DIMORACO provides specialist payment infrastructure for businesses operating in complex and higher-risk industries. However, support for high-risk businesses does not mean that every business, product, service, jurisdiction or activity can be supported. All merchant applications are subject to underwriting and the requirements of relevant banking, acquiring, processing, payment and compliance providers.

1. Purpose of This Policy

This policy provides general information about business activities that may be prohibited, restricted or subject to additional review when applying for payment infrastructure through DIMORACO. This policy is not exhaustive. Eligibility can depend on the specific products or services offered, business model, jurisdiction, customer markets, licensing requirements, regulatory environment, fulfilment model, transaction profile, processing history, chargeback exposure, marketing practices and available payment infrastructure.

2. General Eligibility

Businesses applying to DIMORACO must operate lawfully; accurately describe their products and services; provide accurate ownership and business information; hold licences or authorisations required for their activities; comply with applicable consumer-protection and payment-provider requirements; fulfil products or services as represented; maintain appropriate refund and customer-service practices; and cooperate with reasonable underwriting, verification and compliance requests.

3. Prohibited Activities

DIMORACO will not knowingly facilitate payment activity connected with unlawful conduct. Prohibited activity may include illegal goods or services; fraud; theft; money laundering; terrorist financing; sanctions evasion; deceptive business practices; unauthorised financial activity; trafficking or exploitation; counterfeit or stolen goods; illegal weapons or controlled substances; activity that violates applicable sanctions or trade restrictions; and other activity prohibited by applicable law.

4. Restricted and Higher-Risk Categories

Certain industries may be eligible for payment processing but typically require additional underwriting. These may include research and peptide businesses, supplements and wellness products, CBD and cannabinoid businesses, vape and e-cigarette businesses, adult entertainment and creator businesses, subscription businesses, online gaming, complex e-commerce, businesses with high recurring-billing exposure, and businesses with elevated chargeback exposure. Listing an industry does not guarantee approval.

5. Regulated Products and Services

Businesses dealing in regulated products or services may be required to provide evidence demonstrating compliance with applicable laws, including licences, registrations, product documentation, legal opinions, testing documentation, age-verification procedures, marketing compliance, shipping or fulfilment information, terms and refund policies, and other documentation relevant to underwriting.

6. Illegal or Deceptive Activity

DIMORACO does not support businesses that materially misrepresent products, services, pricing, billing practices, fulfilment, ownership, business location, transaction purpose or merchant identity. Material misrepresentation may result in immediate rejection or termination of services.

7. Financial and Transactional Risk

Eligibility may be affected by excessive chargebacks or refunds, unusually high fraud levels, misleading recurring billing, unclear cancellation practices, abnormal transaction patterns, significant unexplained volume changes, long fulfilment periods, excessive pre-orders, financial instability, inconsistent processing activity or other patterns presenting unacceptable payment risk.

8. Geographic Restrictions

Not all payment infrastructure is available in every jurisdiction. Processing may be unavailable or restricted where applicable law prohibits the activity, international sanctions apply, banking or acquiring coverage is unavailable, payment-provider policies restrict the jurisdiction, required licences cannot be verified, or the geographic risk profile cannot be supported.

9. Changes to Your Business

Merchants must notify DIMORACO of material changes, including new products or services, changes in ownership, new websites, new jurisdictions, substantial volume increases, changes to recurring billing, material fulfilment changes, acquisitions or other significant changes to previously provided information.

10. Provider-Specific Restrictions

Payment infrastructure may involve third-party banks, acquirers, processors, gateways, card or payment networks, compliance providers, fraud and risk providers and other infrastructure providers. Each provider may maintain its own restricted and prohibited-business policies.

11. Final Eligibility Decisions

DIMORACO reserves the right to request additional information, conduct further review, reject an application, restrict available payment services, require additional controls, reassess eligibility or discontinue support where continued processing cannot reasonably be supported. Final processing availability may also depend on independent provider decisions. Submitting an application does not guarantee approval or continued processing.

12. Contact Us

If you are unsure whether your business may be eligible, contact DIMORACO at info@dimoraco.com.