Merchant of Record eligibility

This baseline applies in two cases:

• You use Inflow as a standard merchant for your own business (hosted checkout, payment links, subscriptions, payouts) without Connect sub-merchants and without a virtual IBAN attached to that entity.
• You operate Connect to collect card payments on behalf of sub-merchants, with no virtual IBAN involved.

If a sub-merchant needs a virtual IBAN, additional country rules apply: see Countries and virtual IBAN. Connect-specific industry rules also apply to sub-merchants regardless of payment method: see Business activities.

Baseline rule

You may not use Inflow from jurisdictions, or in circumstances, that are incompatible with U.S. Treasury OFAC sanctions and the sanctions and compliance terms of your Inflow agreement.

• The OFAC sanctions program and your contract are the sources of truth, not informal country lists.
• Acceptable use, industry restrictions, and processor or banking-network rules still apply regardless of country.

In practice

This baseline does not mean every non-OFAC country is automatically onboarded. Inflow runs an internal risk review on each account and may decline merchants in higher-risk jurisdictions or industries even when no sanctions program is involved. Because review is per account, there is no published country tier list at this layer. Ask before onboarding a marginal jurisdiction or sensitive activity.

For a specific case: [email protected].