GOOGLE PAY APIs ACCEPTABLE USE POLICY

Effective on: March 1, 2021

Developers using the Google Pay APIs, including the Google Pay API for Passes (collectively, the “APIs”), in apps, on the web, or through other interfaces must follow the requirements listed in this Acceptable Use Policy (“AUP”), in addition to the applicable API terms of service and Google Pay API for Passes Terms of Service. This AUP covers illegal or inappropriate content, services, activities or products prohibited from using these APIs.

Google reserves the right to expand or edit these policies at any time. Google will also exercise its sole discretion in the interpretation and enforcement of these policies in conjunction with the applicable Terms of Service.

Google also reserves the right to take any corrective action it deems appropriate if it believes or suspects that any merchant or transaction violates this AUP or is otherwise illegal or unsuitable, or to disable any transaction or merchant account for any reason it deems prudent. Google may also report any illegal activity in accordance with applicable laws.

Prohibited products and services

To use the APIs as a biller or merchant, you must comply with our policies on prohibited products and services. These restrictions would apply regardless of whether the prohibited products or services form your entire inventory or only a part of it. Businesses who engage or enable any products or services prohibited by applicable local laws are not allowed to use the APIs as billers or merchants. A non-exhaustive list of prohibited products and services includes the following:

Adult products and services

We do not allow the APIs to be used for pornography and other sexually explicit material. This includes but is not limited to: prostitution, escort or companionship services, or any product or service which promotes underage, non-consensual, or other illegal sexual themes.

Child endangerment

We do not allow the APIs to be used for any transactions related to products, services or content that sexualizes minors or appeals to children but contains adult themes.

If we become aware of any transactions related to child sexual abuse imagery, Google will report such transactions to the appropriate authorities.

Counterfeit, illegal, or stolen products and services

We do not allow the APIs to be used for transactions of illegal products or services, products produced in violation of a third party's rights, or counterfeit goods. Counterfeit goods contain a trademark or logo that is identical to or substantially indistinguishable from the trademark or logo of another. They mimic the brand features of the product in an attempt to pass themselves off as a genuine product of the brand owner.

We do not allow the illegal sale of products and services using Google Pay (e.g., fake currency, tickets, smuggled goods, and goods in violation of export, import or labeling restrictions). Businesses are solely and completely responsible for verifying that all items sold by the business are authentic and legal in all applicable jurisdictions.

Copyrighted material

We do not allow the APIs to be used for the sale of unauthorized copyrighted material. Examples include: copies of books, music, movies, and other licensed or protected materials, including copies without proper attribution, and unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software.

Businesses are solely and completely responsible for ensuring that they have any and all appropriate licenses or authorizations for the sale of copyrighted material.

Dangerous / violent goods

We do not allow the use of the APIs for any transactions for the sale or purchase of products that may cause damage, harm, or injury (e.g., guns and other weapons, explosives, ammunition).

Enabling dishonest behavior

We do not allow the APIs to be used to sell products or services that are fraudulent, deceptive or designed to enable dishonest behavior. A non-exhaustive list of examples include:

• Academic paper-writing and test-taking services
• Devices or techniques for unlocking technical protection measures
• Hacking and cracking materials
• Devices for circumventing traffic rules

Financial Services

We do not allow the APIs to be used for the provision of any financial products or services, unless the partner holds a relevant license from or is otherwise supervised by a competent national authority such as a financial sector regulatory agency or central bank.

In addition, we also prohibit the provision of the following products or services:

• Cryptocurrency-related products and services (including ICO/IEO pre-sales, storage wallets or trading information), with the exception of the purchase or selling of cryptocurrencies with fiat monies through regulated entities
• Binary options or synonymous complex speculative financial products (e.g., contracts for difference, financial spread betting, rolling spot foreign exchange, and related forms of speculative products)
• Provision of training or signals for the trading of cryptocurrencies or complex speculative financial products, e.g., trading signals, tips, speculative trading information, affiliate sites containing related content or broker reviews
• Personal loans which require repayment in full in 60 days or less from the date the loan is issued
• Multi-level marketing or “get-rich-quick” schemes and businesses
• Transactions where a second payment transaction is conducted in order to complete the first transaction or where there is a substitute merchant of record in a transaction
• Credit repair services
• Debt collection agencies

Gambling

We currently only allow the Google Pay API to be used for gambling in certain limited geographies and for restricted integration types.

Fund Solicitation

We do not allow the APIs to be used for transactions or solicitation of donations to charities or organizations that are conducting unlawful or illegitimate fundraising activities.

Healthcare

We do not allow the APIs to be used for the provision of healthcare content and services, unless you hold a relevant license from or are otherwise supervised by a competent national authority, or the content and services are provided through individuals or organizations with such certifications.

In addition, we also prohibit the provision of the following products or services:

• Illegal or unapproved drugs, substances. pharmaceuticals or supplements. An indicative and non-exhaustive list of such products can be found here.
• Drug paraphernalia
• Miracle cure products
• HIV home tests
• Secret paternity tests
• Abortion-related products and services
• Speculative and/or experimental medical treatments, e.g., stem cell therapy, cellular (non-stem) therapy, gene therapy and similar forms of regenerative medicine, platelet rich plasma, biohacking, do-it-yourself (DIY) genetic engineering products, and gene therapy kits.

Hateful Content

We do not allow the APIs to be used for any transactions of products and services that promote violence, or incite hatred against individuals or groups based on race or ethnic origin, religion, disability, age, nationality, veteran status, sexual orientation, gender, gender identity, or any other characteristic that is associated with systemic discrimination or marginalization.

Tobacco

We do not allow the APIs to be used for the transaction or sale of cigars, cigarettes, e-cigarettes, and other tobacco products. Vaping or e-liquid products for use in smoking devices are also prohibited, regardless of whether they contain nicotine or not.

Terrorist Organizations

We do not allow the APIs to be used for any transactions or provision of products and services by terrorist organisations, or to include any content related to terrorism, such as content that promotes terrorist acts, incites violence, or celebrates terrorist attacks.

You also may not use the APIs in any way that falsely suggests your use of the APIs is endorsed by or associated with Google, or that is likely to damage or reduce Google’s goodwill or reputation.