This policy will help you understand the types of businesses we support, the types we restrict or prohibit, and how we enforce our standards.
Introduction
Innout 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, Innout 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.
Businesses We Support
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
- Digital goods
- 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.
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.
Businesses We Cannot Support
This is not an exhaustive list. Innout 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:
- 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).
- 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.
- 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.
- Physical goods - We only support digital delivery. Physical goods include merchandise packaged with digital bundles. No T-shirts, mugs, books, supplements, or computer hardware.
- 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.
- Restricted by payment and compliance partners - Some business types may be subject to restrictions under the policies of our payment and compliance partners.
- 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.
- Official registration or incorporation services - Services that process or facilitate company registration, government filings, licences, permits, or any other statutory/legal registrations.
- 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.
- Legal, accounting, medical, and professional services - This includes any services that require licensing, certification or regulatory compliance.
- Travel, Immigration & Visa services - This includes bookings for commercial airlines, cruises, charter or private flights, and timeshare offerings.
- Health & wellness products - Including diagnostics, weight-loss programs, supplements, or biohacking kits.
- Miracle, Misleading, or Unverifiable Claims - No products making exaggerated or unverifiable claims.
- Social matching and interaction services - This includes platforms for real-time person-to-person interactions, matchmaking services, dating platforms, AI-generated relationship companions.
- Religious or spiritual product or services - This includes offerings of spiritual guidance, paid prayers, rituals, faith-based counselling.
- Gambling & games of chance - Including casinos, lotteries, betting, sweepstakes, fantasy sports for cash prizes, or chance-based reward mechanics.
- 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.
- Virtual asset services - Crypto-related offerings, Digital wallets, NFTs, DeFi, crypto exchanges, or token launches aren't permitted.
- Piracy or IP violations - Selling things you didn't create or license.
- IPTV and streaming access services - This includes IPTV subscriptions, reseller panels, or tools that provide access to third-party streaming content.
- Software resale or license flipping - Including selling software licenses at a discount, or reselling AI APIs, datasets, or tools without clear rights or authorisation.
- Privacy Violations & Surveillance Tech - We don't allow products that violate user privacy or enable unauthorized surveillance.
- Hosting, servers, and infrastructure services - This includes VPN, VPS or dedicated servers, hosting plans, cloud compute credits, bandwidth reselling.
- Telecommunication services - This includes services that offer call SPI, telecom routing, global calling to PSTN, SIM cards, e-SIMs, VoIP services.
- Spam, mass outreach or scraping tools - Data privacy violations, including lead scraping, mass outreach or spam tools.
- Proxy, cloaking, or anti-terms tools - Anything that helps users bypass API rate limits, captcha or authentication limits, platform terms, or geolocation restrictions.
- Cheating & manipulation tools - Hacks, mods, bots, engagement manipulation, fake reviews, or tools for bypassing platform restrictions.
- Donations - If you're collecting money without delivering something in return, we likely can't process it.
- Fundraising - We don't support charity or NGO drives, political or religious donations, personal fundraisers, crowdfunding campaigns.
- Marketplaces, resale model - If you're selling on behalf of others, operating a multi-vendor platform, or taking funds and forwarding them elsewhere.
- Ticketing & bookings services - Services that facilitate the sale, resale, or booking of tickets, reservations, or access to events, travel, accommodations.
- 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.
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.
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.
Categories that often require review:
- AI Content Generation tools (text, image, video, voice) - No impersonation, scraping, or deepfakes
- Marketing & outreach tools - No spam, scraping, or fake engagement
- Resume, hiring, or exam tools - No impersonation or cheating functionality
- Spiritual & Astrology services - Entertainment only; no claims or predictions
- Audio / music / chatbot generators - No voice cloning, NSFW, IP Infringements or fake claims
- E-books and written digital publications - Including guides, playbooks, reports, or downloadable written content
- Productised services - A fixed, pre-defined digital product that is delivered the same way for every buyer
Unsure if your business qualifies? If your product operates near the edge of these categories, we encourage you to reach out before applying. You can contact us at main@innoutpayments.com to check if you qualify.
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—Innout Payments may take appropriate action.
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.
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 main@innoutpayments.com to initiate the review process.