中文 | ENG

ver. 3.6.19

Terms of Payment Service

  1. Definitions

    In these Terms of Payment Service, capitalised terms shall have the meaning ascribed to them in the Service Order (as defined below) signed between the Merchant and the Company, unless otherwise defined herein. The following terms have the following meanings:
    1. “Agreement” means the Terms of Merchant Services, the Terms and Conditions, the Privacy Policy and the terms and conditions of any Service Order (as defined below);
    2. “Working Day” means a day on which the majority banks in Hong Kong are open to the public;
    3. “Chargeback” means any disputed credit or debit card transaction that is returned to the relevant Payment Provider for reimbursement of the relevant Purchaser’s account;
    4. “Company” means any one of Openrice Limited and/or its affiliate(s));
    5. “e-Wallet” means online or mobile electronic payment facility or platform which enables its users to store monetary value therein from various funding sources or to link the relevant funding sources (including credit/debit card or bank account) thereto;
    6. “Intellectual Property” means any (i) copyright, patent, know-how, domain names, trademarks, trade names, service marks, brand names, corporate names, logos and designs and all associated goodwill; (ii) applications for registration and the right to apply for registration for any of the same; and (iii) all other intellectual property rights and equivalent or similar forms of protection existing anywhere in the world (including its application programming interfaces);
    7. “Payment” means the payment made or to be made by an user of an e-Wallet to the Merchant via Payment Service for the purposes of completing the relevant Transaction;
    8. “Payment Provider” means any third-party payment processing service provider engaged by the Company to process payments, to manage debit card, credit card and/or any e-Wallet information and to comply with the Payment Card Industry Data Security Standard.
    9. “Payment Service” means the Company’s grant of a non-exclusive, revocable, non-sublicensable and non-transferable right to use the software program, functionalities, processing and technologies of the Online Payment Module and/or the Spot Payment Module of the System together with the related services and materials which the Company makes available to the Merchant pursuant to the terms and conditions of the relevant Service Order;
    10. “Personal Data” means any data (a) relating directly or indirectly to a living individual; (b) from which it is practicable for the identity of the individual to be directly or indirectly ascertained; and (c) in a form in which access to or processing of the data is practicable;
    11. “PRC” means the People’s Republic of China (excluding Taiwan, Hong Kong and Macao);
    12. “Product(s)” means any and all goods, products, services and/or items that Merchant and/or the Participating Restaurant(s)/Outlet(s) makes available for sale to any person;
    13. “Purchaser” means any User of the Channel or any other person who makes payment via the Channel or any other media cooperated with the Company to enable the Merchant to collect cashless payments from the account of such User or any such other person through the Payment Service provided by the Company to the Merchant, in connection with any transaction of such User’s or such person’s purchase of the products and/or services provided by the Participating Restaurant(s)/Outlet(s) of the Merchant.
    14. “Service Order” means any contract, quotation, registration form or service order form signed between the Company and the Merchant pursuant to the terms of which services are made available to the Merchant by the Company.
    15. “Transaction” means sale and purchase transaction of Product(s) for payment between a Purchaser and the Merchant and/or the Participating Restaurant(s)/Outlet(s) through Payment Service;
    16. “Transaction Evidence” means such evidence as the Company and/or any relevant Payment Provider reasonably requires, including the names and prices of the Product(s) to which the Payment relates, together with relevant proof that the Products have been properly delivered or rendered to the Purchaser, and without limitation, video footage (e.g. CCTV), Transaction receipt and the name and contact information of the Purchaser who makes Payment for the Products; and
    17. “Unauthorized Payment” means any Payment that has not been authorized by the relevant Purchaser.
  2. Account Activation
    1. Alipay Payment Processing Service
      By using Payment Service for processing payments made by users of e-Wallet operated by Alipay.com Co., Ltd., Alipay Payment Services (HK) Limited or any of their affiliates in Hong Kong or PRC (“Alipay”) , the Merchant and its Participating Restaurant(s)/Outlet(s) are agreeing to be bound by these Terms of Payment Service and the terms and conditions of use of the Alipay payment processing service.
    2. Other Payment Processing Service
      By using Payment Service for processing payments made by users of any payment processing services provided by Payment Provider other than Alipay e-Wallet, the Merchant and its Participating Restaurant(s)/Outlet(s) are agreeing to be bound by these Terms of Payment Service and the terms and conditions of use of the relevant payment processing service provided by the related Payment provider .
  3. Fee & Bank Details
    1. In consideration for the Company’s provision of the Payment Service to the Merchant pursuant to the terms of the Agreement, the Merchant will pay the Company the Service Fee and other fees and/or charges as set out in the Agreement. The Company reserves the right to adjust the Service Fee at any time by prior written notice pursuant to the terms of the Agreement or upon request by the related Payment Provider.
    2. The Merchant shall bear all losses arising from any information relating to its bank account details as provided in the Service Order being incorrect.
  4. Risk Management
    1. The Merchant agrees that if the Company,and/or the relevant Payment Provider determines in its sole discretion that certain features of the Payment Service may be subject to high risk of Unauthorized Payments or fraudulent Transactions, the Company, and/or the relevant Payment Provider may suspend or terminate, with reasonable notice, the provision of such part of the Payment Service, including without limitation adjusting the types, issuing banks and payment limit (whether per Transaction or per day) of the credit card and/or debit card that Purchasers may use to complete the Transaction from time to time.
    2. The Merchant shall use its best efforts to promptly answer any Purchasers’ enquiries and resolve any disputes in relation to the goods and/or services provided by the Merchant or the Participating Restaurant(s)/Outlet(s).
    3. The Merchant shall be responsible for all costs and loss incurred by any disputes in relation to the goods and/or services provided by the Merchant and/or the Participating Restaurant(s)/Outlet(s) and any Unauthorized Payment if such Unauthorized Payment is caused by or due to the Merchant and/or the Participating Restaurant(s)/Outlet(s) default with respect to Transactions. In case if there is any of the aforesaid disputes, Merchant’s breach of any term of the Agreement, Unauthorized Payment or suspicious fraudulent Transaction or upon request by the related Payment Provider, the Merchant will comply with the following rules:
      1. Merchant shall provide the Transaction Evidence within 3 Working Days from the date on which the Company or the relevant Payment Provider makes such request.
      2. If (a) the Company and/or the relevant Payment Provider does not receive the Transaction Evidence, or (b) the Company and/or the relevant Payment Provider deems the Transaction Evidence to be inadequate, or (c) the Merchant accepts the Chargeback, or (d) the arbitration or pre-arbitration result is not in favor of the Merchant, or (e) in the case that the Merchant elects to proceed with the arbitration or the pre-arbitration (or equivalent procedure) to resolve the Chargeback and such arbitration or pre-arbitration (or equivalent procedure) determines that there is a Chargeback, the Chargeback amount or any amount regarding the Transaction in question will be deducted from the Settlement Amount (as defined in the Service Order) in the next settlement cycle; or upon request by the Company, the Merchant will repay or refund to the Company an amount equal to the sum which the Company settled to the Merchant’s designated bank account regarding the Transaction in question.
    4. The Merchant will provide to the Company within 3 Working Days from the date of any request by the Company for copies of (i) certificate of incorporation, (ii) articles of association or by-laws or memorandum and articles of association, (iii) annual return or certificate of incumbency, (iv) its ownership chart (with director’s signature showing beneficiary owners of 10% and above), (v) board resolution for authorization of the authorized account signatories, (vi) information of beneficiary owners, authorized account signatories and directors consisting of each of their HKID cards or passports and address proof, and (vii) any relevant information regarding the Transaction that the Company may reasonably request, in the event that (a) the Company reasonably suspects that the Merchant has violated any term of the Agreement or applicable laws and regulations, or (b) the information is required for investigation of any potential fraud; or (c) the Company requires the provision of any of the aforesaid information or document to comply with any applicable laws or terms of service of the relevant Payment Provider. The Merchant agrees that the Company shall have the right to provide the aforesaid information to the relevant Payment Provider as it deems necessary.
    5. The Company retains discretion to decline access to, suspend or terminate the provision of Payment Service to the Merchant and the Participating Restaurant(s)/Outlet(s) at any time and without incurring any liability to the Merchant.
