1. Overview
Payoup is a technology platform (SaaS) that acts as the principal seller (Merchant of Record) on all transactions, providing service providers with the commercial, technical, and payment infrastructure to sell globally. This Acceptable Use Policy (AUP) defines rules and guidelines for using our platform. By using Payoup, you agree to comply with this policy and all applicable laws and regulations.
Payoup is committed to maintaining a safe, secure, and trustworthy platform for legitimate transactions. We actively monitor for and prevent misuse of our services.
2. Permitted Services and Transactions
Payoup may be used for the following types of services and transactions:
Software Development
Web development, mobile apps, software engineering, and programming services.
Creative Services
Graphic design, illustration, video editing, photography, and content creation.
Writing & Translation
Content writing, copywriting, technical writing, editing, and translation services.
Marketing & Consulting
Digital marketing, SEO, business consulting, and strategic planning services.
Education & Training
Online tutoring, course creation, coaching, and educational content development.
Technical Support
IT support, system administration, technical troubleshooting, and maintenance services.
Digital Products
Software licenses, templates, themes, plugins, scripts, digital art, e-books, music, game assets, in-game items, and other downloadable digital goods.
E-Commerce & Physical Goods
Retail products, handmade items, merchandise, print-on-demand, and physical goods sold through our store or payment links.
Subscriptions & Memberships
Recurring billing for SaaS products, membership sites, premium content access, and subscription-based services.
3. Prohibited Services and Activities
The following services and activities are strictly prohibited on the Payoup platform:
Illegal Activities
Any services that violate local, national, or international laws, including fraud, money laundering, or terrorist financing.
Adult Content
Adult entertainment, escort services, or any sexually explicit content or services.
Controlled Substances
Sale or distribution of illegal drugs, prescription medications without proper licensing, or drug paraphernalia.
Legal Services
Legal advice, representation, or services requiring a law license unless properly verified and authorized.
Medical Services
Medical advice, diagnosis, treatment, or services requiring medical licensing and proper verification.
Gambling
Online gambling, betting services, lottery tickets, casino games, or any form of wagering.
Weapons & Explosives
Sale of weapons, firearms, ammunition, explosives, or related accessories and components.
Counterfeit & Fraudulent Documents
Fake diplomas, certificates, identity documents, counterfeit goods, or brand imitation products.
Unregulated Cryptocurrency Services
Unlicensed cryptocurrency exchange, ICOs, token sales, crypto mining services, staking platforms, and secondary market NFT sales.
Tobacco & Nicotine Products
Tobacco, cigarettes, e-cigarettes, vaping products, and related accessories.
Multi-Level Marketing (MLM)
Pyramid schemes, Ponzi schemes, MLM recruitment, commission-based referral networks, and get-rich-quick schemes.
Human Trafficking & Exploitation
Human trafficking, forced labor, organ trade, or any form of exploitation.
Terrorism & Extremism
Terrorist financing, extremist propaganda, radicalisation material, or support for sanctioned entities.
4. Specific Prohibited Activities
In addition to prohibited services, the following activities are not allowed on Payoup:
4.1 Fraud and Deception
Misrepresenting services or qualifications
4.2 Intellectual Property Violations
Services that infringe on copyrights, trademarks, or patents
4.3 Privacy and Data Violations
Services involving the sale or trade of personal data
4.4 Harmful Content
Hacking, phishing, or social engineering services
Hate speech, discrimination, or harassment services
5. Transaction Limits and Requirements
To maintain platform security and compliance, Payoup enforces the following transaction requirements:
Minimum Transaction Amount
€5 (or equivalent in other currencies)
Maximum Single Transaction
€5,000 (or equivalent in other currencies)
Monthly Transaction Limits
Based on verification level and account type
Geographic Restrictions
Some transactions may be restricted based on location
Currency Requirements
Transactions must be in supported currencies
Note: Higher transaction limits are available for verified users with enhanced verification levels.
6. Account Responsibilities
As a Payoup user, you are responsible for:
- Maintaining the security of your account credentials
- Monitoring your account for unauthorized activity
- Providing accurate and truthful information
- Complying with all applicable laws and regulations
- Responding promptly to Payoup's requests for information
- Not sharing your account with others
- Reporting suspicious activity to Payoup immediately
- Using Payoup only for legitimate, legal transactions
7. Content and Communication Standards
All content and communications through Payoup must adhere to these standards:
Professional Language
Use appropriate, professional language in all communications
No Spam
Do not send unsolicited messages or marketing content
Truthful Representation
Accurately describe your services and qualifications
Respectful Interaction
Treat other users with respect and professionalism
No Harassment
Do not engage in harassment, threats, or abusive behavior
8. Compliance and Monitoring
Payoup actively monitors platform activity to ensure compliance:
Automated Monitoring
AI-powered systems (including OpenAI as a third-party AI provider) detect suspicious patterns, prohibited content, and policy violations in real-time
Manual Review
Human review teams investigate flagged transactions and accounts
Regulatory Compliance
We comply with AML, KYC, sanctions screening, and applicable data protection regulations. Payment processing is carried out by licensed third-party payment processors; Payoup does not process payments itself.
Law Enforcement Cooperation
We cooperate with legitimate law enforcement requests
Third-Party Screening
Accounts are screened against sanctions and watchlists. OpenAI is utilised as a third-party AI provider for content classification. Didit is used for KYC/identity verification.
9. Violation Consequences
Violations of this Acceptable Use Policy may result in:
Warning
Initial violations may receive a warning and education
Transaction Holds
Suspicious transactions may be held pending review
Account Suspension
Temporary suspension while violations are investigated
Account Termination
Permanent account closure for serious or repeated violations
Legal Action
Referral to law enforcement for illegal activities
Financial Penalties
Fees, chargebacks, or direct recovery may apply for violation-related costs. Payoup may offset such amounts against amounts otherwise payable by Payoup to the Service Provider under the applicable commercial relationship, in accordance with the Platform Services Agreement.
10. Reporting Violations
Help us maintain a safe platform by reporting violations:
11. Policy Updates
Payoup may update this Acceptable Use Policy as needed to: