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


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


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


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


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



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


  • 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


  • 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

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