    6. The Merchant authorizes the Company, directly or through third parties, to make any inquiries or take any actions which the Company considers necessary to validate the Merchant’s identity, evaluate the Merchant’s creditworthiness and verify information that the Merchant has provided to the Company.
    7. The Merchant undertakes to notify the Company in writing if it or its Participating Restaurant(s)/Outlet(s) has established any connection with any business, entity or person from any high risk countries, details as set out in Appendix I attached hereto (which may be updated and revised by the Company or the relevant payment service provider from time to time with advance notice.
  5. Refund
    1. If a Purchaser requests and is due a refund of Payment already made (“Refund”) in accordance with the Merchant’s policy or the Company’s policy or a Refund is required by any applicable laws and regulations in Hong Kong, the Company will in a timely manner to arrange such Refund to such Purchaser.
    2. The Merchant hereby agrees to reimburse the Company for each such Refund and for that purpose authorizes the Company to deduct the amount of each Refund from the Settlement Amount and return such Refund to the relevant Purchaser.
    3. If the amount of the Settlement Amount is insufficient to process the relevant Refund, the Merchant shall pay to the Company an amount sufficient to process the Refund within 2 Working Days of payment of the Settlement Amount once a Refund is deemed necessary before the Company can make the Refund to the relevant Purchaser. For the avoidance of doubt, neither the Company nor the Payment Provider shall be responsible for any claim or liability that the relevant Purchaser may seek from the Company, the Payment Provider or the Merchant in the event of any delay in processing such Refund.
    4. Any Refund is only effectuated through the System interface provided by the Company. Any alternative methods for the Refund are disallowed.
    5. The Company only accepts and processes any Refund instructions from the Merchant if the request for the Refund is made by the Merchant within 60 days from the date of the Transaction.
  6. Payment Policies
    1. The Merchant agrees that it will not transfer any Service Fee and any fees that it may be charged to the Purchasers in additional to what the Merchant would charge a customer for the relevant Transaction in its normal course of business.
    2. The Merchant agrees that it will not restrict its customers in any way from using the Payment Service as a payment method at checkout at any Participating Restaurant(s)/Outlet(s) or the related online platform as designated by the Merchant (as the case may be), including but not limited to requiring a minimum or maximum purchase amount from the any Purchaser using their e-Wallet to make Payments.
    3. The Merchant fully acknowledges that the Company must not provide Payment Service with respect to any Transaction which is prohibited by the Agreement (including Payments in relation to Prohibited Products as defined below), applicable laws and regulations or violates policies of the Company or the relevant Payment Provider, or which will result in the Company or the relevant Payment Provider being considered to have breached any applicable laws and regulations. The Merchant will provide the Company or the relevant Payment Provider information about the Products as reasonably requested by the Company, or the relevant Payment Provider from time to time. The Merchant will not sell any Products through the Payment Service that contain articles prohibited or restricted from being sold to the any person under any applicable laws and regulations, including without limitation the products listed in Appendix II, which may be updated by the Company or the relevant Payment Provider and notified to the Merchant from time to time (together, “Prohibited Products”).
    4. In the event that the Payment Service is used for processing cross-border Payment made by Alipay users, i.e. Payment made by any Alipay user who has established an Alipay account with an entity of Alipay operated in the PRC, the products listed in Appendix III, which may be updated by Alipay and notified to the Merchant from time to time, will replace the listed in Appendix III as the Prohibited Products.
    5. The Merchant shall ensure that no Transaction being submitted for the System’s processing involves or relates to any Prohibited Products (“Prohibited Transaction”). The Company will have the right to refuse to provide any Payment Service with respect to any Prohibited Transaction and the Merchant will indemnify the Company and the relevant Payment Provider , and their respective officers, directors, employees, agents, partners, representatives, shareholders, servants, attorneys, contractors, predecessors, successors and assigns from and against any claims, actions, demands, damages, losses, liabilities, costs and expenses (including legal fees and litigation expenses on a full indemnity basis) arising from or in connection with such Prohibited Transactions.
