The following business categories may be restricted or prohibited from using payment services based on the policies of card brands, acquirers, and payment partners.
In addition to the categories listed below, payment service approval may be declined for businesses considered high-risk, non-compliant, or inappropriate under applicable laws, regulations, or internal policies.
Please note that business categories not explicitly listed below may also be subject to review and restriction depending on compliance and risk assessment results.
1. Prohibited Categories (Not Allowed for Onboarding)
| Category | Prohibited Categories (Not Allowed for Onboarding) |
|---|---|
| Food / Medical | Alcoholic beverages and liquor |
| Prescription drugs | |
| Prescription contact lenses and eyeglasses | |
| Fillers, Botox, whitening injections, needles, numbing creams, and similar medical beauty products | |
| Physical Goods | Open marketplaces and resale businesses |
| Second-hand products and C2C transactions | |
| Luxury goods, including counterfeit and replica products | |
| Artwork and art pieces | |
| Figures and collectibles | |
| 24K gold, pure gold, diamonds, high-value jewelry (over KRW 2 million), organic gemstones (e.g. coral, ivory, pearls) | |
| Electronic devices prohibited under local laws, hidden cameras, and spy cameras | |
| Hazardous chemicals and chemical spray products | |
| Agricultural machinery and cutting tools | |
| Military uniforms and military equipment | |
| Firearms, swords, guns, ammunition, crossbows, weapons, imitation weapons, and replica weapons | |
| Tobacco products, e-cigarettes, vaping-related products, and smoking cessation products | |
| Narcotics and psychotropic drugs | |
| Pet adoption and animal sales | |
| Finance | Foreign currency exchange services |
| Gift cards, prepaid cards, gifticons, vouchers, and exchange coupons | |
| NFT, virtual asset investment, and cryptocurrency-related services | |
| Investment information services, unlicensed investment advisory services, loan consulting, lending businesses, and business opportunity/investment solicitation services | |
| Rent, monthly housing payments, and housing-related expenses | |
| Real estate brokerage and rental services | |
| Content | Lottery, lotto, random box services, and online/offline gambling or casino-related services |
| Lotto number generation services and lottery-related websites (including information services) | |
| Investment funding and crowdfunding | |
| P2P services, webhard services, and file-sharing websites | |
| Paid adult content, pornographic content, and websites harmful to minors | |
| Fortune telling, astrology, tarot reading, talismans, and naming services | |
| Services | Advertising services, telemarketing, and SNS advertising |
| Certain information service providers, matchmaking services, marriage agencies, and dating applications | |
| Adult industry platforms (including prostitution and massage parlors) | |
| Recruitment and nightlife recruitment services | |
| Funeral service providers (human and pet funeral services) | |
| Private investigation agencies | |
| Auctions, low-price auction services, and bidding platforms | |
| Transaction brokerage and sales slip trading | |
| Shamanistic and spiritual ritual services | |
| Membership discount programs (hotel, condo, automobile, travel, insurance, leisure, etc.) | |
| Long-term car rental services (3 months or longer) | |
| Mobile phone sales bundled with telecom subscriptions (device-only sales allowed) | |
| Others | Donations, sponsorships, cash contributions, and temple offerings |
| Cash advance businesses and insurance products (long-term or monthly payment type) | |
| High-value products (over KRW 5 million) and high-value recurring payments | |
| Manually entered or adjustable payment amounts | |
| Multi-level marketing (MLM) | |
| Sales of new cars, used cars, and motorcycles | |
| Extreme discount shopping malls (“half-price” concepts) | |
| Stem cell-related products and services | |
| Game items and in-game currency |
※ If the above-mentioned products are sold without prior approval, all responsibility shall rest solely with the merchant. (Any penalties imposed by card brands shall be borne in full by the merchant.)
2. High-Risk Categories (Subject to Review)
| Category | High-Risk Categories (Subject to Review) |
|---|---|
| Fashion / Beauty | Jewelry, precious metals, watches, and other high-value products (silver, high-value precious metals) |
| Distribution / E-commerce | Purchasing agency services |
| Platform operators | |
| Adult products | |
| Rice and grain products | |
| Culture / Hobbies | Online games and game items |
| Tickets (concerts, exhibitions, sports events, etc.) | |
| Travel / Transportation | Tour and travel services |
| Airlines | |
| Accommodation services | |
| Rental cars, car sharing, chauffeur services | |
| Electric vehicle charging services | |
| Services | Office, legal, and consulting services |
| Online education services | |
| Visa application/processing services | |
| Medical / Healthcare | Hospitals, veterinary hospitals, nursing hospitals |
| Medical devices and medical supplies |
※ If the above-mentioned products are sold at the merchant’s discretion without authorization, all related liabilities shall be the sole responsibility of the merchant. (The merchant shall bear the full amount of any penalties imposed by card brands.)