In certain cases, business categories listed below may be eligible for processing with explicit prior approval from Reap. If you’re unsure, 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

Money and legal services

Loans, money transmitters, wire transfers

Virtual currency or stored value

Bitcoin

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 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

Equipments 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, drop shipping

Multi-level marketing

Pyramid schemes, network marketing, referral marketing programs

Pseudo pharmaceuticals

Pharmaceuticals and other products that make health claims that have not been approved or verifies by local/national regulatory body

Social media activity

Sale of Twitter followers, Facebook likes, YouTube views

Substances designed to mimic illegal drugs

Sale of legal substance 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

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