{
  "meta": {
    "title": "High-Risk Acceptance Index",
    "description": "Public acceptable-use / prohibited-business policy stances of payment providers across high-risk verticals. Reflects published policies, not individual underwriting decisions.",
    "last_verified": "2026-07-17",
    "review_cadence": "quarterly",
    "provider_count": 18,
    "verticals": ["igaming", "forex_cfd", "crypto", "adult", "nutra", "cbd", "marketplace"],
    "vertical_labels": {
      "igaming": "iGaming / betting",
      "forex_cfd": "Forex / CFD",
      "crypto": "Crypto / VASP",
      "adult": "Adult",
      "nutra": "Nutra",
      "cbd": "CBD",
      "marketplace": "Marketplace"
    },
    "accepts_claim_verticals": ["igaming", "forex_cfd", "crypto"],
    "stance_values": ["prohibited", "restricted", "allowed", "not_published"],
    "stance_labels": {
      "prohibited": "Prohibited",
      "restricted": "Restricted (approval / conditions)",
      "allowed": "Allowed",
      "not_published": "Not published"
    },
    "disclaimer": "Reflects providers' published acceptable-use and prohibited-business policies as read on the verified date, not individual underwriting decisions. A provider may decline within an allowed category, or approve an exception. Cells marked indicative were confirmed via a republished acquirer policy, not the provider's own domain."
  },
  "providers": [
    {
      "name": "Stripe",
      "type": "PSP",
      "hq": "United States",
      "regions": ["global"],
      "wikipedia_sameas": "https://en.wikipedia.org/wiki/Stripe,_Inc.",
      "source_reliability": "first_party",
      "policies": {
        "igaming":     { "stance": "prohibited", "note": "Games of chance including gambling and casino games", "source_url": "https://stripe.com/legal/restricted-businesses", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "not_published", "note": "Forex / CFD trading not named on the policy; related categories: investment and brokerage services restricted, funded prop trading prohibited", "source_url": "https://stripe.com/legal/restricted-businesses", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "restricted", "note": "Cryptocurrency businesses restricted, prior approval required", "source_url": "https://stripe.com/legal/restricted-businesses", "verified_date": "2026-07-17" },
        "adult":       { "stance": "prohibited", "note": "Pornography and most sexually oriented services", "source_url": "https://stripe.com/legal/restricted-businesses", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "prohibited", "note": "Unsafe pseudo-pharmaceuticals and some nutraceuticals", "source_url": "https://stripe.com/legal/restricted-businesses", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "restricted", "note": "CBD with negligible THC allowed under conditions; cannabis prohibited", "source_url": "https://stripe.com/legal/restricted-businesses", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "restricted", "note": "Payment facilitation and aggregation restricted", "source_url": "https://stripe.com/legal/restricted-businesses", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "Adyen",
      "type": "acquirer",
      "hq": "Netherlands",
      "regions": ["global"],
      "wikipedia_sameas": "https://en.wikipedia.org/wiki/Adyen",
      "source_reliability": "first_party",
      "policies": {
        "igaming":     { "stance": "restricted", "note": "Licensed gambling supported for direct merchants with approval", "source_url": "https://www.adyen.com/legal/list-restricted-prohibited", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "restricted", "note": "Regulated forex / CFD supported with approval", "source_url": "https://www.adyen.com/legal/list-restricted-prohibited", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "restricted", "note": "Crypto services supported with approval and licensing", "source_url": "https://www.adyen.com/legal/list-restricted-prohibited", "verified_date": "2026-07-17" },
        "adult":       { "stance": "prohibited", "note": "Adult content prohibited", "source_url": "https://www.adyen.com/legal/list-restricted-prohibited", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "restricted", "note": "Supplements restricted, subject to claims review", "source_url": "https://www.adyen.com/legal/list-restricted-prohibited", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "restricted", "note": "CBD restricted by jurisdiction", "source_url": "https://www.adyen.com/legal/list-restricted-prohibited", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "restricted", "note": "Platform / marketplace flows supported with review", "source_url": "https://www.adyen.com/legal/list-restricted-prohibited", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "Checkout.com",
      "type": "PSP",
      "hq": "United Kingdom",
      "regions": ["global"],
      "wikipedia_sameas": "https://en.wikipedia.org/wiki/Checkout.com",
      "source_reliability": "first_party",
      "policies": {
        "igaming":     { "stance": "prohibited", "note": "Gambling prohibited on the unregulated-platform AUP", "source_url": "https://www.checkout.com/legal/unregulated-platform-aup", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "prohibited", "note": "Forex / CFD trading prohibited", "source_url": "https://www.checkout.com/legal/unregulated-platform-aup", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "prohibited", "note": "Crypto prohibited on the unregulated-platform AUP", "source_url": "https://www.checkout.com/legal/unregulated-platform-aup", "verified_date": "2026-07-17" },
        "adult":       { "stance": "prohibited", "note": "Adult content prohibited", "source_url": "https://www.checkout.com/legal/unregulated-platform-aup", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "restricted", "note": "Supplements restricted by MCC and claims", "source_url": "https://www.checkout.com/legal/unregulated-platform-aup", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "restricted", "note": "CBD restricted by jurisdiction", "source_url": "https://www.checkout.com/legal/unregulated-platform-aup", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "restricted", "note": "Marketplace flows restricted", "source_url": "https://www.checkout.com/legal/unregulated-platform-aup", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "Worldpay",
      "type": "acquirer",
      "hq": "United States",
      "regions": ["global"],
      "wikipedia_sameas": "https://en.wikipedia.org/wiki/Worldpay",
      "source_reliability": "mirror_indicative",
      "policies": {
        "igaming":     { "stance": "prohibited", "note": "Unlicensed gambling prohibited; licensed gaming handled under a dedicated programme", "source_url": "https://docs.klarna.com/acquirer/worldpay/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "prohibited", "note": "Forex / CFD prohibited", "source_url": "https://docs.klarna.com/acquirer/worldpay/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "restricted", "note": "Crypto restricted, licensing required", "source_url": "https://docs.klarna.com/acquirer/worldpay/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "adult":       { "stance": "prohibited", "note": "Adult content prohibited", "source_url": "https://docs.klarna.com/acquirer/worldpay/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://docs.klarna.com/acquirer/worldpay/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "restricted", "note": "CBD restricted; prohibited in the EU", "source_url": "https://docs.klarna.com/acquirer/worldpay/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "restricted", "note": "Marketplace flows restricted", "source_url": "https://docs.klarna.com/acquirer/worldpay/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "Nuvei",
      "type": "acquirer",
      "hq": "Canada",
      "regions": ["global"],
      "wikipedia_sameas": "https://en.wikipedia.org/wiki/Nuvei",
      "source_reliability": "mirror_indicative",
      "policies": {
        "igaming":     { "stance": "prohibited", "note": "Prohibited on the republished acquirer list; independent sources indicate Nuvei supports licensed gaming on its own rails, so treat as indicative", "source_url": "https://docs.klarna.com/acquirer/nuvei/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "prohibited", "note": "Forex / CFD prohibited on the verified list", "source_url": "https://docs.klarna.com/acquirer/nuvei/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "restricted", "note": "Crypto restricted, licensing required", "source_url": "https://docs.klarna.com/acquirer/nuvei/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "adult":       { "stance": "prohibited", "note": "Adult content prohibited", "source_url": "https://docs.klarna.com/acquirer/nuvei/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://docs.klarna.com/acquirer/nuvei/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "prohibited", "note": "CBD prohibited in the EU on the verified list", "source_url": "https://docs.klarna.com/acquirer/nuvei/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "restricted", "note": "Marketplace flows restricted", "source_url": "https://docs.klarna.com/acquirer/nuvei/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "Airwallex",
      "type": "EMI",
      "hq": "Australia / Singapore",
      "regions": ["global"],
      "wikipedia_sameas": "https://en.wikipedia.org/wiki/Airwallex",
      "source_reliability": "first_party",
      "policies": {
        "igaming":     { "stance": "prohibited", "note": "Gambling listed under unsupported industries", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4410623274905-Unsupported-Industries", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "not_published", "note": "Not enumerated on the unsupported-industries list", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4410623274905-Unsupported-Industries", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "not_published", "note": "Not enumerated on the unsupported-industries list", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4410623274905-Unsupported-Industries", "verified_date": "2026-07-17" },
        "adult":       { "stance": "prohibited", "note": "Adult content listed under unsupported industries", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4410623274905-Unsupported-Industries", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "not_published", "note": "Not enumerated on the list", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4410623274905-Unsupported-Industries", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "not_published", "note": "Not enumerated on the list", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4410623274905-Unsupported-Industries", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "not_published", "note": "Not enumerated on the list", "source_url": "https://help.airwallex.com/hc/en-gb/articles/4410623274905-Unsupported-Industries", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "Wise Business",
      "type": "EMI",
      "hq": "United Kingdom",
      "regions": ["global"],
      "wikipedia_sameas": "https://en.wikipedia.org/wiki/Wise_(company)",
      "source_reliability": "first_party",
      "policies": {
        "igaming":     { "stance": "prohibited", "note": "Gambling prohibited under the acceptable use policy", "source_url": "https://wise.com/gb/legal/acceptable-use-policy", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "prohibited", "note": "Forex / CFD and binary options prohibited", "source_url": "https://wise.com/gb/legal/acceptable-use-policy", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "prohibited", "note": "Crypto exchange / trading businesses prohibited", "source_url": "https://wise.com/gb/legal/acceptable-use-policy", "verified_date": "2026-07-17" },
        "adult":       { "stance": "prohibited", "note": "Adult content prohibited", "source_url": "https://wise.com/gb/legal/acceptable-use-policy", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "prohibited", "note": "Pseudo-pharmaceuticals prohibited", "source_url": "https://wise.com/gb/legal/acceptable-use-policy", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "prohibited", "note": "Cannabis / CBD prohibited", "source_url": "https://wise.com/gb/legal/acceptable-use-policy", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "restricted", "note": "Third-party payment aggregation unsupported; some marketplaces restricted by region", "source_url": "https://wise.com/gb/legal/acceptable-use-policy", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "Mollie",
      "type": "PSP",
      "hq": "Netherlands",
      "regions": ["Europe"],
      "wikipedia_sameas": "https://en.wikipedia.org/wiki/Mollie_(company)",
      "source_reliability": "first_party",
      "policies": {
        "igaming":     { "stance": "restricted", "note": "Licensed gambling supported with approval", "source_url": "https://docs.klarna.com/acquirer/mollie/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "prohibited", "note": "Forex / CFD prohibited", "source_url": "https://docs.klarna.com/acquirer/mollie/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "restricted", "note": "Crypto restricted, licensing required", "source_url": "https://docs.klarna.com/acquirer/mollie/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "adult":       { "stance": "restricted", "note": "Adult restricted by category", "source_url": "https://docs.klarna.com/acquirer/mollie/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://docs.klarna.com/acquirer/mollie/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "restricted", "note": "CBD restricted; prohibited in parts of the EU", "source_url": "https://docs.klarna.com/acquirer/mollie/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "restricted", "note": "Marketplace / platform flows restricted", "source_url": "https://docs.klarna.com/acquirer/mollie/prohibited-and-restricted-businesses/", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "GoCardless",
      "type": "PSP",
      "hq": "United Kingdom",
      "regions": ["global"],
      "wikipedia_sameas": "https://en.wikipedia.org/wiki/GoCardless",
      "source_reliability": "first_party",
      "policies": {
        "igaming":     { "stance": "prohibited", "note": "Gambling prohibited under restrictions", "source_url": "https://gocardless.com/legal/restrictions/", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "prohibited", "note": "Forex / CFD and speculative trading prohibited", "source_url": "https://gocardless.com/legal/restrictions/", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "prohibited", "note": "Crypto prohibited under restrictions", "source_url": "https://gocardless.com/legal/restrictions/", "verified_date": "2026-07-17" },
        "adult":       { "stance": "prohibited", "note": "Adult content prohibited", "source_url": "https://gocardless.com/legal/restrictions/", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "prohibited", "note": "Pseudo-pharmaceuticals prohibited", "source_url": "https://gocardless.com/legal/restrictions/", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "prohibited", "note": "Cannabis / CBD prohibited", "source_url": "https://gocardless.com/legal/restrictions/", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://gocardless.com/legal/restrictions/", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "Rapyd",
      "type": "PSP",
      "hq": "United Kingdom / Israel",
      "regions": ["global"],
      "wikipedia_sameas": "https://en.wikipedia.org/wiki/Rapyd",
      "source_reliability": "first_party",
      "policies": {
        "igaming":     { "stance": "prohibited", "note": "Gambling on the restricted-businesses list", "source_url": "https://www.rapyd.net/security-compliance/restricted-businesses/", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "prohibited", "note": "Forex / CFD prohibited", "source_url": "https://www.rapyd.net/security-compliance/restricted-businesses/", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "prohibited", "note": "Crypto on the restricted-businesses list", "source_url": "https://www.rapyd.net/security-compliance/restricted-businesses/", "verified_date": "2026-07-17" },
        "adult":       { "stance": "prohibited", "note": "Adult content prohibited", "source_url": "https://www.rapyd.net/security-compliance/restricted-businesses/", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "prohibited", "note": "Pseudo-pharmaceuticals prohibited", "source_url": "https://www.rapyd.net/security-compliance/restricted-businesses/", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "restricted", "note": "CBD restricted by jurisdiction", "source_url": "https://www.rapyd.net/security-compliance/restricted-businesses/", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "restricted", "note": "Marketplace flows restricted", "source_url": "https://www.rapyd.net/security-compliance/restricted-businesses/", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "dLocal",
      "type": "PSP",
      "hq": "Uruguay",
      "regions": ["LATAM", "Africa", "Asia"],
      "wikipedia_sameas": "https://en.wikipedia.org/wiki/DLocal",
      "source_reliability": "first_party",
      "policies": {
        "igaming":     { "stance": "prohibited", "note": "Gambling prohibited on the dLocal Go terms annex", "source_url": "https://dlocalgo.com/en/terms-and-conditions", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "prohibited", "note": "Forex / CFD prohibited", "source_url": "https://dlocalgo.com/en/terms-and-conditions", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "restricted", "note": "Crypto restricted, licensing required", "source_url": "https://dlocalgo.com/en/terms-and-conditions", "verified_date": "2026-07-17" },
        "adult":       { "stance": "prohibited", "note": "Adult content prohibited", "source_url": "https://dlocalgo.com/en/terms-and-conditions", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "restricted", "note": "Supplements restricted", "source_url": "https://dlocalgo.com/en/terms-and-conditions", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "prohibited", "note": "Cannabis / CBD prohibited", "source_url": "https://dlocalgo.com/en/terms-and-conditions", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://dlocalgo.com/en/terms-and-conditions", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "Paystack",
      "type": "PSP",
      "hq": "Nigeria",
      "regions": ["Africa"],
      "wikipedia_sameas": "https://en.wikipedia.org/wiki/Paystack",
      "source_reliability": "first_party",
      "policies": {
        "igaming":     { "stance": "restricted", "note": "Gambling / betting supported in some markets with approval and licensing", "source_url": "https://support.paystack.com/en/articles/2127042", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "prohibited", "note": "Forex / CFD prohibited", "source_url": "https://support.paystack.com/en/articles/2127042", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "prohibited", "note": "Crypto prohibited", "source_url": "https://support.paystack.com/en/articles/2127042", "verified_date": "2026-07-17" },
        "adult":       { "stance": "prohibited", "note": "Adult content prohibited", "source_url": "https://support.paystack.com/en/articles/2127042", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "prohibited", "note": "Unregulated supplements prohibited", "source_url": "https://support.paystack.com/en/articles/2127042", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "prohibited", "note": "Cannabis / CBD prohibited", "source_url": "https://support.paystack.com/en/articles/2127042", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://support.paystack.com/en/articles/2127042", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "Flutterwave",
      "type": "PSP",
      "hq": "Nigeria / United States",
      "regions": ["Africa"],
      "wikipedia_sameas": "https://en.wikipedia.org/wiki/Flutterwave",
      "source_reliability": "first_party",
      "policies": {
        "igaming":     { "stance": "prohibited", "note": "Gambling on the prohibited-businesses list", "source_url": "https://flutterwave.com/ng/support/my-account/businesses-and-services-prohibited-by-flutterwave", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://flutterwave.com/ng/support/my-account/businesses-and-services-prohibited-by-flutterwave", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "prohibited", "note": "Crypto on the prohibited-businesses list", "source_url": "https://flutterwave.com/ng/support/my-account/businesses-and-services-prohibited-by-flutterwave", "verified_date": "2026-07-17" },
        "adult":       { "stance": "prohibited", "note": "Adult content prohibited", "source_url": "https://flutterwave.com/ng/support/my-account/businesses-and-services-prohibited-by-flutterwave", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "prohibited", "note": "Unregulated supplements prohibited", "source_url": "https://flutterwave.com/ng/support/my-account/businesses-and-services-prohibited-by-flutterwave", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "prohibited", "note": "Cannabis / CBD prohibited", "source_url": "https://flutterwave.com/ng/support/my-account/businesses-and-services-prohibited-by-flutterwave", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "prohibited", "note": "Pyramid / MLM schemes prohibited", "source_url": "https://flutterwave.com/ng/support/my-account/businesses-and-services-prohibited-by-flutterwave", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "Xendit",
      "type": "PSP",
      "hq": "Indonesia / Singapore",
      "regions": ["Asia"],
      "wikipedia_sameas": null,
      "source_reliability": "first_party",
      "policies": {
        "igaming":     { "stance": "prohibited", "note": "Gambling prohibited under the terms", "source_url": "https://www.xendit.co/en/terms-and-conditions/", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://www.xendit.co/en/terms-and-conditions/", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "prohibited", "note": "Crypto prohibited under the terms", "source_url": "https://www.xendit.co/en/terms-and-conditions/", "verified_date": "2026-07-17" },
        "adult":       { "stance": "prohibited", "note": "Adult content prohibited", "source_url": "https://www.xendit.co/en/terms-and-conditions/", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://www.xendit.co/en/terms-and-conditions/", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "prohibited", "note": "Cannabis / CBD prohibited", "source_url": "https://www.xendit.co/en/terms-and-conditions/", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "allowed", "note": "Marketplace / platform flows supported via xenPlatform", "source_url": "https://www.xendit.co/en/terms-and-conditions/", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "Midtrans",
      "type": "PSP",
      "hq": "Indonesia",
      "regions": ["Asia"],
      "wikipedia_sameas": null,
      "source_reliability": "first_party",
      "policies": {
        "igaming":     { "stance": "prohibited", "note": "Gambling on the prohibited-business list", "source_url": "https://docs.midtrans.com/docs/can-all-types-of-businesses-accept-payments-through-midtrans", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://docs.midtrans.com/docs/can-all-types-of-businesses-accept-payments-through-midtrans", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://docs.midtrans.com/docs/can-all-types-of-businesses-accept-payments-through-midtrans", "verified_date": "2026-07-17" },
        "adult":       { "stance": "prohibited", "note": "Adult content prohibited", "source_url": "https://docs.midtrans.com/docs/can-all-types-of-businesses-accept-payments-through-midtrans", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://docs.midtrans.com/docs/can-all-types-of-businesses-accept-payments-through-midtrans", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "prohibited", "note": "Cannabis / CBD prohibited", "source_url": "https://docs.midtrans.com/docs/can-all-types-of-businesses-accept-payments-through-midtrans", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://docs.midtrans.com/docs/can-all-types-of-businesses-accept-payments-through-midtrans", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "PayMongo",
      "type": "PSP",
      "hq": "Philippines",
      "regions": ["Asia"],
      "wikipedia_sameas": null,
      "source_reliability": "first_party",
      "policies": {
        "igaming":     { "stance": "prohibited", "note": "Gambling on the prohibited-businesses list", "source_url": "https://www.paymongo.com/prohibited-businesses", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "not_published", "note": "Forex not enumerated; securities services restricted", "source_url": "https://www.paymongo.com/restricted-businesses", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://www.paymongo.com/prohibited-businesses", "verified_date": "2026-07-17" },
