Merchant Acceptance Policy

Web Rabbit Payments is a payment service provider for businesses in Ghana — digital products and online services, and platforms that collect payment online for services fulfilled in the real world, such as rides, deliveries, food orders and bookings. We are responsible to our banking, mobile money and compliance partners for what is processed through our rails, so we maintain clear standards for the businesses we onboard. This policy explains what we support, what we cannot support, and how we enforce it.

Businesses we support

1. SaaS & AI products
2. Digital goods and downloadable products
3. Courses and learning material
4. Templates, plugins and apps
5. Platforms and on-demand services — ride-hailing, courier and delivery, food ordering and bookings (see the conditions below)

We assess value by what a customer actually receives after paying. Products that do what they promise, are genuinely useful, and feel worth the price sail through. Offerings built on hype, vague claims, artificial urgency or repackaged free content get a closer look and may be declined.

What we look for

• Legally compliant — complies with consumer protection, data privacy and local law in every region you sell to.
• Honest and helpful — real value for users, no deceptive or exploitative mechanics.
• Deliverable — digital delivery that happens immediately and reliably after payment.

Prohibited businesses

1. NSFW, intimacy & adult content or services — Explicit or suggestive content, whether real or AI-generated — adult subscription platforms, NSFW chatbots, webcam streams, erotic games, adult toys, escort-style services.
2. Manual digital services — Custom design, development, coaching, freelancing or consulting sold online. If most of the value sits in human labour rather than a digital system, we cannot support it.
3. Digital products with limited or unclear value — Thin AI-generated PDFs, heavily marked-up templates, unfinished sites sold at premium prices, waitlists, teaser pages or "coming soon" products with no immediate usable value.
4. Shipped physical merchandise & direct in-person services — Merchandise, hardware, books and supplements that have to be shipped, and one-to-one in-person services sold directly by the provider (home visits, salon or repair bookings taken on your own site). On-demand services booked and paid for through a licensed platform — rides, deliveries, food orders — are supported; see "Platforms, marketplaces and on-demand services" below.
5. Illegal or age-restricted goods — Drugs, alcohol, tobacco, vapes, prescription medicine, or anything that breaks local law in a region you target.
6. Categories restricted by our partners — Some business types are restricted under the rules of our payment, banking and compliance partners. Where they restrict a category, we cannot support it.
7. Custodial finance & third-party funds — Unlicensed banking, escrow, lending, or customer stored-value and top-up balances you hold on behalf of your users. Ordinary supplier, vendor or driver payables that a platform owes and pays out of its own settled funds are not custodial and are not covered by this entry.
8. Company registration & statutory filing services — Processing or facilitating incorporations, government filings, licences, permits or other statutory registrations.
9. Tax evasion, shell entities or regulatory arbitrage — Products or setups designed to evade tax, mask ownership, or bypass financial and legal regulation.
10. Regulated professional services — Legal, accounting, medical and other licensed or certification-bound services — advisory work, diagnosis or treatment, document preparation, representation, tax planning.
11. Travel, immigration & visa services — Flight, cruise, charter and timeshare bookings, plus visa, residency or citizenship facilitation.
12. Health & wellness products — Diagnostics, weight-loss programmes, supplements or biohacking kits — including well-intentioned and honestly marketed ones.
13. Miracle, misleading or unverifiable claims — Anything promising outcomes that cannot be substantiated ("cures X", "reverses ageing", "make money while you sleep").
14. Social matching & interaction services — Random video or chat matching, matchmaking, dating platforms, AI relationship companions.
15. Religious or spiritual services — Paid prayers, rituals, faith-based counselling, or paid access to a religious or spiritual authority.
16. Gaming & virtual goods — Online games, in-game currency, digital item sales, boosters or private servers — official or not.
17. Virtual asset services — Crypto offerings, custodial wallets, NFTs, DeFi, exchanges or token launches.
18. Piracy or IP violations — Selling anything you did not create or license — pirated media, software keys, copy-paste code packs.
19. IPTV & streaming access services — IPTV subscriptions, reseller panels, or tools granting access to third-party streaming content.
20. Software resale or licence flipping — Discounted licence resale, or reselling AI APIs, datasets or tools without clear rights.
21. Privacy violations & surveillance tech — Stalkerware, keyloggers, non-consensual location tracking, facial recognition, face-swap tooling, or scraping personal data without a legal basis.
22. Hosting, servers & infrastructure — VPN, VPS or dedicated servers, hosting plans, cloud credits, bandwidth resale, or any persistent server-level access sold to end users.
23. Telecommunication services — SIM and eSIM sales, VoIP, PSTN calling, telecom routing, call or SMS termination and related operations.
24. Spam, mass outreach & scraping tools — Lead scraping, bulk outreach or spam tooling, and databases of sensitive personal information.
25. Proxy, cloaking or anti-terms tools — Anything that helps users bypass rate limits, captcha, authentication, platform terms or geo restrictions.
26. Cheating & manipulation tools — Hacks, mods, bots, engagement manipulation, fake reviews, or tools that bypass platform or API restrictions.
27. Donations — Collecting money without delivering a defined product or service in return.
28. Fundraising — Charity or NGO drives, political or religious donations, personal fundraisers and crowdfunding.
29. Payment forwarding & money transmission — Acting purely as a conduit for other people’s money — collecting on behalf of unrelated businesses, unlicensed money transmission or remittance, and gift or benefit card resale. Platforms that are the merchant of record, settle to their own verified account and pay their own suppliers are supported; see "Platforms, marketplaces and on-demand services" below.
30. Ticket resale & speculative reservations — Resale of tickets, passes or reservations you did not issue, and speculative or scalped bookings. Selling or booking your own service, or bookings taken through your own platform, is supported.
31. Weapons & violence-oriented content — Weapons, combat training, DIY explosives, self-defence tools, or content that glorifies violence or incites harm.