    6. The Merchant will use Payment Service only for the Products in connection with Merchant’s principal business as notified by the Merchant to the Company in accordance with these Terms of Payment Service. The Merchant shall only make a request for Payment or settlement for any Transaction if such payment or settlement is in connection with a sales and purchase transaction for the provision of the Products to the Purchaser. Cash advance by the Merchant to any person via the Payment Service is not allowed in any circumstances.
    7. The Merchant hereby agrees, warrants and represents to the Company that the details of the Transactions provided to the Company are true and correct.
    8. The Merchants will maintain the records for each Transaction to justify its authenticity for a period of seven years after the completion of the Transaction and the Company and the relevant Payment Provider shall be entitled to review or otherwise access such records. To the extent permitted by law, the Merchant shall ensure that the Company, the relevant Payment Provider, any other relevant service providers of the Company and/or regulatory or governmental authorities having jurisdiction over the Company and the relevant Payment Provider be provided with or granted access to, the relevant Transaction information including but not limited to information on the Merchant, the Participating Restaurant(s)/Outlet(s), Products, and the amount, currency, time and counterparties to each Transaction, within 3 Working Days of the Company’s request. Subject to any restriction under applicable laws, the Company will advise the Merchant of the names of such service providers or regulatory/governmental authorities and the subject matter to which such requests relate.
    9. The Merchant agrees that the Company shall be entitled, at its sole discretion, to set off, withhold settlement of or deduct any sums payable and liability of any nature from time to time due, owing or incurred by the Merchants to the Company under this Agreement against any monies and liabilities of any nature, including Payments, from time to time due, owing or incurred by the Company under this Agreement. The circumstances under which the Company may exercise its rights under this Clause include without limitation:, (i) where the Merchant fails to comply with any term of this Agreement; (ii) where the Company believes that the Merchant has or is likely to become subject to bankruptcy, insolvency, reorganization, winding up or similar dissolution procedures; (iii) where the Company reasonably believes that there has been a material deterioration in the financial condition of the Merchant; or (iv) where the Company or the relevant Payment Provider reasonably believes that any Transaction is a Prohibited Transaction.
  7. Warranties
    1. In order for the Company and the relevant Payment Provider to satisfy their obligations to comply with the relevant requirements under applicable laws and regulations, upon reasonable request by the Company, the Merchant will share any records and information (including Transaction information and records) as requested by the Company from time to time, and the Company and/or the relevant Payment Provider is authorized by the Merchant to provide the relevant records and information to governmental agencies, regulatory authorities and third party service providers for examination and verification as necessary.
    2. The Merchant shall comply with all applicable laws and regulations on anti-money laundering, counter-terrorism financing and sanctions (together “AML”). In accordance with the Company’s and the relevant Payment Provider’s AML, anti-fraud, and other compliance and security policies and procedures, the Company may impose reasonable limitations and controls on Merchant’s ability to utilize the Payment Service. Such limitations may include but are not limited to rejecting Payments and/or suspending/restricting any Payment Service with respect to any Transaction. The Company or the relevant Payment Provider may, for the purposes of complying with relevant suspicious transaction reporting and tipping-off requirements under any applicable laws and regulations, report suspicious transactions to the relevant authorities.
  8. Intellectual Property
    1. The relevant Payment Provider owns all rights, title or interests in and to the Intellectual Property associated with the provision of their payment processing service or has otherwise been granted the appropriate licenses by the relevant owner with respect to such Intellectual Property. Subject to the terms of these Terms of Payment Service and, as the case may be, any agreement between the relevant Payment Provider and the owner of the relevant Intellectual Property, the relevant Payment Provider grants the Merchant during the term of the Agreement, a license to use the relevant Intellectual Property in the related payment processing service and its branding and logo (it owns or is entitled to use) solely for the purpose of using the related payment processing service in accordance with the Agreement. Such license to use the relevant Intellectual Property granted in favor of the Merchant is non-exclusive, non-sublicensable (other than to the Merchant as permitted by and in accordance with Clause 13 hereunder) and non-transferrable, and may be modified or revoked by the relevant Payment Provider in writing at any time during the term of the Agreement.
      The Merchant shall be permitted to use the relevant Payment Provider's and Openrice’s branding and logo solely as required for the purpose of using the Payment Service and strictly in accordance with the provisions of Clause 13 hereunder. The Merchant agrees that the licenses granted under this Clause and the Merchant's use of such Intellectual Property under this Agreement will not confer any proprietary right, and the Merchant agrees to take reasonable care to protect all such Intellectual Property from infringement or damage and cease all use of such Intellectual Property immediately upon termination of the Agreement.
  9. Merchant License
    1. During the term of the Agreement for the limited purposes of performing the obligations set forth in the Agreement and subject to the terms of the Agreement, the Merchant grants to the Company and the relevant Payment Provider a non- exclusive, non-transferable, royalty-free license to use, reproduce, publish, distribute and transmit any of the Merchant’s marketing materials, proprietary indicia or other similar items containing the Intellectual Property of the Merchant ("Merchant IP") necessary for the Company and the relevant Payment Provider to perform its obligations contemplated by these Terms of Payment Service and to refer to the name of the Merchant in the public announcement as one of the partners using the Payment Service and the related payment processing service provided by such relevant Payment Provider. The Merchant represents and warrants that it has obtained all necessary authorities, permissions, approvals and licenses to license the Merchant IP to the Company and the relevant Payment Provider and that the Merchant IP does not infringe the Intellectual Property of any third party.
  10. Data Privacy
    1. The Merchant acknowledges and consents that the Company and the relevant Payment Provider may retain records of Payments for the purpose of complying either with applicable laws and regulations or internal compliance policies. The Merchant further acknowledges and consents that the Company and the relevant Payment Provider may transfer Transaction data, including Personal Data, to any of its affiliates that have been delegated any of its obligation under these Terms of Payment Service.
  11. Confidential Information
    1. Each party acknowledges that the Confidential Information of the other parties are valuable to them and agree to treat as confidential all Confidential Information received from the other parties in connection with the Payment Service. No party will disclose such Confidential Information to any third party except to perform its obligations under the Agreement or as required by applicable law or government authorities, and in each case, the disclosing Party will, to the extent permitted under applicable law, give the other parties prior notice of such disclosure. Upon termination of this Agreement or at the written request of the other parties, each party will promptly return or destroy all material embodying Confidential Information of the others. Notwithstanding the foregoing, each party may retain reasonable copies of the other parties' Confidential Information to comply with applicable laws or in order to exercise its rights under the Agreement, provided that such retained Confidential Information will not be disclosed or used for any other purposes. “Confidential Information” under these Terms of Payment Service means all non-public, proprietary or other confidential information, whether in oral, written or other form, including but not limited to: business plans, capitalization tables, budgets, financial statements; costs, prices, and marketing plans, contracts and licenses, employee, customer, supplier, shareholder, partner or investor lists, technology, know-how, business processes, trade secrets and business models, notes, sketches, flow charts, formulas, blueprints, and elements thereof, and source code, object code, graphical design, user interfaces and other Intellectual Property, including that of any customer, supplier or other third party (including, in the case of the relevant Payment Provider and the Company, the interface technologies, security protocol and certificate to any other website or enterprise provided by the relevant Payment Provider or the Company) .
  12. Publicity
    1. The Merchant will not issue any press release or make any public announcement pertaining to the Service Order Form signed with the Company without the prior written consent of the Company unless required by applicable law binding the Merchant.
  13. Responsibilities of Merchant
    1. The Merchant (and the Participating Restaurant(s)/Outlet(s)) will only use the Payment Service for its own business operations and in such manner as stated in the Agreement. The Merchant will ensure that the Payment Service is not used for any purpose of account top-up, account transfer or any other purpose that is solely related to funds transfer without an underlying Transaction.
    2. The Merchant shall only use Payment Service for its own account or for the account of the Participating Restaurant(s), for each of their own business purpose and will not make use of the payment interface provided by the Company in connection with the Payment Service for performing any commercial or non-commercial services for any other third parties.
