Restricted businesses on Final Pay: what's supported
Final Pay's restricted business rules are set by Final, shaped by card-network rules, our banking partners, and local regulation. Most retail, food, and service businesses are supported, but some business types are restricted or prohibited and can't use Final Pay. Contact Final support to confirm your business is eligible.
Some business types can't accept payments with Final Pay. Most everyday retail, hospitality, and service businesses are supported, but some business types are restricted or prohibited under Final Pay's acceptance rules.
Which businesses can use Final Pay?
Supported: the large majority of businesses, including retail shops, cafes and restaurants, bars, salons, professional services, and wholesale.
Restricted: certain categories are allowed only under conditions or after review.
Prohibited: some business types cannot be supported at all.
Why some businesses are restricted
Card networks, banks, and regulations place limits on certain categories, for example some regulated, high-risk, or legally sensitive activities. Final Pay's acceptance rules reflect those limits, together with the requirements of our banking partners and the law where you operate.
Final's Acceptable Use
Separately, Final's Terms require lawful use of the platform: you may not use Final to break the law, infringe intellectual property, send spam, or interfere with the service. Accounts that violate this may be suspended.
During setup
When you set up Final Pay, you may be asked for details about your business so your account can be verified and supported. Providing accurate business information up front helps avoid delays in getting approved to take payments.
Confirm your business is eligible
Acceptance rules can change over time, so if you're not certain your category qualifies, check before you invest time setting up. Contact Final support with a short description of what you sell, and we'll help confirm whether your business is eligible for Final Pay.
Frequently asked questions
Can any business use Final Pay?
Most everyday retail, hospitality, and service businesses can. Some business types are restricted or prohibited under Final Pay's acceptance rules and can't be onboarded.
Who decides which businesses are restricted?
Final does, shaped by card-network rules, our banking partners, and local regulation. Final's Terms also require lawful use of the platform.
What is the difference between restricted and prohibited?
Restricted businesses may be allowed only under certain conditions or after review, while prohibited businesses are not supported at all.
What if my business type isn't allowed?
It may not be able to onboard, or it may need review first. Contact Final support before you start and we'll help confirm whether your business is eligible.
Does my business type affect my rates?
Eligibility and pricing are separate. Your rates depend on your region and the card types you accept. See the Final Pay pricing article.