Even if your business is not listed above, we may still decline it where we believe it carries legal, financial or reputational risk. Being technically digital does not by itself make a product eligible.

Businesses that require review

Some categories are not prohibited, but need enhanced due diligence. We deliberately support high-risk-but-legal categories that mainstream processors blanket-ban — betting tips, gambling operators, Forex education and signals — provided the business is legal, honest with its customers and properly licensed where a licence is required. If you operate in one of these spaces we may ask for licences, disclaimers, demo access or policy links before approving your account. Approval is decided case by case and is not guaranteed.

1. Platforms, marketplaces & on-demand services — Ride-hailing and e-hailing, courier and parcel delivery, food ordering, and booking platforms for your own service. Supported where you are the merchant of record and settle to your own verified business account — see the conditions below.
2. Betting tips, predictions & handicapping — Paid tips, picks, models or subscription communities for sports betting. We ask for clear odds/risk disclaimers, no guaranteed-win claims, an 18+ gate and visible refund terms.
3. Gambling & games of chance — Casinos, lotteries, betting operators, sweepstakes and cash-prize contests. We ask for your gaming licence (Gaming Commission of Ghana or the equivalent regulator in every market you serve) and responsible-gaming controls.
4. Forex, trading education & signals — Forex/CFD signals, trading courses, funded-account or prop-firm style products. We ask for risk disclosures, honest performance claims and any licence required in the markets you sell to.
5. Financial tools & advice — Budgeting, investing, wealth or money-management products. Licensed where the law requires it, with no guaranteed-return claims.
6. AI content generation tools (text, image, video, voice) — No impersonation, scraping or deepfakes.
7. Marketing & outreach tools — No spam, scraping or fake engagement.
8. Resume, hiring or exam tools — No impersonation or cheating functionality.
9. Spiritual & astrology services — Entertainment only — no claims or predictions.
10. Audio, music & chatbot generators — No voice cloning, NSFW output or IP infringement.
11. E-books & written digital publications — Guides, playbooks, reports and downloadable written content.
12. Productised services — A fixed, pre-defined digital deliverable that is identical for every buyer, with limited repeatable operational work — not custom or consultative.

