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Introduction

Dodo Payments operates as a Merchant of Record (MoR), providing an all-in-one platform for digital businesses for merchants by acting as their official reseller. As MoR, Dodo Payments assumes responsibility for payment processing, tax compliance, and chargeback handling. To protect the integrity of our platform and our global partnerships, we maintain strict standards for the products we resell on our platform. This policy outlines the kinds of businesses we support, the types we restrict or prohibit, and how we enforce our standards. It is intended to help builders understand how to align with our platform requirements from the start.

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Businesses We Love

We’re excited to support legit builders creating digital-first products that are valuable, trustworthy, and easy to deliver. In general, we welcome:
  • SaaS & AI products – SaaS products, productivity software, AI tools and more.
  • Digital goods – eBooks, PDFs, design assets, audio, stock media, etc.
  • Templates, Plugins & Apps – Templates such Notion,Framer, Plugins such as Chrome Store, Wordpress, Apps such as Slack, Discord etc (that do not violate our policies).
  • Courses & learning material – Digital education courses, self-paced courses, or content delivered via links, embeds, or gated access.
  • Indie creators – Building cool, niche products that offer real value, and would make you proud to post on your LinkedIn/Twitter.

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What We Look For

If your product is digital, delivered easily, and meets these qualities, we’d love to work with you:
  • Legally Compliant: Your product complies with relevant laws (like consumer protection and data privacy) in the regions you operate.
  • Honest and Helpful: We appreciate products that provide real value to users - things that are helpful, not deceptive or exploitative.
  • Community-friendly: Products should adhere to our policies and ensure a smooth experience for everyone.

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Businesses We Can’t Support

This is not an exhaustive list. Dodo Payments reserves the right to update or enforce this policy at any time. We may place your account under review or suspend it immediately if we determine your business model is deceptive, harmful, high-risk, generates excessive refunds or chargebacks, or has been flagged by our payment partners. As your MoR, we’re legally and reputationally responsible for what’s being sold through our platform. That means we must stay clear of anything that’s:
  1. Human services packaged digitally – Selling design, development, coaching, or marketing services as “digital” isn’t allowed unless it’s largely productized and automated.
  2. Physical goods or in-person services – We only support digital delivery. No T-shirts, mugs, books, supplements, coaching calls, or “done-for-you” consulting. This includes merchandise packaged with digital bundles.
  3. Illegal or age-restricted – Including but not limited to drugs, alcohol, tobacco, vapes, or content that violates local laws in any region you’re targeting.
  4. Low-quality or exploitative digital products – For example, AI-generated PDFs with little value, thin templates marked up heavily, or clearly unfinished websites sold at premium prices which may lead to customer dissatisfaction.
  5. Restricted by payment and compliance partners – Some business types may be subject to restrictions under the policies of our payment and compliance partners. If your business falls within these categories, we may be unable to support processing due to external requirements or network guidelines.
  6. Adult content or services – This includes explicit or suggestive content whether real or AI-generated (e.g., OnlyFans-style platforms, NSFW chatbots, webcam streams, erotic games, sex toys).
  7. Intimacy services – Especially those with sexually charged positioning, escort-style features, or AI-generated relationship companions.
  8. Financial products & advice – We can’t support unlicensed financial tools, investment strategies, wealth-building courses, tax calculators, or anything involving stored value, lending, or managing funds.
  9. Legal, accounting, and professional services – We only support licensed professionals operating with valid credentials and authorization in their jurisdiction.
  10. Crypto-related offerings – Wallets, NFTs, DeFi, crypto exchanges, or token launches aren’t permitted.
  11. “Miracle” or Misleading Claims – No products making exaggerated or unverifiable claims – e.g., “cures cancer,” “reverses aging,” “burns fat while you sleep,” “make money while you sleep.”
  12. Tax Evasion, Shell Entities, or Regulatory Arbitrage – We can’t support products, services, or setups designed to evade taxes, mask ownership, or bypass financial or legal regulations—this includes using fake business entities, misleading jurisdictions, or “gray market” setups.
  13. Gambling & games of chance – Including casinos, lotteries, sports betting, sweepstakes, fantasy sports for cash prizes.
  14. Medical, wellness, and pharmaceutical products – Including diagnostics, weight-loss programs, supplements, or biohacking kits without the required licenses.
  15. Cheating & manipulation tools – That means hacks, mods, bots, engagement manipulation, fake reviews, or tools for bypassing gameplay or API limits.
  16. Piracy or IP violations – Selling things you didn’t create or license (e.g., pirated books, software keys, copy-paste code packs, unauthorized media downloads).
  17. Mass outreach or scraping tools – No lead scraping, cold email automation, or tools that spam the internet. Also applies to mass-generated AI content marketed as personalized.
  18. Proxy, cloaking, or anti-terms tools – Anything that helps users bypass API rate limits, platform rules, or geolocation restrictions.
  19. IPTV and streaming access services – This includes IPTV subscriptions, reseller panels, or tools that provide access to third-party streaming content.
  20. Donations without clear value – If you’re collecting money without delivering something in return (unless as a pre-approved as a sponsorship), we likely can’t process it.
  21. Marketplaces or resale models – If you’re selling on behalf of others, operating a multi-vendor platform, or taking funds and forwarding them elsewhere, that’s not supported under our MoR structure.
  22. Travel services – This includes commercial airlines, cruises, charter or private flights, and timeshare offerings.
  23. Political, social, or cause-based fundraising – We don’t support campaign donations, activism platforms, or politically sensitive products.
  24. Software resale or license flipping – Including selling software licenses at a discount, or reselling AI APIs, datasets, or tools without clear rights.
  25. Privacy Violations & Surveillance Tech – We don’t allow products that violate user privacy or enable unauthorized surveillance – this includes stalkerware, keyloggers, location tracking without consent, facial recognition tech, or tools that scrape or collect personal data without a clear legal basis.
  26. Weapons, Self-Defense & Violence-Oriented Content – We don’t allow content promoting weapons, combat training, DIY explosives, self-defense tools, or any content that glorifies violence or incites harm—digital or not.
Even if your business isn’t listed above, we may still decline to work with you if we believe it poses legal, financial, or reputational risk. This includes high refunds / chargebacks, low-effort, or exploitative offerings. We assess merchants holistically and reserve the right to refuse or revoke access at our discretion.

