Merchant Negative List

Merchants engaged in the following categories or activities are prohibited from using UPITranzact services:

1. Illegal Businesses

Any merchant category banned under central or state laws or any other applicable regulations, including products/services not in compliance with federal, state, local, or international laws (including Indian laws).

2. Unregulated or Unauthorized Businesses

Activities not specifically permitted by regulators or competent authorities, such as:

• Lotteries
• Casinos
• Nightclubs
• Gambling
• Betting

3. Adult Content and Services

Activities involving:

• Adult goods
• Pornography (including child pornography)
• Sexually suggestive materials
• Escort or prostitution services
• Any related memberships or website access

4. Unregulated Financial Products

Includes businesses dealing in unregulated asset classes such as cryptocurrency.

5. Copyright Infringement

• Devices used to bypass copyright protection (e.g., mod chips)
• Unauthorized copies of media (books, music, movies)
• Unauthorized software or video games (including OEM or bundled versions)

6. Bribery or Corruption

Any activity identified as bribery or corruption by the RBI or under applicable law.

7. Body Parts

Sale of human organs or other body parts.

8. Bulk Marketing Tools

Email lists, database providers, telemarketing tools, or other products that enable spam or violate TRAI regulations.

9. Cable Descramblers and Black Boxes

Devices used to unlawfully access cable or satellite signals.

10. Counterfeit and Unauthorized Goods

Fake designer items, autographs, stamps, or celebrity-endorsed products without proper rights.

11. Drugs and Paraphernalia

Includes illegal drugs, accessories, and herbal substances like marijuana, salvia, etc.

12. Drug Test Circumvention Aids

Items like cleansing shakes or urine additives designed to manipulate drug tests.

13. Endangered Species

Sale of plants, animals, or products derived from endangered species.

14. Gambling

Lotteries, sports betting, gambling memberships, or related content.

15. Government Documents

Fake IDs, passports, diplomas, and noble titles.

16. Hacking and Cracking Tools

Manuals or equipment to enable illegal access to digital properties.

17. Illegal Goods

Any material or product promoting or enabling illegal acts.

18. Miracle Cures

Unproven health remedies marketed as quick fixes.

19. Offensive Materials

Defamatory, discriminatory, hateful, or violence-inciting content.

20. Hazardous Materials

Explosives, corrosives, flammable or radioactive substances.

21. Regulated Goods

Items including but not limited to:

• Air bags
• Mercury batteries
• Freon products
• Solvents
• Government uniforms
• Weapons
• Police gear
• Lock-picking tools
• Pesticides
• Slot machines

22. Tobacco Products

Cigarettes, cigars, chewing tobacco, and related items.

23. Live Animals and Animal Parts

Including hides, skins, teeth, nails, etc.

24. Multi-Level Marketing Fees

Fees related to MLM, pyramid schemes, or get-rich-quick programs.

25. Matrix Schemes

Sites using matrix or tier-based models.

26. Work-at-Home Programs

Including informational or promotional material.

27. Drop-shipped Merchandise

Items not held in inventory or fulfilled by the merchant.

28. Chargeback-Prone Services

Services likely to result in disputes (e.g., adult content, friend finders).

29. Ambiguously Regulated Businesses

Operations within legal gray areas.

30. Virtual Currency & Credits

Including cryptocurrencies, monetizable game credits, and other convertible digital assets.

31. Money Laundering

Services facilitating illegal financial transactions.

32. Bidding/Auction Houses

Any business model relying on user bids or auctions.

33. Money Changers and Transfer Agents

Unless authorized by the RBI.

34. Domestic Money Transfers

Except those performed by authorized bank agents under RBI regulations.

35. Offshore Corporations

Entities registered outside India and not compliant with Indian laws.

36. Crowdsourcing Platforms

Platforms not compliant with regulatory frameworks.

37. Others

Any product or service that, in the sole opinion of the Bank or payment gateway provider, is detrimental to their image, interests, or reputation. This is in addition to other applicable terms and conditions.

Contact Information

For questions regarding merchant eligibility or this negative list, please contact us at:

For more information about our services, please refer to our Terms and Conditions and Privacy Policy.