Acceptable Use Policy

Effective date: 4 September 2026. Version 1.0.

1. General rule

Customers must use the Cardencer payment gateway only for lawful activities approved during onboarding and in accordance with their agreement, applicable law and card-scheme rules.

2. Prohibited conduct

• Illegal goods or services, fraud, money laundering, terrorist financing, sanctions evasion, bribery or tax evasion.
• Misleading transactions, transaction laundering, undisclosed payment aggregation, factoring of card receivables or processing for another merchant.
• Unauthorized access, malware, credential theft, denial-of-service activity, security testing without written permission or circumvention of technical controls.
• Sale or exploitation of personal data contrary to law, intellectual-property infringement or deceptive commercial practices.
• Use that creates excessive disputes, fraud, security risk or harm to Cardencer, a payment network or another person.

3. Restricted activities

Some lawful sectors require prior written approval, enhanced due diligence or may be unavailable depending on the country or card scheme. Customers must disclose their complete business model, products, countries, sales channels and any material change before processing related transactions.

4. Monitoring and enforcement

Cardencer may request information, review activity, apply limits, reject transactions, suspend access or terminate services where reasonably necessary to investigate or address risk, illegality or breach. Cardencer may report suspected unlawful conduct when required or permitted by law.

5. Reporting concerns

Report suspected abuse or account compromise to security@cardencer.eu.