Business activities

This page describes Inflow's industry rules for Connect sub-merchants, especially those who will receive a virtual IBAN.

This is Inflow policy, not legal advice. Speak to your counsel for interpretation in your jurisdiction.

Disclose during onboarding

Sub-merchants must disclose the activities below during Connect onboarding. Disclosure does not mean rejection. It triggers a case-by-case review. If you are uncertain whether an activity counts, disclose it.

• Money services: remittances, ATMs, gift-card programs, check cashing, or any activity in the nature of a money services business (MSB)
• Lending, banking-style products, investment or credit services offered to third parties through your platform
• Foreign exchange, virtual-asset brokerage, OTC trading
• Holding third-party or client funds (escrow, custody-like arrangements)
• Third-party payment processing or making payments for others as a core activity
• Gambling, games of chance, sweepstakes, lotteries (including where licensed in some markets)
• Pharmaceuticals, tobacco or nicotine, cannabis or marijuana (and adjacent), adult entertainment
• Safe deposit box rentals or similar custody-of-asset businesses

Prohibited

Inflow does not onboard sub-merchants whose business falls into any of the categories below, and may exit existing relationships that move into them.

• Unlawful activity, fraud, abusive or deceptive commercial practices
• Counterfeit or unauthorized goods, intellectual property infringement
• Weapons and firearms; precious metals, gems, or luxury-goods schemes used as laundering vehicles
• Multi-level marketing; mixing or layering of funds to obscure origin
• Unlawful prediction markets; drug paraphernalia or substances designed to mimic illegal drugs
• Cannabis, narcotics, or controlled-substance commerce outside what Inflow explicitly permits
• Digital-asset exchange, money transmission, or money services without appropriate licensing and transparency, including undisclosed MSB activity
• Bail bonds; collections agencies in the forms Inflow does not support
• Any activity Inflow reasonably believes creates unacceptable financial-crime, legal, regulatory, or banking-policy risk

Final eligibility

Document and ownership requirements for KYB are guided inside the Connect onboarding flow, and through follow-ups from our team where needed. Inflow decides whether a sub-merchant is onboarded, kept active, and granted access to specific features such as virtual IBAN.

Continue with Countries and virtual IBAN for geography rules.