ON5

Acceptable Use Policy

The businesses ON5 cannot support and the conduct that will get an account suspended. Part of the ON5 Terms of Service.

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This policy is part of the Terms of Service. It applies to you, to anyone you give access to your account, and to every cardholder in your programme.

Businesses we cannot support

You may not use ON5 to issue cards for, or move funds connected with:

Illegal and restricted goods

  • Controlled substances, precursor chemicals and drug paraphernalia, including products lawful in one market and shipped into another where they are not.
  • Weapons, ammunition, explosives and their components, and parts intended to circumvent firearms regulation.
  • Counterfeit goods, replicas sold as genuine, and anything infringing another party’s trade mark, copyright or patent.
  • Stolen goods, including digital goods, accounts and credentials.
  • Endangered species, protected wildlife products and unlawfully sourced cultural property.
  • Human remains, human organs and human trafficking in any form.

Regulated activity without the licence for it

  • Money transmission, currency exchange, payday and title lending, or debt collection without the authorisation the activity requires.
  • Securities, derivatives, insurance or investment services offered without registration where registration is required.
  • Gambling, betting, lotteries, sweepstakes and skill-gaming for prizes, except where you hold the licence for every market you serve and we have agreed to it in writing.
  • Pharmacies, telemedicine and prescription fulfilment operating outside the rules of the market they serve.
  • Cannabis and cannabis-adjacent products, including CBD, where the sale is not lawful in both the seller’s and the buyer’s jurisdiction.
  • Shell banks, and any entity that will not identify who ultimately owns or controls it.

Fraud and financial crime

  • Money laundering, terrorist financing, sanctions evasion and tax evasion.
  • Ponzi and pyramid schemes, matrix schemes, chain letters, multi-level marketing built on recruitment rather than sale, and “investment” programmes promising guaranteed returns.
  • Any dealing with a person, entity, vessel or address subject to sanctions, or resident in a comprehensively sanctioned territory.
  • Funding an account from a mixer, tumbler or address associated with theft, ransom or a sanctioned party.
  • Deceptive subscription traps, negative-option billing and undisclosed recurring charges.
  • Fake reviews, engagement fraud, ad fraud, click farms and traffic manipulation sold as marketing.

Harm and exploitation

  • Child sexual abuse material, in any form and in any quantity, without exception.
  • Non-consensual intimate imagery, and any adult content involving a minor or a person unable to consent.
  • Adult content and adult services generally, unless we have agreed in writing to an appropriately licensed and age-verified programme.
  • Content or organisations promoting terrorism, violent extremism, or violence against a person or a group.
  • Harassment, doxxing, stalkerware and services sold for those purposes.
  • Malware, ransomware, botnets, credential stuffing tooling, hacking-for-hire and stress or booter services.

Conduct that will end an account

  • Card testing — running numbers against a merchant to find live cards, or issuing cards in bulk to do it.
  • Structuring — splitting deposits, loads or spend to stay under a threshold or to obscure a source of funds.
  • Misrepresentation — giving false identity, business, ownership or beneficiary information, or hiding who the cardholder really is.
  • Credential sharing — publishing card numbers or security codes, or handing card credentials to anyone other than the cardholder they were issued to.
  • Reselling — reselling or sublicensing access to the platform or the API without a written agreement with us.
  • Abuse of the platform — scraping, load testing without permission, deliberately evading rate limits, probing for vulnerabilities without authorisation, or interfering with anyone else’s use of the service.
  • Chargeback abuse — disputing transactions you know to be valid, or building a programme whose economics depend on it.
  • Evasion — opening a new account after a closure, or using another account to do what yours was stopped from doing.

Your own obligations

  • Tell your cardholders who is issuing their card and how to reach support — the support contacts you give us are shown to them.
  • Keep your programme lawful in every market where a cardholder lives or spends.
  • Give cardholders a real way to raise a problem, and respond to disputes within the network deadlines.
  • Keep your account, your email and your API keys secure, and rotate a key you believe is exposed.
  • Tell us promptly about suspected fraud, a compromise, or a regulatory approach concerning your programme.

How we enforce this

Depending on what we find and on what our partners and the law require, we may ask for an explanation, ask for documents, limit or pause activity, freeze or terminate specific cards, suspend or close the account, hold funds while an investigation runs, or report the matter to a regulator or to law enforcement.

We aim to ask before we act. Where the law, a card network or an issuing partner requires immediate action — or where warning you would defeat the purpose of the action — we act first. Where we are legally prohibited from telling you why, we will not be able to.

Reporting a violation

If you believe an ON5-issued card is being used for anything on this page, write to [email protected] with as much detail as you have — the card’s last four digits, dates, amounts and what you observed. Security vulnerabilities go to [email protected] instead.

Changes

This list changes as network rules and law change. The current version is always the one on this page, and material changes are emailed to account holders before they take effect.

ON5.com is operated by KAANCH LIMITED, Business Registration No. 78360503, Unit 1411, 14/F, Cosco Tower, 183 Queen's Road Central, Sheung Wan, Hong Kong.