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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:
  1. SaaS & AI products
  2. Digital goods
  3. Templates, Plugins & Apps
We assess “value” based on what a customer actually gets and experiences after they buy the product. In general, we’re excited about products that do what they promise, are genuinely useful, and feel worth the price to a reasonable customer. Clear functionality, honest descriptions, and a solid end-user experience go a long way.On the flip side, products that rely mostly on hype, vague claims, artificial urgency, or heavily repackaged free content create poor customer experiences. If something feels designed to extract payment rather than solve a real problem, we may take a closer look or decide not to support it.Our goal here isn’t to police creativity, but to ensure our customers walk away feeling safe and satisfied, not misled. We want to back builders who care about what they’re putting into the world. If you’re ever unsure whether your product fits, please feel free to reach out! We’re always happy to talk it through.

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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. NSFW, Intimacy & 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, escort-style services).
  2. Manual Digital Services – Selling non-automated services via digital platforms. So, selling custom design, development, coaching, freelancing or consulting services via digital platforms isn’t allowed. In essence, if the majority of the value sits in the human labour rather than digital systems, it will not be accepted.
  3. Digital products with limited or unclear value – 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. This also includes placeholder or pre-launch offerings such as holding pages, teaser sites, waitlists, or “coming soon” products that do not provide immediate, usable value after purchase.
  4. Physical goods – We only support digital delivery. Physical goods include merchandise packaged with digital bundles. No T-shirts, mugs, books, supplements, or computer hardware. In-person services: Any service that is delivered in person, even if booking or payment happens online. So no personal training, coaching delivered physically, beauty treatments, repair or maintenance work performed at the customer’s location, etc.
  5. Illegal or age-restricted – Including but not limited to drugs, alcohol, tobacco, vapes, prescription medicines, or content that violates local laws in any region you’re targeting.
  6. Restricted by payment and compliance partners – Some business types may be subject to restrictions under the policies of our payment and compliance partners. If our financial and regulatory partners restrict certain categories, we cannot provide our support.
  7. Financial products, services & advice – We can’t support unlicensed financial tools, investment strategies, wealth-building courses, tax calculators, banking services, escrow services or anything involving stored value, lending, or managing funds.
  8. Official registration or incorporation services – Services that process or facilitate company registration, government filings, licences, permits, or any other statutory/legal registrations.
  9. 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.
  10. Legal, accounting, medical, and professional services – This includes any services that require licensing, certification or regulatory compliance. Examples include advisory work, diagnosis or treatment, document preparation, representation, financial or tax planning, or any expertise-based service that carries regulatory or liability risk.
  11. Travel, Immigration & Visa services – This includes bookings for commercial airlines, cruises, charter or private flights, and timeshare offerings. Services that offer handling or facilitating Visa or citizenships.
  12. Health & wellness products – Including diagnostics, weight-loss programs, supplements, or biohacking kits. This entire class of products is incompatible with our MoR obligations even if well-intentioned, or honestly marketed.
  13. Miracle, Misleading, or Unverifiable Claims – No products making exaggerated or unverifiable claims – e.g., “cures cancer,” “reverses aging,” “burns fat while you sleep,” “make money while you sleep.”
  14. Social matching and interaction services – This includes platforms for real-time person-to-person interactions, similar to random video- or chat-matching services, matchmaking services, dating platforms, AI-generated relationship companions.
  15. Religious or spiritual product or services – This includes offerings of spiritual guidance, paid prayers, rituals, faith-based counselling, or similar services where users are paying for religious or spiritual interaction or access to a religious or spiritual authority.
  16. Gambling & games of chance – Including casinos, lotteries, betting, sweepstakes, fantasy sports for cash prizes, or chance-based reward mechanics (such as loot boxes or spins).
  17. Gaming and virtual-goods environments – This includes games of skill, online games, video games, in-game currencies, digital item sales, game boosters, or private servers - whether official or unofficial.
  18. Virtual asset services – Crypto-related offerings, Digital wallets, NFTs, DeFi, crypto exchanges, or token launches aren’t permitted.
  19. Piracy or IP violations – Selling things you didn’t create or license (e.g., pirated books, software licenses, copy-paste code packs, unauthorized media downloads).
  20. IPTV and streaming access services – This includes IPTV subscriptions, reseller panels, or tools that provide access to third-party streaming content.
  21. Software resale or license flipping – Including selling software licenses at a discount, or reselling AI APIs, datasets, or tools without clear rights or authorisation.
  22. 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, face-swap features or tools that scrape or collect personal data without a clear legal basis.
  23. Hosting, servers, and infrastructure services – This includes VPN, VPS or dedicated servers, hosting plans, cloud compute credits, bandwidth reselling, or any product that provides users with persistent infrastructure or server-level access.
  24. Telecommunication services – This includes services that offer call SPI, telecom routing, global calling to PSTN, SIM cards, e-SIMs, VoIP services, call/SMS termination, or related telecom operations (licensed or unlicensed).
  25. Spam, mass outreach or scraping tools – Data privacy violations, including lead scraping, mass outreach or spam tools, and sensitive private information databases.
  26. Proxy, cloaking, or anti-terms tools – Anything that helps users bypass API rate limits, captcha or authentication limits, platform terms, or geolocation restrictions.
  27. Cheating & manipulation tools – That means hacks, mods, bots, engagement manipulation, fake reviews, or tools for bypassing platform restrictions, gameplay or API limits.
  28. Donations – If you’re collecting money without delivering something in return, for general support of your platform, we likely can’t process it.
  29. Fundraising – We don’t support charity or NGO drives, political or religious donations, personal fundraisers, crowdfunding campaigns, and any contribution-based model without a defined product or service.
  30. Marketplaces, resale model – If you’re selling on behalf of others, operating a multi-vendor platform, or taking funds and forwarding them elsewhere, selling gift or other benefit cards, that’s not supported under our MoR structure.
  31. Ticketing & bookings services – Services that facilitate the sale, resale, or booking of tickets, reservations, or access to events, travel, accommodations.
  32. 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.
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 you 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, and this policy. 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.