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When in Doubt…

If your product is pushing boundaries or you’re unsure whether it qualifies, we strongly recommend reaching out to us. We’d love to explore ways to help you stay compliant without compromising on your vision. And remember: just because something is technically digital doesn’t mean it’s automatically okay. If it feels shady, scammy, exploitative, or like something you wouldn’t explain confidently to your mother— we probably can’t support it. Some business types may fall into a restricted zone — not outright prohibited, but not immediately approved either. These cases will require enhanced due diligence, and we’ll take a closer look before making a final decision. This is done on a case to case basis.

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Businesses We Might Support

To meet our compliance obligations, some business types require additional review. If your business falls into one of the categories below, we may ask for extra details—such as licenses or information about how you operate. While we aim to support a wide range of businesses, approval isn’t guaranteed. If approved, access may be limited or adjusted over time in line with the Terms & Conditions. Some types of businesses are not outright prohibited but do raise higher compliance or reputational risks. If you operate in one of these spaces, we may ask for extra details (like disclaimers, demo access, or policy links) before approving your account. Categories That Often Require Review:
  1. AI tools (text, image, video, voice) – No impersonation, scraping, or deepfakes
  2. VPNs / infrastructure tools – Must prohibit illegal use and have takedown flows
  3. Marketing / scraping / outreach tools – No spam, scraping, or fake engagement
  4. Resume, hiring, or exam tools – No impersonation or cheating functionality
  5. Browser plugins / automation – Must comply with our policy
  6. Sub-SaaS or white-label tools – All downstream users must be known and vetted
  7. Spiritual & Astrology services – Entertainment only; no claims or predictions
  8. Intimacy platforms or chat tools – Must be safe-for-work and clearly moderated
  9. Audio / music / chatbot generators – No voice cloning, NSFW, or fake claims
  10. Fake storefront / funnel templates – Must be transparent and brand-safe
  11. PDF / AI content generators – Must be original and clearly valuable
  12. Tipping / creator monetization – Platforms or tools that facilitate tipping or monetization for creators.
Unsure if your business qualifies?
If your product operates near the edge of these categories, we encourage you to reach out before applying. We may still be able to support you — especially if you’re transparent about your model, actively mitigate risks, and are willing to work within platform guidelines. You can reach out to compliance@dodopayments.com to check if you qualify.

