Bank and Financial Service Provider Policies Regarding Adult Content

Payment Apps and Digital Wallets

Alipay

Prohibited and Restricted Sales List (May 23, 2023)

Adult

Pornographic and vulgar audio visual products, pictures, channels, and publications, fetish products, sado masochism (SM) product

Pornographic and vulgar erotic services (including sex chatting and prostitution)

Apple Pay

Acceptable Use Guidelines for Apple Pay on the Web (undated)

You may not incorporate Apple Pay into a website that:

- Offers transactions involving:

• Pornography

- Primarily offers or sells drug paraphernalia or sexually-oriented items or services

Cash App

Cash App Acceptable Use Policy (July 23, 2023)

I. What's not allowed

Selling adult content and services
Pornography and other obscene materials (including literature, imagery and other media); and sites offering any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features.

Circle Pay

Circle Pay User Agreement - US (February 16, 2024)

16. Restricted Activities

In connection with your use of Services, you hereby agree that you will not:

- upload, display or transmit any messages, photos, videos or other media that contain illegal goods, pornographic, violent, obscene or copyrighted images or materials for use as an avatar, in connection with a payment or payment request, or otherwise.

Dwolla

Dwolla Account Terms of Service (October 30, 2024)

4.4 Prohibited Dwolla Account Activities. 

You shall not use your Dwolla Account or the Dwolla-Enabled Services to: ... engage in transactions related to or in furtherance of the following activities (“Prohibited Activities”):

- Adult entertainment, including but not limited to escort services, encounter clubs, and pornographic products and services

Google Wallet

GOOGLE PAYMENTS USER POLICIES (undated)

PROHIBITED TRANSACTIONS

Google does not allow the use of the service to make peer-to-peer transactions related to the following categories. The given examples are not exhaustive and we may also restrict products, goods, services, and other items not listed below.

Adult goods and services
Examples: Pornography and other sexually suggestive materials (including literature, imagery, and other media); escort or prostitution services; anything related to sex trafficking

PayPal and Venmo

ACCEPTABLE USE POLICY (October 29, 2022)

Prohibited Activities
You may not use the PayPal service for activities that:

2. relate to transactions involving ... (i) certain sexually oriented materials or services

Activities Requiring Approval
PayPal requires pre-approval to accept payments for certain services as detailed in the chart below.

Mature Audience Content: Any adult content delivered digitally including video on demand (VOD) and web-cam activities. PayPal may be restricted from processing payments in certain jurisdictions for adult DVD’s, magazines and other adult themed products or services.

Square

Payment Terms (December 6, 2023)

3. Unsupported Industries
Except where prohibited by law, you may not use the Payment Services for the following businesses or business activities: ... (22) adult entertainment oriented products or services (in any medium, including internet, telephone, or printed material)

Stripe

Prohibited and Restricted Businesses (November 2024)

Prohibited businesses
You must not use Stripe’s services for any illegal activities or for the businesses or product types listed below. The types of businesses listed here are representative of prohibited categories, but this is not an exhaustive list.

Adult content and services (see the FAQs for additional details)
- Adult services, including prostitution, escorts, pay-per-view, sexual massages, fetish services, mail-order brides, and adult live-chat features
- Adult video stores
- Gentleman's clubs, topless bars, and strip clubs
- All online dating services, including matchmakers
- Pornography and other mature audience content (including literature, imagery, and other media) depicting nudity or explicit sexual acts
- Any artificial intelligence generated content that meets the above criteria

Prohibited and Restricted Businesses List — FAQs (undated)

Adult content is legal where I’m selling it. Why can’t I use Stripe?
Due to various requirements that apply to Stripe as a payment processor, requirements from our financial partners, and the potential risk exposure to Stripe, we can’t currently work with businesses that sell or offer adult content or services.

Venmo

Venmo transactions are subject to PayPal’s Acceptable Use Policy

WePay

WePay Terms of Service - United States (April 1, 2022)

7. Prohibited Merchants and Activities
By registering as a Merchant, you also confirm that you are not one of the persons listed below and you will not accept payments or use the Service in connection with the activities, items or services set forth below.

- Adult Entertainment and Adult Oriented Businesses

Wise

Acceptable Use Policy (July 15, 2020)

1.2 Unsupported businesses and transactions
    1.2.1 Regulated or illegal products and services
        a. Adult content.
            1. Pornography and other visual content depicting explicitly sexual acts.
            2. Services of sexual nature (webcam shows, live chats, prostitution, escorts, etc).
            3. Sexually oriented establishments (massage parlors, strip clubs, gentleman’s clubs).

Zelle

Zelle Network® User Service Agreement (May 10, 2023)

3. Prohibited Uses
You agree that you will not use the Service to request, send or receive money related to any of the following:

- Sexually oriented activities or materials;

- Pornography;