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Categories That Often Require Review

  1. AI Content Generation tools (text, image, video, voice) – No impersonation, scraping, or deepfakes
  2. Marketing & outreach tools – No spam, scraping, or fake engagement
  3. Resume, hiring, or exam tools – No impersonation or cheating functionality
  4. Spiritual & Astrology services – Entertainment only; no claims or predictions
  5. Audio / music / chatbot generators – No voice cloning, NSFW, IP Infringements or fake claims
  6. E-books and written digital publications – Including guides, playbooks, reports, or downloadable written content.
  7. Productised services – A fixed, pre-defined digital product that is delivered the same way for every buyer. This may include limited, repeatable human operational work, as long as it is not customized or consultative.
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 Territories or Regions

  1. Albania
  2. Algeria
  3. Andorra
  4. Anguilla
  5. Antigua and Barbuda
  6. Argentina
  7. Armenia
  8. Aruba
  9. Australia
  10. Austria
  11. Azerbaijan
  12. Bahamas
  13. Bahrain
  14. Bangladesh
  15. Barbados
  16. Belgium
  17. Belize
  18. Benin
  19. Bolivia
  20. Bosnia and Herzegovina
  21. Botswana
  22. Brazil
  23. British Virgin Islands
  24. Brunei
  25. Bulgaria
  26. Burkina Faso
  27. Cambodia
  28. Cameroon
  29. Canada
  30. Cayman Islands
  31. Central African Republic
  32. Chad
  33. Chile
  34. China
  35. Colombia
  36. Cook Islands
  37. Costa Rica
  38. Croatia
  39. Curaçao
  40. Cyprus
  41. Czech Republic
  42. Denmark
  43. Djibouti
  44. Dominica
  45. Dominican Republic
  46. Ecuador
  47. Egypt
  48. El Salvador
  49. Equatorial Guinea
  50. Estonia
  51. Eswatini
  52. Ethiopia
  53. Fiji
  54. Finland
  55. France
  56. Gabon
  57. Gambia
  58. Georgia
  59. Germany
  60. Ghana
  61. Greece
  62. Grenada
  63. Guatemala
  64. Guinea
  65. Guinea-Bissau
  66. Guyana
  67. Holy See (Vatican City)
  68. Honduras
  69. Hong Kong SAR
  70. Hungary
  71. Iceland
  72. India
  73. Indonesia
  74. Ireland
  75. Israel
  76. Italy
  77. Jamaica
  78. Japan
  79. Jordan
  80. Kazakhstan
  81. Kenya
  82. Kiribati
  83. Kosovo
  84. Kuwait
  85. Kyrgyzstan
  86. Latvia
  87. Lebanon
  88. Lesotho
  89. Liberia
  90. Liechtenstein
  91. Lithuania
  92. Luxembourg
  93. Madagascar
  94. Malawi
  95. Malaysia
  96. Maldives
  97. Malta
  98. Marshall Islands
  99. Martinique
  100. Mauritania
  101. Mauritius
  102. Mexico
  103. Micronesia
  104. Moldova
  105. Monaco
  106. Mongolia
  107. Montenegro
  108. Montserrat
  109. Morocco
  110. Myanmar
  111. Namibia
  112. Nepal
  113. Netherlands
  114. New Zealand
  115. Nicaragua
  116. Niger
  117. Nigeria
  118. Norway
  119. Oman
  120. Palau
  121. Panama
  122. Papua New Guinea
  123. Paraguay
  124. Peru
  125. Philippines
  126. Poland
  127. Portugal
  128. Qatar
  129. Republic of the Congo
  130. Romania
  131. Rwanda
  132. Saint Barthélemy
  133. Saint Kitts and Nevis