Conditions for platforms, marketplaces and on-demand services

Ride-hailing, courier and delivery, food ordering and booking platforms are supported on our rails. The fact that the ride or the meal is delivered in the real world does not disqualify you — what matters is who the customer is paying and who is accountable for the service. The conditions are:

• You are the merchant of record. The customer pays your platform for a service your platform is accountable for. We settle to your own verified business account only.
• You pay your own suppliers. Paying drivers, riders, couriers, restaurants or vendors is your responsibility, made from your settled funds. We do not split, hold or route money to third parties on your behalf, and we do not treat those payables as custodial funds.
• Licences where they are required. Any transport, e-hailing, courier, food handling or other permit needed to operate in each market you serve.
• Clear customer terms. Published cancellation, refund and complaint terms, and a support channel that answers.
• No customer stored value. Customer wallets, top-up balances or any product where you hold money for your users stays out of scope until you hold the licence that permits it. Talk to us before you build one.
• Standard KYB, plus a look at the live product. Business registration, directors and bank verification, and a walk-through of the live app and pricing before you go live.

What to prepare for an enhanced review

For sensitive services — tipster and prediction platforms in particular — we run a short enhanced review before you go live. Approval is decided case by case and is usually quick. Having these ready speeds it up:

• A link to your live platform and your pricing page.
• The exact wording customers see about what they are buying.
• Your refund policy.
• An 18+ and responsible-gambling disclaimer on the sales page.
• For Telegram or private-community delivery, we may ask for a quick look at the channel to confirm subscribers actually receive what they paid for.

We may also come back with follow-up questions later — for example after a product change, a new domain, or a rise in disputes. We are an uncensored payment provider: we are not here to decide which legal business model deserves to exist. What we do insist on is transparency, so that every customer knows what they are buying and is satisfied with what they receive. What we will not support is money laundering, fraud, or deception dressed up as a product. Within that line, we will do our best to support your business model.

Declaring where your API keys run

Live integrations must declare the site and app using each API key via the HTTP-Referer and X-Webrabbitmedia-Title headers — see Identify your app. Declarations are reviewed by humans. False or misleading attribution can lead to suspension of the key or the account. If you move to a new domain or rebrand, notify us at support@webrabbitmedia.com before the change so your record stays accurate.

Fulfilment & access delivery

Where you use Web Rabbit Payments to deliver access on purchase — a licence key, a download bundle, a private community invite, a repository or a template — the standards in this policy apply to what is actually delivered, not only to what the checkout page advertises. Material drift between the advertised product and the gated content is treated as a policy breach and may lead to review, restriction or closure.

Review & monitoring

We combine automated checks with human review. Reviews happen at defined points in the lifecycle:

1. Activation & first transaction — confirming products and checkout match what was disclosed at onboarding.
2. Before first payout — completing compliance checks and validating fulfilment.
3. Ongoing triggers — new domains, product shifts, unusual transaction patterns, or rising disputes and refunds.
4. Periodic reviews — routine monitoring to confirm continued compliance.

Possible outcomes are continued support, remediation (we ask you to fix or clarify something), or deboarding.

Enforcement

If we determine an account was onboarded in breach of this policy, we may take any of the following actions:

• Suspend the account permanently
• Halt transactions and platform access immediately
• Withhold payouts or reverse settled funds
• Refund transactions already processed
• Report to financial partners or regulators where required

How enforcement affects payouts

Withholding or reversing settled funds is reserved for fraud, money laundering, serious chargeback or refund exposure, or a lawful order from a competent authority. It is not something we do during a routine review, a documentation request or a category clarification — those run while your payouts continue as normal. Where a genuine problem arises and the law allows it, we contact you first, explain what we have seen and give you a chance to respond before we hold funds. If you run a platform that owes drivers or vendors daily, tell us during onboarding and we will agree the payout rhythm up front.

Common breaches include:

1. Misclassifying your business or products to bypass category restrictions.
2. Using proxy merchants or sub-accounts to avoid enforcement.
3. Selling deceptive or harmful products, or anything on the prohibited list.
4. Failing to disclose essential onboarding information, such as a website that does not match the declared business.
5. Unusual transaction volume, or a high rate of refunds, disputes or complaints.
6. Activity flagged by our payment, banking or compliance partners.
7. A lawful request or order from a competent authority.

Appeals

If you believe enforcement was applied in error, you can request a review by emailing compliance@webrabbitmedia.com. Reviews are considered once and the decision is final. Voluntary disclosure of a potential issue is considered favourably.