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Accepted Payout Countries

Below is a list of merchant countries eligible for payout from Dodo Payments:
  1. Albania
  2. Algeria
  3. Andorra
  4. Angola
  5. Anguilla
  6. Antigua and Barbuda
  7. Argentina
  8. Aruba
  9. Australia
  10. Austria
  11. Bahamas
  12. Bahrain
  13. Bangladesh
  14. Barbados
  15. Belgium
  16. Belize
  17. Benin
  18. Bolivia
  19. Bonaire
  20. Bosnia and Herzegovina
  21. Botswana
  22. Brazil
  23. British Virgin Islands
  24. Brunei
  25. Bulgaria
  26. Burkina Faso
  27. Burundi
  28. Cambodia
  29. Cameroon
  30. Canada
  31. Cape Verde
  32. Cayman Islands
  33. Central African Republic
  34. Chad
  35. Chile
  36. China
  37. Colombia
  38. Comoros
  39. Cook Islands
  40. Costa Rica
  41. Croatia
  42. Curaçao
  43. Cyprus
  44. Czech Republic
  45. Denmark
  46. Djibouti
  47. Dominica
  48. Dominican Republic
  49. Ecuador
  50. Egypt
  51. El Salvador
  52. Equatorial Guinea
  53. Eritrea
  54. Estonia
  55. Eswatini
  56. Fiji
  57. Finland
  58. France
  59. Gabon
  60. Gambia
  61. Germany
  62. Ghana
  63. Greece
  64. Grenada
  65. Guadeloupe
  66. Guatemala
  67. Guinea
  68. Guinea-Bissau
  69. Guyana
  70. Holy See (Vatican City)
  71. Honduras
  72. Hong Kong SAR
  73. Hungary
  74. Iceland
  75. India
  76. Indonesia
  77. Ireland
  78. Israel
  79. Italy
  80. Ivory Coast (Côte d’Ivoire)
  81. Jamaica
  82. Japan
  83. Jordan
  84. Kenya
  85. Kiribati
  86. Kosovo
  87. Kuwait
  88. Laos
  89. Latvia
  90. Lebanon
  91. Lesotho
  92. Liberia
  93. Liechtenstein
  94. Lithuania
  95. Luxembourg
  96. Madagascar
  97. Malawi
  98. Malaysia
  99. Mali
  100. Malta
  101. Marshall Islands
  102. Martinique
  103. Mauritania
  104. Mauritius
  105. Mexico
  106. Micronesia
  107. Moldova
  108. Monaco
  109. Mongolia
  110. Montenegro
  111. Montserrat
  112. Morocco
  113. Mozambique
  114. Myanmar
  115. Namibia
  116. Nauru
  117. Nepal
  118. Netherlands
  119. New Zealand
  120. Niger
  121. Nigeria
  122. Niue
  123. North Macedonia
  124. Norway
  125. Oman
  126. Palau
  127. Panama
  128. Papua New Guinea
  129. Paraguay
  130. Peru
  131. Philippines
  132. Poland
  133. Portugal
  134. Qatar
  135. Republic of the Congo
  136. Romania
  137. Rwanda
  138. Saint Barthélemy
  139. Saint Kitts and Nevis
  140. Saint Lucia
  141. Saint Martin
  142. Saint Pierre and Miquelon
  143. Saint Vincent and the Grenadines
  144. Samoa
  145. San Marino
  146. São Tomé and Príncipe
  147. Saudi Arabia
  148. Senegal
  149. Serbia
  150. Seychelles
  151. Sierra Leone
  152. Singapore
  153. Sint Maarten
  154. Slovakia
  155. Slovenia
  156. Solomon Islands
  157. South Africa
  158. South Korea
  159. Spain
  160. Sri Lanka
  161. Suriname
  162. Sweden
  163. Switzerland
  164. Taiwan
  165. Tanzania
  166. Thailand
  167. Timor-Leste
  168. Togo
  169. Tonga
  170. Trinidad and Tobago
  171. Turkey
  172. Turks and Caicos Islands
  173. Tuvalu
  174. Uganda
  175. Ukraine
  176. United Arab Emirates
  177. United Kingdom
  178. United States
  179. Uruguay
  180. US Virgin Islands
  181. Vanuatu
  182. Vietnam
  183. Zambia
  184. Zimbabwe

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Prohibited Countries

Dodo Payments only supports merchants selling digital goods and services that align with our MoR responsibilities and card network requirements.We only work with merchants from jurisdictions not subject to active sanctions or high-risk flags issued by FATF, OFAC, EU, or UN bodies, etc. We currently do not support merchants from the following geographies:
  1. Belarus
  2. Cuba
  3. Haiti
  4. Iran
  5. Iraq
  6. North Cyprus
  7. North Korea
  8. Pakistan
  9. Russia
  10. South Sudan
  11. Sudan
  12. Syria
  13. Venezuela
  14. Yemen
Note: This list is regularly updated to reflect FATF, OFAC, UN, and EU AML/CFT directives. Our prohibited countries list applies to both the location of the merchant (where the business is registered or operates from) and the jurisdictions involved in the transaction (such as where the merchant, seller, beneficial owner, or platform users are based). All merchants are responsible for ensuring ongoing compliance.

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Enforcement

We take violations of our merchant policy seriously. If we determine that a merchant has onboarded in breach of this policy or our terms — including by misrepresenting their business, attempting to bypass restrictions, or engaging in prohibited activities — Dodo Payments may take appropriate action, including:

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Enforcement Actions May Include:

  • Permanent account suspension
  • Immediate halt of transactions and platform access
  • Withholding of payouts or reversal of settled funds
  • Fines or penalties in proportion to losses, reputational harm, or downstream risk (up to USD 425,000)
  • Reporting to card networks, financial partners, or regulators where required
These measures may be taken without prior notice in cases of material breach or imminent platform risk. Examples of Policy Breach The following may trigger investigation or enforcement:
  • Misclassifying your business or products to bypass category restrictions
  • Using proxy merchants or sub-accounts to avoid enforcement
  • Selling or promoting products that are deceptive, harmful, or violate our prohibited content rules
  • Failing to disclose essential onboarding information (e.g., website mismatch, incorrect entity type)

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Appeals & Resolution

If you believe enforcement was applied in error, you may submit a request for review. In some cases, we may allow corrective action or resubmission for review. Voluntary disclosure of potential issues may be considered favorably. You can reach out to compliance@dodopayments.com to initiate the review process.