  134. Saint Lucia
  135. Saint Martin
  136. Saint Pierre and Miquelon
  137. Saint Vincent and the Grenadines
  138. Samoa
  139. San Marino
  140. São Tomé and Príncipe
  141. Saudi Arabia
  142. Senegal
  143. Serbia
  144. Seychelles
  145. Sierra Leone
  146. Singapore
  147. Slovakia
  148. Slovenia
  149. Solomon Islands
  150. South Africa
  151. South Korea
  152. Spain
  153. Sri Lanka
  154. Suriname
  155. Sweden
  156. Switzerland
  157. Taiwan
  158. Tajikistan
  159. Tanzania
  160. Thailand
  161. Timor-Leste
  162. Togo
  163. Tonga
  164. Trinidad and Tobago
  165. Tunisia
  166. Turkey
  167. Turks and Caicos Islands
  168. Tuvalu
  169. Uganda
  170. United Arab Emirates
  171. United Kingdom
  172. United States
  173. Uruguay
  174. Uzbekistan
  175. Vanuatu
  176. Vietnam
  177. Zambia
  178. Zimbabwe
This list is regularly updated to reflect FATF, OFAC, UN, and EU AML/CFT directives. All merchants are responsible for ensuring ongoing compliance.Payouts are supported only in the countries and regions listed above. If your country is not included, payouts are not currently available from that location.This list may change over time in line with regulatory and compliance requirements, and we’re unable to offer payouts outside of the supported regions.Merchant accounts are supported only where KYC documentation is issued in the countries listed above.

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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.

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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
  • Refunding all transactions processed
  • 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.

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Examples of Policy Breach

The following may trigger investigation or enforcement:
  1. Misclassifying your business or products to bypass category restrictions.
  2. Using proxy merchants, sub-accounts, or account takeovers to avoid enforcement.
  3. Selling or promoting products that are deceptive, harmful, or violate our prohibited content rules.
  4. Failing to disclose essential onboarding information (e.g., website mismatch, incorrect entity type).
  5. Suspicious or unusual volume of transactions.
  6. High volume of refunds, disputes, or customer complaints.
  7. Actions or transactions that have been flagged by our payment, financial, or regulatory platforms.
  8. Requests by legal authorities upon receipt of relevant legal order.
  9. Reports of fraudulent activities flagged by our regulatory and compliance partners, and customer reports.
  10. Any other material breaches of our platform policies or violations of law as applicable

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Appeals & Resolution

If you believe enforcement was applied in error, you may submit a request for review. Please note that reviews are considered on a one-time basis only. The appeal review decision will be final. 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.