Política de industrias prohibidas

Esta política describe industrias, bienes, servicios y actividades de transacción que los comercios no pueden realizar al solicitar o usar los servicios de tecnología de pagos de ucake.

Última actualización: 2026-07-03

Contenido de política

1. Scope

  • This Prohibited Industries Policy applies to merchants, partners and related businesses that apply for or use the ucake website, APIs, sandbox, payment technology services, collection, payout, virtual account, QR and wallet aggregation capabilities.
  • Merchants must not use ucake directly or indirectly for any activity prohibited by applicable law, including Vietnamese law, laws of the merchant location, transaction location laws, bank and payment partner rules and international sanctions requirements.
  • This is a website-facing compliance policy. During formal onboarding, ucake may apply stricter requirements based on business model, transaction countries, payment channels, bank requirements and risk review results.

2. Legal and compliance basis

  • This policy is prepared with reference to Vietnamese requirements on anti-money laundering, counter-terrorist financing, cybersecurity, e-commerce, consumer protection, investment and business activities, criminal law and related regulatory expectations.
  • Merchants must comply with Vietnam anti-money laundering law, AML/CFT implementing requirements, cybersecurity and personal data protection rules, and regulations applicable to e-commerce, payments, fintech, cross-border services and data processing.
  • If a merchant serves customers outside Vietnam, it must also comply with laws of the customer location, transaction location, settlement location and rules of relevant banks, wallets, payment networks or partners.

3. Prohibited industries and activities

  • Illegal gambling, betting, casinos, lotteries, unlicensed prize games or any disguised gambling activity.
  • Money laundering, terrorist financing, proliferation financing, sanctions evasion, fake transactions, mule accounts, Ponzi schemes, scams, phishing, fraudulent investment, illegal fundraising or other financial crime.
  • Unlicensed financial services, including illegal lending, usury, foreign exchange, securities, derivatives, virtual assets, cryptocurrency trading, payment clearing, remittance, custody, crowdfunding, insurance or investment advice.
  • Narcotics, controlled substances, controlled chemicals, illegal medical products, counterfeit drugs, unlawful prescription drug sales, human organs, blood, endangered wildlife or related products.
  • Weapons, ammunition, explosives, military or police equipment, sensitive dual-use items, regulatory circumvention devices, hacking tools, malware, account theft tools, spyware or cyberattack services.
  • Illegal adult content, inappropriate minor-related content, sexual exploitation, human trafficking, prostitution, obscene livestreaming, deepfake sexual content, violent or hateful content.
  • Intellectual property infringement, pirated software, counterfeit goods, smuggled goods, stolen card use, identity theft, forged documents, fake invoices, fake qualifications, fake orders, fake reviews or platform manipulation services.
  • Any activity considered by Vietnamese authorities, banks, payment partners, international organizations or ucake risk rules to be high-risk, illegal, fraudulent, harmful to consumers or unsuitable for payment technology services.

4. Restricted or enhanced review businesses

  • Gaming, livestreaming, social platforms, affiliate marketing, digital content, subscriptions, cross-border e-commerce, education, travel ticketing, marketplaces, prepaid cards, gift cards, lending lead generation and financial information services may require enhanced review.
  • Enhanced review may include company verification, beneficial owner checks, licenses or qualifications, website and app review, goods or service lists, refund rules, user terms, privacy policy, fund flow explanation and transaction history.
  • Without written confirmation from ucake, merchants must not change business type, domain, collection purpose, transaction country, settlement route or collect/pay funds for third parties.

5. Merchant representations and ongoing duties

  • Merchants represent that submitted entity information, business information, licenses, websites, goods, services, transaction scenarios and technical information are true, accurate, complete and continuously valid.
  • Merchants must maintain reasonable customer identification, order review, anti-fraud, refund, complaint handling, minor protection, personal data protection and transaction monitoring measures.
  • Merchants must promptly notify ucake of material changes to business, ownership, beneficial owners, scope, transaction model, cooperation websites or regulatory status.
  • Merchants must not split transactions, disguise transaction purpose, use fake orders, hide true payer or beneficiary, bypass risk controls or help any third party evade this policy.

6. Review, suspension and termination

  • ucake may conduct due diligence, continuous monitoring, sample reviews, document requests, transaction review and risk assessment before, during and after onboarding.
  • If a merchant violates this policy, applicable law, regulatory requirements, bank rules or payment partner rules, ucake may reject onboarding, suspend APIs, limit transactions, delay settlement, require remediation, report or terminate services.
  • Where suspected crime, sanctions risk, money laundering or terrorist financing risk, fraud or serious consumer harm exists, ucake may take urgent restrictive measures where permitted by law and cooperate with competent authorities, banks and partners.

7. Relationship with other policies

  • This policy should be read together with ucake Terms of Service, Privacy Policy, Sanctions Compliance Policy, merchant agreements, data processing terms, API documentation and risk control requirements.
  • If this policy conflicts with a merchant agreement or specific payment channel rules, the stricter or more specific requirement applies unless prohibited by law.
  • ucake may update this policy according to changes in law, regulatory expectations, bank rules, sanctions lists, risk events and business models.