What products and services can be sold through Commet.
Commet acts as Merchant of Record for transactions processed through Commet-managed payment connections. This policy defines which products we can support on that payment rail. Customer-owned payment connections remain subject to their provider's own rules and do not make a product eligible for Commet-managed processing.
Have questions about your specific use case? Contact our support team before starting your integration.
Every product sold through Commet-managed processing must:
Ordinary customer support does not make an automated digital product a human-delivered service.
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.
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.
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.
These categories are not confirmed policy violations. They require a person to verify the identified fact before approval.
Pre-orders and paid waitlists require evidence of a defined digital product, delivery schedule, refund terms, and a credible history or plan for fulfillment.
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.
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.
Software used by professionals remains allowed when the customer buys the software rather than the professional's work.
Software that only analyzes information or provides operational tools does not become a financial service unless it executes, controls, intermediates, or advises on the regulated activity. Credits usable only for the seller's own software are not third-party stored value.
Generating content, analyzing marketing data, or scheduling approved posts is not prohibited by itself.
Viewer ratings, mature themes, romance, adult situations, or genre labels do not establish prohibited adult content by themselves.
This policy incorporates applicable payment-provider requirements, including Stripe's prohibited and restricted businesses and dLocal's restricted and prohibited activities. Provider approval for a restricted category must be documented in writing; an internal Commet approval cannot replace it.
The lists above are representative rather than exhaustive. Commet may review, suspend, or stop processing when new evidence shows illegal, misleading, unsupported, or materially different activity.
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