1. Purpose and Scope
This Customer Acceptance Policy sets out the general customer, jurisdiction, business activity, and legal structure criteria applied to services provided by UAB UniPayment.
This Policy applies only to corporate customers. UAB UniPayment does not accept personal customers.
Other UniPayment group entities may apply separate acceptance criteria based on their products, jurisdictions, regulatory status, and risk requirements.
UAB UniPayment does not provide crypto-asset or virtual currency-related services.
Customer eligibility is assessed based on applicable laws and regulations, the requirements of relevant regulated partners, and UAB UniPayment’s internal risk assessment.
The categories described in this Policy are representative and not exhaustive. UAB UniPayment may request additional information, impose conditions, restrict access to specific services, or decline an application based on the applicant’s jurisdiction, ownership, business model, regulatory status, product, or transaction profile.
2. Restricted and Prohibited Categories
Restricted
Restricted customers, jurisdictions, business activities, or legal structures are not automatically declined but may require additional information, risk assessment, and approval by UAB UniPayment’s Compliance function and, where applicable, the relevant regulated partner.
Restricted status does not guarantee approval or access to any specific product or service.
Prohibited
Prohibited customers, jurisdictions, business activities, or legal structures are not eligible for services provided by UAB UniPayment.
3. General Eligibility Requirements
Applicants must:
be validly established and, where applicable, active in the relevant official register;
have a genuine and verifiable business purpose;
provide complete and accurate corporate, ownership, management, and business information;
disclose their ultimate beneficial owners, directors, authorised representatives, websites, products, and target markets;
hold all licences, registrations, permissions, and approvals required for their activities;
provide information regarding their expected transaction activity and source of funds where requested; and
complete UAB UniPayment’s KYB, AML/CFT, sanctions, and risk review requirements.
UAB UniPayment may decline an application where the applicant’s ownership, management, business activity, regulatory status, transaction flow, or source of funds cannot be satisfactorily verified.
4. Acceptance Criteria
Jurisdictions
UAB UniPayment does not accept customers, transactions, or activities where prohibited by applicable laws, sanctions, embargoes, or the requirements of relevant regulated partners.
Relationships prohibited by sanctions or applicable law are not eligible for exception.
Customers connected to higher-risk jurisdictions may be subject to additional due diligence, limitations, or prior approval. Jurisdictional availability may change following regulatory developments, sanctions updates, partner requirements, or changes in risk exposure.
Financial and Trading Businesses
Licensed and regulated financial trading businesses may be considered for onboarding where their regulatory status, ownership, and business model can be satisfactorily verified.
Businesses providing regulated financial services without the required licence or authorisation are prohibited.
Restricted Customers and Structures
Certain complex legal or ownership structures may be considered on a case-by-case basis and may require additional information regarding ownership, control, source of funds, and business purpose.
Prohibited Activities and Structures
UAB UniPayment does not accept:
illegal, fraudulent, deceptive, or misleading activities;
money laundering, terrorist financing, sanctions evasion, or proceeds of crime;
counterfeit, pirated, or stolen goods;
illegal drugs, weapons, explosives, human trafficking, forced labour, child exploitation, or other unlawful activities;
pyramid, Ponzi, or other illegal investment schemes;
activities designed to conceal the true merchant, product, transaction purpose, or payment descriptor;
shell companies or entities without a genuine and verifiable business purpose;
anonymous, concealed, or unverifiable ownership or control;
bearer-share structures where ownership cannot be reliably established; or
businesses whose licences, ownership, management, websites, or transaction flows cannot be satisfactorily verified.
5. Assessment and Ongoing Review
UAB UniPayment may request any information or documentation considered necessary to assess an applicant’s eligibility and risk profile.
Where appropriate, approval may be subject to:
additional due diligence;
product, transaction, jurisdiction, or volume limitations;
approval by UAB UniPayment’s Compliance function and, where applicable, the relevant regulated partner;
additional contractual or operational conditions; or
ongoing monitoring.
UAB UniPayment may restrict or terminate services where:
information provided is inaccurate, incomplete, or misleading;
the customer’s business, ownership, regulatory status, website or domain, or transaction flow materially changes without prior disclosure;
required approval from a regulated partner is withdrawn;
legal, regulatory, sanctions, or risk conditions change; or
the relationship no longer meets UAB UniPayment’s acceptance criteria or risk appetite.
6. Changes and Contact
UAB UniPayment may update this Policy to reflect changes in applicable law, regulatory requirements, partner requirements, products, jurisdictions, or internal risk appetite.
The latest version will be published on this page.
For questions regarding customer eligibility, please contact:
UAB UniPayment Compliance
Last updated: July 2026