1. General requirements
Use the service only for the business, products, locations and payment flows approved for your account. A technically successful transaction is not approval of the underlying activity. A lawful business may still require underwriting or may be unsupported by a bank or payment network.
Where a law or binding network requirement is stricter than this policy, the stricter applicable requirement governs. Written approval cannot authorise unlawful conduct or override a prohibition imposed by the relevant regulator or payment partner.
2. Financial crime, deception and exploitation
Do not use the service for fraud, money laundering, terrorist financing, sanctions evasion, stolen funds, impersonation, forged documentation or concealment of beneficial ownership. Do not split or disguise transactions to avoid screening, reporting, limits or fees.
Prohibited activity includes scams, Ponzi or pyramid schemes, deceptive investment returns, unlawful debt collection, trafficking or exploitation of people, child sexual abuse material, and transactions involving unlawful threats or extortion. Do not knowingly facilitate another person’s prohibited activity.
3. Illegal or infringing goods and content
Do not process payments for goods or services prohibited by applicable law, including illegal drugs, stolen property, counterfeit products or unlawful weapons. Do not infringe intellectual property, privacy or other protected rights, or sell unlawfully obtained personal information or payment credentials.
Do not distribute malicious software, provide services intended for unauthorised access, or facilitate unlawful surveillance. A merchant is responsible for the legality of its products in each market it serves and for required age, licence and delivery restrictions.
4. Activities requiring prior written approval
The following activities require specific written underwriting approval before any processing, where they can lawfully be supported: gambling, betting and prize-based games; adult goods or content; regulated medicines and healthcare products; weapons or controlled goods; and tobacco, vaping or other age-restricted products.
Financial and value-transfer activities also require specific approval: money transmission, remittances, foreign exchange, cryptocurrency or other virtual-asset services, securities and investment services, lending, crowdfunding, charities collecting for third parties, stored value, gift value and cash-equivalent products.
Marketplaces, payment facilitators, aggregation or collection for other sellers require an approved model identifying the underlying sellers and allocation of obligations. High-exposure advance sales, travel, ticketing and materially deferred delivery may require additional underwriting. Approval is limited to the named activity and conditions, may require licences and partner consent, and is not a regulatory endorsement.
5. Payment integrity and customer treatment
Do not launder transactions for another seller, misstate your merchant category, use misleading billing descriptors, test stolen cards, manufacture sales to obtain credit or rewards, or turn purchases into disguised cash advances. Do not circumvent a suspension by using another account.
Do not conceal recurring charges, use misleading free trials, submit payments without authority, or obstruct lawful cancellation and refunds. Refunds must relate to genuine original transactions and use approved channels. Do not manipulate disputes or submit fabricated fulfilment evidence.
6. Platform, API and sandbox security
Do not attempt unauthorised access, credential stuffing, card enumeration, denial-of-service activity, rate-limit evasion or extraction of another user’s information. Do not upload malicious files, disclose secrets, disable safeguards or conduct disruptive testing without prior written authorisation.
Use only synthetic or approved test information in sandbox environments. Never submit real card credentials, live customer identity documents or production secrets as test data. A security report does not authorise exploitation, persistence, data extraction or public disclosure of confidential information.
7. Monitoring, cooperation and evidence
We may review activity and request proportionate evidence of identity, licensing, customer authority, supply, delivery or source of funds where necessary for compliance and risk management. Respond accurately within reasonable or legally required deadlines and preserve relevant records.
Report suspected abuse or security weaknesses to info@laconnet.com with sufficient non-sensitive information for investigation. Do not email full card details or credentials. We may be unable to disclose screening methods or investigation details where doing so would prejudice security or breach law.
8. Enforcement and review
Where reasonably necessary, we may decline affected transactions, restrict capabilities, suspend or terminate access, require remediation, or make lawful reports to payment partners or authorities. Holds, reserves, recovery of documented costs and release of funds remain subject to the merchant agreement and law. A suspected breach does not automatically authorise confiscation or an arbitrary penalty.
Urgent action may occur without advance notice where required to protect customers, funds or systems, or comply with law. Otherwise, we provide appropriate notice and an opportunity to address a remediable issue where practicable. You may request review and submit supporting evidence to info@laconnet.com. A review cannot override a binding legal restriction and does not limit statutory complaint rights.
9. Changes and continuing obligations
Material changes are communicated as required by the applicable agreement and law. A new legal, sanctions or payment network restriction may require immediate action. Merchants must stop affected processing and seek clarification when their business changes or approval conditions are no longer met.
Suspension or closure does not remove responsibility for earlier transactions, valid refunds, disputes, accrued obligations, confidentiality or lawful record retention.