Acceptable Use Policy

This Acceptable Use Policy (“AUP”) governs all use of the Sites and Services.

Violation of this AUP may result in immediate suspension or termination.

Users may not use the Services to:

• Engage in fraud, deception, or misrepresentation
• Submit falsified corporate or banking documents
• Facilitate money laundering
• Process prohibited or restricted products
• Evade card network monitoring programs
• Manipulate chargeback ratios
• Engage in structured transactions to avoid compliance review
• Access accounts without authorization
• Interfere with platform security
• Circumvent reserve requirements

The platform may prohibit or restrict categories including but not limited to:

• Unlawful products
• Controlled substances
• Counterfeit goods
• Pyramid schemes
• Gambling without authorization
• Adult content in violation of card brand rules
• CBD or nutraceuticals without compliant substantiation
• Debt relief or credit repair services without regulatory compliance

MerchantAccess.io reserves sole discretion in determining acceptability.

Users must not:

• Alter underwriting documents
• Submit forged bank letters
• Misrepresent ownership
• Conceal prior processing history
• Provide incomplete disclosures

Any such conduct will result in termination and potential referral to authorities.

Users must:

• Maintain reasonable data safeguards
• Comply with PCI obligations where applicable
• Not upload malicious code

Security incidents must be reported immediately.

MerchantAccess.io may:

• Monitor transactions and documentation
• Request additional compliance information
• Suspend access pending review
• Report unlawful activity

We are not obligated to provide advance notice before enforcement.

Access to the platform is a revocable privilege, not a right.

MerchantAccess.io may restrict or revoke access in its sole discretion.