    3. The Merchant will use the Spot Payment Module and/or Online Payment Module of the System in accordance with the terms of the Agreement and will ensure its system meets the software requirements and service process provided by the Company which may be updated by the Company from time to time. The Company and the relevant Payment Provider will not be responsible for any loss or damages incurred by the Merchant, the Participating Restaurant(s)/Outlet(s) or any other party due to the malfunction of the Merchant’s own system.
    4. The Merchant will be solely responsible and solely liable for dealing with the Purchasers in relation to complaints or rejections of Products initiated by such Purchasers.
    5. The Merchant shall facilitate the provision of Payment Service at its own cost through keeping the relevant software and hardware (including but not limited to mobile device, barcode scanner, physical circuits or networks) in a good operational condition and properly linkage to the System.
    6. The Merchant agrees to comply with the terms and conditions of the relevant Payment Provider applicable to the Payment Service, and agrees to indemnify and hold harmless the Company, its officers, directors, employees, agents, partners representatives, shareholders, servants, attorneys, contractors, predecessors, successors, and assigns from and against any claims, actions, demands, liabilities, losses, damages, costs and expenses (including legal fees and litigation expenses on a full indemnity basis) arising from and resulting from the Merchant’s breach of this Clause 12.6.
  14. Presentation Guidelines
    1. The Merchant is required to display the brand or logo of the Company and the relevant Payment Provider and identify the relevant Payment Provider as prominently as and in parity with all other forms of payment method accepted by the Merchant, such as placing the logo stickers of the Company and the relevant Payment Provider next to the point of sale at each of the Participating Restaurant(s)/Outlet(s) as directed by the Company. The aforesaid information shall be presented by the Merchant whenever payment options are featured for the purchase of Products.
      The Company’s and the relevant Payment Provider’s logo and content must be used only for the purpose of indicating acceptance of Payment Service by the Merchant as a form of payment, unless otherwise authorized by the Company and the relevant Payment Provider. The Merchant will present an accurate description of the Payment Service to its customers in accordance with the guidance provided by the Company from time to time.
  15. Cooperation with Alipay (Applicable to the Merchant who uses Alipay payment processing service)
    1. The Merchant and the Participating Restaurant(s)/Outlet(s) will use commercially reasonable efforts to launch the Payment Service by accepting payment made by Alipay usersvia Alipay mobile applications.
    2. When considered necessary at the Company’s sole and absolute discretion, the Company and the Merchant will discuss in good faith joint marketing programs to promote the use of the Alipay payment service by the general public. Any formal marketing programs may be implemented as agreed with the Company.
    3. Whenever requested by the Company, the Merchant will consult with the Company in good faith to agree on the most appropriate way to announce the use of the Payment Service in the media and the Merchant will share relevant data to demonstrate success of the business relationship after six months of using the Payment Service.
  16. Indemnity
    1. The Merchant agrees to indemnify and hold harmless the Company and the relevant Payment Provider, and each of their respective officers, directors, employees, agents, partners representatives, shareholders, servants, attorneys, contractors, predecessors, successors, and assigns from and against any claims, actions, demands, liabilities, losses, damages, costs and expenses (including legal fees and litigation expenses on a full indemnity basis) arising from and resulting from the Merchant’s breach of any terms of the Agreement.
  17. Survival
    1. Clauses 6, 7, 9, 10, 11, 15, 16 and 18, as well as other terms which by their nature should survive, shall survive termination of the Agreement.
  18. Amendment and Variation
    1. The Company expressly reserves the right to unilaterally amend these Terms of Payment Service, the newest version of which will be available online at biz.openrice.com. The Merchant is advised to check and read these Terms of Payment Service from time to time at the abovementioned hyperlink to ensure that it is informed of any amendments made thereto. Once posted on the Channels, the revised Terms of Payment Service shall become effective. The Merchant’s continued use of the Payment Service after changes of the Terms of Payment Service have been made constitutes the Merchant’s acceptance of the revised Terms of Payment Service.
  19. Inconsistency
    1. Should there be any inconsistency between the English version and any version in other language, the English version shall always prevail.

For any query, please click here to email to our Customer Relationship Executive.



