LEGAL

Acceptable Use Policy

Last updated: July 28, 2026

Effective: August 27, 2026 for merchants with an existing account on July 28, 2026. The changes in this version apply immediately to accounts created on or after July 28, 2026.

1. Purpose

This Acceptable Use Policy ("AUP") outlines the permitted, restricted, and prohibited uses of the PD Cash payment orchestration platform ("Platform"). All merchants and users must comply with it. It forms part of the Terms of Service. Violation may result in suspension or termination of your account.

2. Permitted Uses

You may use the Platform to:

Process legitimate payment transactions for lawful goods and services
Route transactions through connected payment providers and channel partners
Generate payment links for customer invoicing
Access transaction analytics, reports, and dashboards
Integrate our API into your applications
Connect your own payment gateway API keys (BYOK)
Manage withdrawals according to your plan terms

3. Restricted Categories — Permitted Only After Review

Some business categories are neither freely permitted nor prohibited. They may be onboarded only after PD Cash review and channel-partner approval, and only for as long as the conditions below are met. Approval is granted per account, per business model, and per region, and may be withdrawn if the conditions stop being met. Operating a restricted category without approval, or outside the scope of an approval, is a breach of this AUP.

3.1 iGaming and regulated gaming

A current, verifiable gaming licence for every jurisdiction you serve, with evidence supplied on request and before expiry
Geo-blocking that prevents access, deposit, and play from jurisdictions where you are not licensed
Age verification completed before any deposit or wager
Responsible gaming tools, including deposit limits, self-exclusion, and clearly visible support information
Accurate billing descriptors, and clear terms and wagering conditions shown before payment
No credit-funded gambling in any jurisdiction that prohibits it

A genuine, free, and equally weighted alternative method of entry that does not require any purchase
Published official rules covering eligibility, odds, prize value, redemption process, and the identity of the sponsor
Clear separation between purchasable virtual currency and any sweepstakes entry, so that a purchase is never a condition of entry
Compliance with sweepstakes, lottery, and prize-promotion law in every jurisdiction served
Geo-blocking of jurisdictions where the model is not lawful

3.3 IPTV, streaming and digital media

Documented distribution or licensing rights for every channel, title, or feed offered, evidenced on request
No unauthorised retransmission of broadcast, cable, satellite, or live sports signals
No resale of access to third-party subscription services you do not have the right to resell
Clear service descriptions, pricing, renewal terms, and cancellation terms shown before purchase
Prompt removal of any content on receipt of a valid rights-holder complaint, and a working notice-and-takedown contact

3.4 Digital goods, software and game codes

Sale only of keys, codes, licences, and in-game items you have the right to distribute
No cracked, pirated, or licence-circumventing software, and no key generators
No stolen, fraudulently obtained, or region-locked codes presented as unrestricted
Reliable delivery, with a documented process and a stated remedy where delivery fails
Clear refund, redemption, and support terms shown before purchase

3.5 Other restricted categories

The following are permitted only after review, and where approved may carry additional conditions such as reserves, volume caps, or enhanced monitoring:

Nutraceuticals and supplements — no disease or cure claims, no forced continuity, compliant labelling and ingredient disclosure
Dating and companionship services — no adult content, verified profiles, and clear billing descriptors
Trading education, signals, and financial coaching — no performance or income guarantees, no unlicensed investment advice, and prominent risk disclosure
Generic or unbranded apparel and accessories — no counterfeit branding, and either real inventory or a disclosed fulfilment partner
Subscription and negative-option billing of any kind — express informed consent before the first charge, clear renewal terms and pricing, advance renewal reminders, and a working self-service cancellation path
Dropshipping, ticketing, and travel — realistic delivery or service dates, a disclosed fulfilment source, and adequate protection for prepaid services

If your business sits in a restricted category, disclose it during route review. Failing to disclose it is treated as misrepresentation of your business under Section 5.1.

4. Prohibited Business Categories

You may not use the Platform to process payments for the following:

Illegal drugs, controlled substances, or drug paraphernalia
Weapons, ammunition, or explosives (where prohibited by law)
Human trafficking or exploitation of any kind
Child exploitation material or services
Terrorism or terrorist financing
Pyramid schemes, Ponzi schemes, or multi-level marketing scams
Counterfeit goods or intellectual property infringement
Unlicensed pharmaceutical products
Adult content, adult services, and sexually oriented live streaming or subscription content
Unlicensed money transmission, currency exchange, or payment aggregation, and crypto mixing, tumbling, or anonymising services
Unregistered securities offerings, binary options, contracts for difference where prohibited, and unlicensed investment or fund-management schemes
Credit repair, debt settlement, debt elimination, payday lending, and advance-fee loan services
Sale of personal data, credentials, or account access, and hacking, DDoS-for-hire, or surveillance-for-hire services
Pirated media, cracked software, licence-key generators, and technical protection circumvention devices
Tobacco, e-cigarettes and vaping products, alcohol, kratom, and CBD or other hemp-derived products
Gift-card resale, prepaid-card loading, cash-equivalent instruments, and money-order services
Essay mills, forged or fraudulent documents, identity documents, and paid fake reviews or engagement
Unregistered charitable solicitation and political fundraising where registration is required
Any business located in, or primarily serving, a comprehensively sanctioned jurisdiction
Services designed to facilitate illegal activities
Any goods or services that are illegal in the buyer's or the seller's jurisdiction

This list is read together with Section 3. A category listed in Section 3 is restricted, not prohibited, and may be operated where you hold the licences, rights, and approvals required for every jurisdiction you serve. Where an activity is lawful in some jurisdictions and not in others, the prohibition applies to the jurisdictions where it is unlawful and you must geo-block them.