        "adult":       { "stance": "prohibited", "note": "Adult content prohibited", "source_url": "https://www.paymongo.com/prohibited-businesses", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "prohibited", "note": "Unregulated supplements prohibited", "source_url": "https://www.paymongo.com/prohibited-businesses", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "prohibited", "note": "Cannabis / CBD prohibited", "source_url": "https://www.paymongo.com/prohibited-businesses", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://www.paymongo.com/prohibited-businesses", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "NOWPayments",
      "type": "crypto-specialist",
      "hq": "Estonia",
      "regions": ["global"],
      "wikipedia_sameas": null,
      "source_reliability": "first_party",
      "policies": {
        "igaming":     { "stance": "allowed", "note": "Not prohibited; markets crypto acceptance to gaming and casino operators", "source_url": "https://sandbox.nowpayments.io/doc/tos.pdf", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "not_published", "note": "Not enumerated in the terms", "source_url": "https://sandbox.nowpayments.io/doc/tos.pdf", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "allowed", "note": "Crypto acceptance is the core product", "source_url": "https://sandbox.nowpayments.io/doc/tos.pdf", "verified_date": "2026-07-17" },
        "adult":       { "stance": "restricted", "note": "Adult allowed with limits; escort services prohibited", "source_url": "https://sandbox.nowpayments.io/doc/tos.pdf", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "not_published", "note": "Not enumerated in the terms", "source_url": "https://sandbox.nowpayments.io/doc/tos.pdf", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "not_published", "note": "Not enumerated in the terms", "source_url": "https://sandbox.nowpayments.io/doc/tos.pdf", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "not_published", "note": "Not enumerated in the terms", "source_url": "https://sandbox.nowpayments.io/doc/tos.pdf", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "BitPay",
      "type": "crypto-specialist",
      "hq": "United States",
      "regions": ["global"],
      "wikipedia_sameas": "https://en.wikipedia.org/wiki/BitPay",
      "source_reliability": "first_party",
      "policies": {
        "igaming":     { "stance": "prohibited", "note": "Gambling prohibited under the terms of use", "source_url": "https://bitpay.com/legal/terms-of-use/", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "prohibited", "note": "Derivatives / speculative trading prohibited", "source_url": "https://bitpay.com/legal/terms-of-use/", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "restricted", "note": "Crypto settlement supported with compliance conditions", "source_url": "https://bitpay.com/legal/terms-of-use/", "verified_date": "2026-07-17" },
        "adult":       { "stance": "prohibited", "note": "Adult content prohibited", "source_url": "https://bitpay.com/legal/terms-of-use/", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://bitpay.com/legal/terms-of-use/", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "prohibited", "note": "Cannabis / CBD prohibited", "source_url": "https://bitpay.com/legal/terms-of-use/", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "not_published", "note": "Not enumerated on the verified page", "source_url": "https://bitpay.com/legal/terms-of-use/", "verified_date": "2026-07-17" }
      }
    },
    {
      "name": "Boldrails",
      "type": "licensed-principal",
      "hq": "—",
      "regions": ["LATAM", "Africa", "Asia", "MENA", "Australia"],
      "wikipedia_sameas": null,
      "source_reliability": "first_party",
      "is_self": true,
      "policies": {
        "igaming":     { "stance": "allowed", "note": "Licensed iGaming operators accepted as a principal", "source_url": "https://boldrails.com/resources/acceptance-index", "verified_date": "2026-07-17" },
        "forex_cfd":   { "stance": "allowed", "note": "Forex / CFD brokers accepted as a principal", "source_url": "https://boldrails.com/resources/acceptance-index", "verified_date": "2026-07-17" },
        "crypto":      { "stance": "allowed", "note": "Crypto operators accepted; settlement via OTC and dashboard, not a crypto API", "source_url": "https://boldrails.com/resources/acceptance-index", "verified_date": "2026-07-17" },
        "adult":       { "stance": "not_published", "note": "No published acceptance claim", "source_url": "https://boldrails.com/resources/acceptance-index", "verified_date": "2026-07-17" },
        "nutra":       { "stance": "not_published", "note": "No published acceptance claim", "source_url": "https://boldrails.com/resources/acceptance-index", "verified_date": "2026-07-17" },
        "cbd":         { "stance": "not_published", "note": "No published acceptance claim", "source_url": "https://boldrails.com/resources/acceptance-index", "verified_date": "2026-07-17" },
        "marketplace": { "stance": "not_published", "note": "No published acceptance claim", "source_url": "https://boldrails.com/resources/acceptance-index", "verified_date": "2026-07-17" }
      }
    }
  ]
}