Appendix I - List of High Risk Countries

Afghanistan Colombia Guinea-Bissau Lebanon Somalia
Algeria Congo, Republic of the Haiti Libya South Sudan
Angola Costa Rica India Maldives Sudan
Bolivia Dominican Republic Indonesia Myanmar Syria
Bosnia and Herzegovina Ecuador Iran Pakistan Tanzania
Burundi Equatorial Guinea Iraq Palestinian Territory, Occupied Uganda
Cambodia Eritrea Jamaica Panama Venezuela
Central African Republic Ethiopia Korea, North Philippines Yemen
Chad Guatemala Lao People’s Democratic Republic Russia Zimbabwe


Appendix II - Prohibited Products

1. Pornography
2. Illegal drugs
3. Narcotic-taking tools
4. Weapons, including accessories, replica weapons, ammunitions and explosives
5. Military or police equipment
6. Poisonous articles and hazardous chemicals
7. Hacking, malware
8. Certificate issuing and stamp carving that violate the law
9. Counterfeit currency
10. Sale or purchase of bank account or bank card in contravention with the Laws
11. Archaeological and cultural relics
12. Forged and fake products
13. Human organs
14. Surrogacy services
15. Protected species
16. Smuggled goods
17. Any animals, plants or products which contain dangerous germs, pests or any other living creature
18. Any products, medicine or any other article originates from epidemic area of infectious disease which causes threat to health of human beings or animals
19. Any other goods or services that violate the law


Appendix III- Prohibited Products (applicable to cross-border payment processing)

1. Illegal political products and publications
2. Illegal political program channels
3. State secret documents and information
4. Pornographic and vulgar audio visual products, channels, and publications
5. Pornographic and vulgar erotic services
6. Gambling
7. Gambling devices and accessories
8. Lottery
9. Narcotics and related accessories
10. Weapons of all types (including daggers, firearms and accessories, replica weapons, ammunitions and explosives)
11. Military or police equipment
12. Illegally obtained proceeds or properties as result of crime
13. Poisonous or hazardous chemicals
14. Batons and electric batons
15. Lock picking tools and accessories
16. Anesthetic, psychotropic or prescription medicine; illegal unregistered medicine
17. Fetal gender determination
18. Aphrodisiac
19. Online sale of medical services, including medical consulting, hypnotherapy, plastic surgery
20. Hacking services or accessories
21. Malwares
22. Illegal publication of certificates or carving of stamps
23. Crowd funding
24. Video chatting services
25. All religious websites, publication or accessories
26. Online cemeteries and ancestor worshipping
27. Sales of personal information (e.g. identity card information)
28. Espionage equipment and accessories
29. Services or products that infringe on personal privacy (e.g. online activity monitoring)
30. Pyramid schemes and multi-level marketing
31. Gold investment
32. Cashback from Alipay account
33. Counterfeit currency
34. Illegal sale of financial information (e.g. bank accounts, bank cards)
35. Stock and securities
36. Mutual Funds
37. Insurance products and platforms
38. Financial products and services
39. Rebate or cashback services
40. Software or products related to trading of financial products and information
41. Single-purpose prepaid cards (including gift cards and other stored value cards)
42. Illegal or un-registered fund-raising activities
43. Foreign exchange services
44. Peer to peer (P2P) lending services
45. Payment by instalments service
46. Trading in invoices issued within the Peoples’ Republic of China
47. Trading or sale of virtual currencies (e.g. Bitcoin, Litecoin)
48. Satellites antennas
49. Archaeological and cultural relics
50. Trading or distribution of currency (both RMB and foreign currencies)
51. Counterfeit or replica food products
52. Online sale of tobaccos and cigarettes
53. Fireworks and firecrackers
54. Crude oil
55. Human organs
56. Surrogacy services
57. Services to facilitate plagiarism and examination fraud
58. Protected species
59. Smuggled goods
60. Sales of distribution of event tickets without license (e.g. Olympic Games or World Expo tickets)
61. Seeds
62. Real estate
63. Charitable Organizations
64. Auction sites and services
65. Pawn services
66. Lucky draws
67. Sale of animals, plants or products with contagious and hazardous diseases
68. Sale of animals, plants or products originating from areas declared with an epidemic outbreak of contagious diseases
69. Services or products facilitating unlawful public gathering