Overview
SRCheckFlow cannot provide eCheck processing services to businesses in certain industries or those engaged in high-risk activities. This policy is designed to protect our platform, our merchants, and all users from fraud, legal compliance issues, and reputational risks.
Prohibited Business Categories
SRCheckFlow strictly prohibits eCheck processing for the following business types:
Illegal Activities
- Drug manufacturing or distribution
- Weapons manufacturing or illegal arms sales
- Counterfeiting or forgery
- Money laundering or fraud schemes
- Human trafficking or exploitation
Adult Content & Services
- Pornography or adult entertainment sites
- Escort services or sexual services
- Online dating sites with adult content
Gambling & Gaming
- Online casinos or gambling platforms
- Sports betting operations
- Fantasy sports with cash prizes
- Unlicensed gaming operations
Financial & Investment
- Pyramid schemes or multi-level marketing (MLM)
- Forex trading platforms
- Cryptocurrency exchanges (without proper licensing)
- Securities trading without proper registration
- Unlicensed lending or payday loans
Tobacco & Alcohol
- Illegal tobacco sales or counterfeit cigarettes
- Unlicensed alcohol distribution
- Sale of alcohol to minors
Healthcare & Pharmaceuticals
- Sale of prescription medications without verification
- Counterfeit pharmaceutical sales
- Unlicensed medical practices
- Sale of controlled substances
Intellectual Property Violations
- Counterfeit goods sales
- Pirated software or digital media
- Copyright or trademark infringement
Fraud & Scams
- Phishing or identity theft operations
- Advance fee schemes
- Redemption schemes or other fraudulent activities
- Misleading business practices
Hate & Violence
- Sales of weapons or materials promoting violence
- Hate speech or materials promoting discrimination
- Extremist content or materials
Environmental & Wildlife
- Illegal wildlife trafficking
- Endangered species products
- Environmental regulation violations
Restricted Business Categories
The following businesses may be accepted, but require additional verification and are subject to enhanced monitoring:
- Licensed cannabis dispensaries (in legal jurisdictions only)
- Online lenders (must be licensed and compliant)
- Cryptocurrency exchanges (must be properly registered)
- Insurance companies (must provide license information)
- Collections agencies (must provide compliance documentation)
- Virtual private network (VPN) providers
- Payment processing services
High-Risk Activities
Additionally, even for otherwise legitimate businesses, SRCheckFlow prohibits eCheck processing for:
- Transactions involving sanctioned countries or individuals
- Transactions involving politically exposed persons (PEPs)
- Unusual transaction patterns suggesting money laundering
- Transactions related to financing terrorism
- Structuring transactions to avoid reporting thresholds
- Transactions where customer identity cannot be verified
Application Review & Appeals
If your business falls into a restricted category, you may still apply for SRCheckFlow services. Your application will undergo a thorough review process including:
- Verification of business licenses and registrations
- Review of business practices and compliance history
- Assessment of transaction risk levels
- Potential site visit or additional documentation requests
If your application is denied, you may submit an appeal with additional documentation. Appeals will be reviewed by our compliance team within 30 days.
Policy Changes
SRCheckFlow reserves the right to modify this list at any time to comply with regulatory requirements or to protect the platform from fraud and illegal activities. Any updates will be communicated to affected merchants.
Questions or Concerns
If you have questions about whether your business is permitted to use SRCheckFlow services:
Email: compliance@srcheckflow.com
Phone: +1-800-982-9999