5. Prohibited Activities

You may not engage in the following activities on our Platform:

5.1 Fraudulent activities

Processing transactions with stolen or unauthorized payment credentials
Creating fraudulent or fictitious transactions
Card testing or BIN attacks using our payment infrastructure
Misrepresenting the nature of transactions, your business model, or your business category
Processing transactions for which goods or services will not be delivered
Identity theft or impersonation

5.2 Money laundering and financial crime

Using the Platform to launder proceeds of criminal activity
Structuring transactions to avoid reporting thresholds
Processing payments to or from sanctioned individuals or entities
Financing terrorism or the proliferation of weapons of mass destruction

5.3 Technical abuse

Attempting to gain unauthorized access to the Platform or to other accounts
Introducing malware, viruses, or malicious code
Performing denial-of-service attacks or load testing without authorization
Scraping, crawling, or automated data extraction without permission
Reverse engineering or decompiling Platform software
Circumventing security measures, rate limits, or access controls
Using the Platform to send spam or unsolicited communications

5.4 Platform abuse

Creating multiple accounts to circumvent restrictions or bans
Manipulating transaction data or analytics
Exploiting Platform features in unintended ways for unfair advantage
Reselling or sublicensing Platform access without authorization
Exceeding documented API rate limits or usage quotas

6. Transaction Integrity

All transactions routed through the Platform must:

Represent genuine sales of goods or services
Be authorized by the legitimate account holder
Accurately describe the goods or services being purchased, and use an accurate billing descriptor
Comply with applicable payment network rules
Not be processed for the purpose of obtaining cash advances
Not be split to avoid transaction limits or detection thresholds

7. Chargeback Thresholds

Merchants must maintain acceptable chargeback ratios. We reserve the right to:

Suspend accounts exceeding a 1% chargeback ratio
Require an additional security deposit for elevated chargeback rates
Terminate accounts with persistent excessive chargebacks
Withhold withdrawals pending chargeback resolution

8. API Usage

When using our API, you must:

Keep API keys confidential and server-side
Not share API credentials with unauthorized parties
Respect documented rate limits and usage quotas
Implement proper error handling and retry logic
Not use the API to perform load testing without prior approval
Promptly rotate credentials if a compromise is suspected

9. Reporting Violations

If you become aware of a violation of this AUP, report it through the contact form at pd.cash/contact#contact-form using the subject "AUP Report".

Include the account, payment link, website, or transaction reference concerned, and a description of what you observed
We acknowledge reports within 2 business days and investigate promptly
Anonymous reports are accepted, though they are harder to investigate and we cannot report back on the outcome
We do not disclose a reporter's identity to the reported party except where the law requires it
Where the conduct appears to be criminal, report it to law enforcement as well as to us

10. Enforcement

Violations of this AUP may result in:

A warning and a request for corrective action
Temporary suspension of the account, of withdrawals, or of both
Permanent termination of the account
Deduction from the security deposit to cover chargebacks, fines, or losses
Reporting to law enforcement authorities where appropriate
Legal action to recover damages

We may act immediately and without prior notice where a violation is severe, threatens Platform integrity, involves suspected illegal activity, or is required by a channel partner, network, regulator, or court.

11. Appeals

If your account is suspended, restricted, or terminated under this AUP, you may appeal.

Submit the appeal within 30 days of the decision through the contact form using the subject "AUP Appeal"
Say what you believe was decided wrongly, and attach supporting evidence such as licences, distribution or rights documentation, corrected disclosures, or remediation you have completed
The appeal is reviewed by someone who was not involved in the original decision
We respond within 15 business days. Where a channel partner's decision is involved, we tell you and route the appeal to that partner
A suspension remains in force while the appeal is reviewed
Where the suspension arises from suspected illegal activity, a sanctions match, or a legal, regulatory, or partner requirement, it remains in force regardless of the appeal outcome unless that requirement is lifted
If the appeal succeeds, we restore access and remove the violation record from your account file

12. Changes to This Policy

We may update this Acceptable Use Policy from time to time. Where a change is material, we give at least 30 days' advance notice by email and by dashboard notice before it takes effect. Other changes are posted on this page with an updated date. Continued use of the Platform after the effective date constitutes acceptance.

13. Contact Us

For questions about this Acceptable Use Policy, please contact us:

Contact form: pd.cash/contact#contact-form
Website: pd.cash