In certain cases, the business categories listed below may be eligible for processing with explicit prior approval from Reap. The types of businesses listed are representative but not exhaustive. If you’re unsure or still interested in our solutions, please feel free to shoot us a message at [email protected] and we can clarify!
Financial and professional services |
Restricted Category Type | Example |
Investment & credit services | Securities brokers, financial or mortgage consulting, real estate opportunities, insurance services |
Money and legal services | Lending services (including buy now pay later services), money transmitters, wire transfers, crowdfunding, Debt collection agencies |
Virtual assets | Cryptocurrency, NFT |
IP infringement, regulated or illegal products and services |
Restricted Category Type | Example |
Intellectual property or proprietary rights infringement | Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without appropriate authorization from the rights holder |
Counterfeit or unauthorized goods | Unauthorized sale or resale of brand name or designer products or services, sales of illegally imported/exported goods or services |
Gambling | Lotteries, bidding fee auctions, sports forecasting |
Regulated or illegal products or services | Marijuana (or CBD-related businesses), tobacco, e-cigarettes, weapons, explosives |
Essay Mills | Homework services |
Adult content and services | Pornography, sexually-oriented toys/products, explicit dating/offering sexually-related services sites |
Unfair, predatory or deceptive practices |
Restricted Category Type | Example |
Get rich quick schemes | Investment opportunities, other services that promises high rewards |
Mug shot publication or pay-to-remove sites | Platforms that facilitate the publication and removal of content (e.g. mugshots) |
No-value-added services | Resale of government offerings without authorization or added value, services that offer third-party discounts |
Products or services that are otherwise restricted by our financial partners |
Restricted Category Type | Example |
Aggregation | Engaging in any form of licensed or unlicensed aggregation of funds owed to third parties |
Drug paraphernalia | Equipment designed for making or using drugs: bongs, vaporizers, hookahs |
High-risk businesses | Bankruptcy lawyers, computer technical support and IT help desks, psychic services, travel reservation services and clubs, airlines, cruises, prepaid phone cards, telemarketing, telecommunications equipment, lead generation, dropshipping |
Multi-level marketing | Pyramid schemes, network marketing, referral marketing programs |
Social media activity | Sale of Twitter followers, Facebook likes, YouTube views, Marketing lead generation services |
Pseudo pharmaceuticals | Pharmaceuticals and other products that make health claims that have not been approved or verified by local/national regulatory body |
Substances designed to mimic illegal drugs | Sale of legal substance(s) that provides the same effect as an illegal drug (e.g. salvia, kratom) |
Products designed to decrypt, descramble, or jam signals | Cell phone signal jammers |
Video game or virtual world credits | Sale of in-game currency or game items |
Any products or service that provides peripheral support of any products or services deemed illegal in HK | Sale of ads for any products or services deemed illegal in HK: sales of products that facilitate payments to any of these products/services |
Embassy consulate, other foreign governments | Sales going to the benefit of a non-Hong Kong government entity including consulates and embassies |
Unregistered charities | Charities without registration on the Companies Registry |
Regional-specific Notes
Singapore
Sale of ads for any products or services deemed illegal in Singapore; sales of products that facilitate payments to any of these products or services
Japan
Animals
Fundraising for or financing businesses that are listed as prohibited/restricted above
Health instruments
Industrial waste disposal and garbage disposal devices; water purifiers
International marriage brokerage businesses