Prohibited Businesses

About This Policy

Apipay provides payment services by connecting merchants to Bank Indonesia-licensed payment service providers (PSPs) that partner with us. Each PSP is subject to Bank Indonesia and OJK regulations, as well as payment network rules that restrict the types of businesses allowed to accept payments. This policy explains the business categories and activities that are not allowed to use Apipay’s services (“Prohibited Businesses”).

The list below is representative, not exhaustive, and may change from time to time due to changes in regulation or requirements from our PSP partners, without prior notice. If you’re not sure whether your business falls into a prohibited category, contact us before signing up or processing transactions.

Gambling

• any form of online gambling: betting, lotteries, sports forecasting, casino games (roulette, blackjack, poker, baccarat, slot machines, keno)
• platforms or sites that facilitate deposits, top-ups, or withdrawals for gambling activity
• sale or distribution of chips, credits, diamonds, or other virtual assets intended for gambling

Adult Content & Services

• pornography and other obscene material (including literature, imagery, and other media)
• sexual products or toys, aphrodisiacs, and similar items
• prostitution, escort services, mail-order bride services, adult live chat, or similar services

Narcotics & Controlled Substances

• Category I-III narcotics and psychotropics (opium, cocaine, cannabis, methamphetamine, and the like) and their precursors
• recreational substances that are illegal or restricted in Indonesia, including kratom and magic mushrooms

Weapons, Explosives & Dangerous Goods

• sale, distribution, import, or export of firearms, ammunition, and explosives
• hazardous chemicals or bomb-making materials that threaten public safety

Counterfeit Goods & IP Infringement

• counterfeit or unauthorized goods, including unauthorized resale of branded products
• distribution of music, movies, software, or other licensed material without the rights holder’s authorization
• products or services that infringe a third party’s trademark, copyright, patent, or trade secrets

Fraud, Ponzi Schemes & Deceptive Products

• Ponzi schemes, pyramid schemes, or investment scams promising high returns with minimal risk
• misleading mystical or supernatural product claims
• goods or services that are materially dishonest, deceptive, or misleading to consumers

Money Laundering & Other Illegal Activity

• money laundering or terrorism financing
• human trafficking, document forgery, or black market goods trading
• credit card cash-out services through fake or manufactured transactions

Unlicensed Virtual Currency & Crypto Assets

• sale, exchange, or conversion of virtual currency/crypto assets that aren’t registered or licensed with Bappebti/OJK
• issuing or selling stored value, tokens, or credits that can be cashed out or converted to money or physical goods beyond what applicable regulation allows

Unlicensed Financial Services & Professions

• financial, brokerage, or money service business activity without a license from the relevant authority
• brokering government documents (passports, visas, business registration, and the like) without proper authorization
• legal or accounting services without the required practicing license
• nonprofit organizations that in practice distribute profits to their members or officers

Hacking & Unauthorized Access Tools

• software or services used to hack, wiretap, or gain unauthorized access to systems

Hate Speech & Discriminatory Content

• content that promotes hatred, discrimination, or violence based on race, ethnicity, religion, gender, sexual orientation, or disability

Prohibited & Restricted Import-Export Goods

• goods prohibited or restricted from import or export under Indonesian customs regulation, including protected species (CITES), cultural heritage artifacts, certain chemicals, and certain used goods

Unauthorized Payment Aggregation

• using Apipay’s services to pass funds on to unregistered sub-merchants or third parties without authorization to act as a payment service provider

Consequences of Violation

Apipay may suspend transactions, freeze funds, terminate account access, and report suspected violations to the relevant authorities (including Bank Indonesia, OJK, and law enforcement) without prior notice if we suspect your account is being used for any activity on the Prohibited Businesses list above.

Reporting a Suspected Violation

If you come across a merchant or party using Apipay for a prohibited activity, report it through our Abuse Report page.

Contact

Questions about this policy can be sent to legal@apipay.id or to PT Api Teknologi Indonesia, Jl. Bintaro Raya Selatan No.8C, Kebayoran Lama Utara, Kec. Kebayoran Lama, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12240, Indonesia.