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.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:- 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.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.
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 Can’t Support
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. 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.
- 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. If our financial and regulatory partners restrict certain categories, we cannot provide our support.
- 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—this includes using fake business entities, misleading jurisdictions, or “gray market” setups.
- 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.
- 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.
- 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.
- 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.”
- 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.
- 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.
- 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).
- 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.
- 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 (e.g., pirated books, software licenses, copy-paste code packs, unauthorized media downloads).
- 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 – 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.
- 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.
- 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).
- Spam, mass outreach or scraping tools – Data privacy violations, including lead scraping, mass outreach or spam tools, and sensitive private information databases.
- 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 – That means hacks, mods, bots, engagement manipulation, fake reviews, or tools for bypassing platform restrictions, gameplay or API limits.
- Donations – If you’re collecting money without delivering something in return, for general support of your platform, we likely can’t process it.
- 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.
- 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.
- 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 or incites harm.
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.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.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. This may include limited, repeatable human operational work, as long as it is not customized or consultative.
Países Aceitos
Accepted countries
Accepted countries
- Afeganistão
- Albânia
- Andorra
- Anguilla
- Antígua e Barbuda
- Argentina
- Armênia
- Aruba
- Austrália
- Áustria
- Azerbaijão
- Bahamas
- Bahrein
- Bangladesh
- Barbados
- Bélgica
- Belize
- Benin
- Bermudas
- Butão
- Bolívia
- Bonaire, Santo Eustáquio e Saba
- Bósnia e Herzegovina
- Botswana
- Brasil
- Ilhas Virgens Britânicas
- Brunei
- Bulgária
- Burkina Faso
- Burundi
- Cabo Verde
- Camboja
- Canadá
- Ilhas Cayman
- Chade
- Chile
- China
- Colômbia
- Comores
- Ilhas Cook
- Costa Rica
- Croácia
- Curaçao
- Chipre
- República Tcheca
- Dinamarca
- Djibouti
- Dominica
- República Dominicana
- Equador
- Egito
- El Salvador
- Estônia
- Eswatini
- Etiópia
- Ilhas Malvinas
- Ilhas Faroé
- Fiji
- Finlândia
- França
- Guiana Francesa
- Polinésia Francesa
- Gabão
- Gâmbia
- Geórgia
- Alemanha
- Gana
- Gibraltar
- Grécia
- Groenlândia
- Granada
- Guadalupe
- Guam
- Guatemala
- Guernsey
- Guiné
- Guiné-Bissau
- Guiana
- Honduras
- Hong Kong
- Hungria
- Islândia
- Índia
- Indonésia
- Irlanda
- Ilha de Man
- Israel
- Itália
- Jamaica
- Japão
- Jersey
- Jordânia
- Cazaquistão
- Kiribati
- Kosovo
- Quirguistão
- Letônia
- Lesoto
- Libéria
- Liechtenstein
- Lituânia
- Luxemburgo
- Macau
- Madagascar
- Malaui
- Malásia
- Maldivas
- Mali
- Malta
- Martinica
- Mauritânia
- Maurício
- Mayotte
- México
- Moldávia
- Mônaco
- Mongólia
- Montenegro
- Montserrat
- Marrocos
- Moçambique
- Namíbia
- Nepal
- Países Baixos
- Nova Caledônia
- Nova Zelândia
- Níger
- Nigéria
- Macedônia do Norte
- Noruega
- Omã
- Palau
- Panamá
- Paraguai
- Peru
- Filipinas
- Polônia
- Portugal
- Porto Rico
- Catar
- República do Congo
- República da Coreia
- Reunião
- Romênia
- Ruanda
- São Cristóvão e Nevis
- Santa Lúcia
- São Martinho
- São Pedro e Miquelon
- São Vicente e Granadinas
- Samoa
- San Marino
- São Tomé e Príncipe
- Arábia Saudita
- Senegal
- Sérvia
- Seychelles
- Serra Leoa
- Singapura
- Sint Maarten
- Eslováquia
- Eslovênia
- Ilhas Salomão
- África do Sul
- Espanha
- Sri Lanka
- Suriname
- Suécia
- Suíça
- Taiwan
- Tajiquistão
- Tanzânia
- Tailândia
- Timor-Leste
- Togo
- Tonga
- Trinidad e Tobago
- Tunísia
- Turquia
- Turcomenistão
- Ilhas Turcas e Caicos
- Uganda
- Emirados Árabes Unidos
- Reino Unido
- Estados Unidos
- Uruguai
- Uzbequistão
- Vanuatu
- Vietnã
- Ilhas Virgens
- Zâmbia
- Zimbábue
Territórios Aceitos
Accepted territories
Accepted territories
- Anguilla
- Aruba
- Bermudas
- Ilhas Virgens Britânicas
- Ilhas Cayman
- Ilhas Cook
- Curaçao
- Ilhas Malvinas
- Ilhas Faroé
- Polinésia Francesa
- Gibraltar
- Groenlândia
- Guam
- Guernsey
- Ilha de Man
- Jersey
- Montserrat
- Nova Caledônia
- Palau
- Porto Rico
- São Martinho
- São Pedro e Miquelon
- Sint Maarten
- Ilhas Turcas e Caicos
- Ilhas Virgens dos EUA
- Wallis e Futuna
Esta lista é regularmente atualizada para refletir as diretrizes AML/CFT da FATF, OFAC, ONU e UE. Todos os comerciantes são responsáveis por garantir a conformidade contínua.Pagamentos são suportados apenas nos países e regiões listados acima. Se o seu país não estiver incluído, os pagamentos não estão atualmente disponíveis a partir dessa localização.Esta lista pode mudar ao longo do tempo em conformidade com os requisitos regulatórios, e não podemos oferecer pagamentos fora das regiões suportadas.Contas de comerciantes são suportadas apenas onde a documentação KYC é emitida nos países listados acima.
Aplicação
Levamos a sério as violações de nossa política de comerciantes. Se determinarmos que um comerciante foi registrado infringindo esta política ou nossos termos — incluindo por deturpar seu negócio, tentar contornar restrições ou se envolver em atividades proibidas — a Dodo Payments pode tomar as medidas apropriadas.Ações de Aplicação Podem Incluir:
- Suspensão permanente da conta
- Interrupção imediata de transações e acesso à plataforma
- Retenção de pagamentos ou reversão de fundos liquidados
- Reembolso de todas as transações processadas
- Multas ou penalidades proporcionais a perdas, danos reputacionais ou riscos futuros (até USD 425,000)
- Reportar às redes de cartões, parceiros financeiros ou reguladores quando necessário
Exemplos de Violação de Política
Os seguintes casos podem desencadear investigação ou aplicação:- Classificar erroneamente seu negócio ou produtos para contornar restrições de categoria.
- Usar comerciantes de proxy, subcontas, ou apropriação de contas para evitar aplicação.
- Vender ou promover produtos que são enganosos, prejudiciais ou violam nossas regras de conteúdo proibido.
- Não divulgar informações essenciais no registro (ex.: incompatibilidade de site, tipo de entidade incorreto).
- Volume suspeito ou incomum de transações.
- Alto volume de reembolsos, disputas ou reclamações de clientes.
- Ações ou transações que foram sinalizadas por nossas plataformas de pagamento, financeiras ou regulatórias.
- Solicitações por autoridades legais mediante recebimento de ordem judicial relevante.
- Relatórios de atividades fraudulentas sinalizadas por nossos parceiros regulatórios e de conformidade, e relatórios de clientes.
- Quaisquer outras violações materiais de nossas políticas de plataforma ou violação de lei, conforme aplicável