Countries and virtual IBAN

Country rules on Connect depend on whether the sub-merchant uses virtual IBAN.

Scope	Country rule
Connect for card payment collection only (no virtual IBAN)	Same baseline as Merchant of Record eligibility: OFAC sanctions and your Inflow agreement, with Inflow risk review on top. No published country tier list.
Connect with virtual IBAN	The Merchant of Record baseline, plus the additional restrictions on this page.

Residency or registration eligibility is not the same as access to every payout rail or funding method. A flow that works for cards or wallets can still be blocked for virtual IBAN.

Virtual IBAN: not available

Virtual IBAN is not offered when a sub-merchant's principal residence or operating address is in any of the following. Lists evolve. Material updates are communicated through your usual Inflow channel.

Countries and territories

Country	Code
Afghanistan	AF
Albania	AL
Algeria	DZ
Bangladesh	BD
Belarus	BY
Burundi	BI
Central African Republic	CF
China	CN
Cuba	CU
Democratic Republic of the Congo	CD
Republic of the Congo	CG
Eritrea	ER
Ethiopia	ET
Gaza Strip	PS
Guinea	GN
Iran	IR
Iraq	IQ
Japan	JP
Kenya	KE
Kosovo	XK
Lebanon	LB
Libya	LY
Mali	ML
Morocco	MA
Myanmar	MM
Nepal	NP
Nicaragua	NI
Niger	NE
North Korea	KP
North Macedonia	MK
Pakistan	PK
Qatar	QA
Russian Federation	RU
Slovenia	SI
Somalia	SO
South Sudan	SS
Sudan	SD
Syria	SY
Tunisia	TN
Ukraine	UA
Venezuela	VE
West Bank (Palestinian Territory, Occupied)	PS
Yemen	YE
Zimbabwe	ZW

Plus disputed and occupied territories of Ukraine: Crimea, Sevastopol, Donetsk, Kherson, Luhansk, Zaporizhzhia.

United States

Virtual IBAN is not available when the sub-merchant's principal residence or operating address is in New York or Alaska. Edge cases (for example, a business incorporated in another state but operating primarily in NY or AK) are evaluated against the same rule and may require proof of address.

Virtual IBAN: case-by-case (high-risk)

For sub-merchants whose principal residence or operating address is in the following, virtual IBAN may be available subject to enhanced due diligence and is evaluated on the combination of country and business profile:

Angola, Barbados, Cayman Islands, Gibraltar, Haiti, Jamaica, Jordan, Nigeria, Philippines, South Africa, Uganda.

This list is non-exhaustive. Inflow may add or remove jurisdictions as our risk model evolves.

Pre-flight checklist for virtual IBAN

Until Inflow confirms availability in writing, assume virtual IBAN is not available for a sub-merchant when any of the following is true:

The sub-merchant fails the Merchant of Record baseline (sanctions or Inflow agreement).
The sub-merchant's country or territory appears in the not-available table above.
The sub-merchant's principal residence or operating address is in New York or Alaska.
The sub-merchant's profile triggers a case-by-case review (see above).

Support

For an authoritative answer on a specific sub-merchant: [email protected].

See also Business activities for industry rules.