Have questions about your specific use case? Contact our support team before starting your integration.
Basic eligibility requirements
Every product sold through Commet-managed processing must:- Be lawful, transparent, and consistent with payment-provider requirements
- Be sold directly by the business that owns or holds the rights required to distribute it
- Be a working digital product delivered automatically or with minimal human involvement
- Match the product, pricing, ownership, and fulfillment described in the merchant’s submission and website
Allowed categories
Software, SaaS, and automated digital services
Mobile apps, desktop software, SaaS, AIaaS, developer tools, hosting, analytics, dashboards, website information services, and other electronically supplied services are allowed when the product is standardized and automatically delivered. This includes SEO and marketing software for analytics, diagnostics, content planning, approval, or scheduled publishing. Serving a financial, medical, or other regulated industry does not by itself turn software into the regulated activity. The software must not perform any prohibited activity listed below.Digital content and downloads
Code repositories, templates, eBooks, PDFs, magazines, newsletters, icons, fonts, design resources, photos, videos, audio files, video games, and owned digital directories or information databases are allowed when the seller holds the necessary rights.Premium access and self-service education
Subscription content, gated digital experiences, private repositories, community access, and self-service online courses are allowed when access and fulfillment are automated. Live one-to-one coaching and instructor-delivered services are not included.Categories requiring manual review
These categories are not confirmed policy violations. They require a person to verify the identified fact before approval.Pre-orders and paid waitlists
Pre-orders and paid waitlists require evidence of a defined digital product, delivery schedule, refund terms, and a credible history or plan for fulfillment.Unclear or incomplete business evidence
A business requires review when its submission and available website evidence do not establish what the customer buys, who owns it, whether fulfillment is automated, or whether the website describes the same offering. A collection problem alone is not a reason to deny the business.Products and business models Commet does not support
The categories below cannot use Commet-managed processing. Some are lawful businesses that fall outside our Merchant of Record product; others are prohibited by payment-provider, network, legal, or risk requirements.Physical goods, professional services, and live events
- Physical goods or anything requiring shipping or physical fulfillment
- Human-delivered professional services, including consulting, accounting, tax preparation, marketing, design, development, managed services, or tech support
- Live one-to-one coaching, instructor-delivered services, staffing, or recruitment services
- Tickets or access to live in-person events
Marketplaces, third-party sales, and advertising inventory
- Marketplaces, job boards, or creator platforms that collect payment for third-party sellers, workers, or creators
- Unauthorized resale or distribution, including software licenses and third-party game items or virtual currency
- Advertising placements sold in websites, email, or social media
- Payment facilitation, aggregation, or receiving settlement proceeds for products or services supplied by another merchant
Travel, donations, fundraising, dating, and file sharing
- Travel reservations, travel clubs, timeshares, charter travel, airlines, or cruises
- Donations, charitable contributions, fundraising, crowdfunding, raffles, or sweepstakes
- Dating and matchmaking platforms
- Cyberlockers and file-sharing services
Financial products, cryptocurrency, and stored value
- Investment strategies, trading signals, wealth management, tax advice sold as a service, brokerage, funded prop trading, or trading services
- Lending, bank-account funding, money transmission, remittances, currency exchange, escrow, neobanks, custody, or transaction facilitation
- Cryptocurrency exchanges, wallets, mining, staking, ICOs, NFT products, or secondary NFT sales
- Third-party gift cards, prepaid cards, monetary credits, stored value, or game currency
Regulated and age-restricted products or services
- Gambling, betting, lotteries, or wagering
- Weapons, firearms, or regulated weapon components
- Alcohol, tobacco, vaping products, cannabis, CBD, or illegal drugs
- Pharmaceuticals, online pharmacies, prescription products, regulated medical devices, telemedicine, unsafe nutraceuticals, medical advice, or weight-loss products making medical claims
- Any product or service requiring a license or regulatory approval that the business cannot document or that our provider does not support
Unsolicited marketing, deceptive engagement, and data abuse
- Automated unsolicited outreach or telemarketing
- Bulk SMS, WhatsApp, email, or other messaging that risks spam
- Automated mass submission, fake engagement, fake reviews, or traffic sales
- Selling, distributing, or scraping personal contact data without authorization
- Services that undermine user privacy or data security
Deceptive, abusive, or nonfunctional products
- Pyramid schemes, multi-level marketing, or get-rich-quick schemes
- Misleading identity, pricing, trial, testimonial, fulfillment, or earnings claims
- High-pressure or predatory sales practices
- Products that are nonfunctional, cannot deliver what is sold, or provide no meaningful value
- Document falsification, card testing, chargeback evasion, or transactions without a real product or service
Illegal activity and intellectual-property violations
- Products or services that violate laws in the business’s jurisdiction or target markets
- Counterfeit goods or infringement of copyright, trademarks, patents, privacy, or other third-party rights
- Products the seller does not own or have permission to distribute
- Services designed to breach or bypass another platform’s rules
- Products or services that exploit, endanger, or unlawfully target minors
Adult content and sexually oriented services
- Pornography or sexually explicit media designed for sexual gratification, including AI-generated content meeting those criteria
- Prostitution, escorts, sexual live chat, fetish services, or platforms primarily selling that content or those services
Malware, evasion tools, and unauthorized media
- Malware, spyware, viruses, suspicious remote-support tools, or privacy-invasive monitoring software
- Cheating tools, hacks, ban-bypass tools, IP or API cloaking, or services designed to evade enforcement
- IPTV or unauthorized streaming services
- eSIM or telecommunication services