GEOBLOCKING & RESTRICTED JURISDICTIONS POLICY
EIGHT PAY Canadian MSB
Last updated: 25.05.2026
EightPay is a Canadian company registered as a Money Services Business (“MSB”) with the Financial Transactions and Reports Analysis Centre of Canada (“FINTRAC”) under registration number M23773769.
EightPay provides internet acquiring and payment processing services primarily to individual users and customers. As part of these services, EightPay may process payments, verify customer information, monitor transactions, and apply compliance controls required by applicable laws, regulations, sanctions rules, payment partner requirements, card network rules, and our internal risk policies. Where EightPay supports merchants or other business users, EightPay may also conduct merchant onboarding, KYB checks, and related controls on a risk-based basis.
Because of these requirements, our services are not available in all countries, territories, or regions. We may restrict, block, decline, suspend, or terminate access to our services where required by law or where we determine that a jurisdiction, user, merchant, transaction, or payment method presents unacceptable legal, regulatory, sanctions, fraud, or financial crime risk.
● individual users, customers, and visitors who access EightPay’s website, dashboards, applications, payment pages, APIs, or other online interfaces;
● individual customers who make, receive, initiate, or attempt to make payments using EightPay-supported payment services;
● customers, visitors, authorised users, representatives, or other persons acting for themselves or, where applicable, on behalf of another person, merchant, or business user;
● merchants and business users, only where they apply for or use EightPay-supported services or otherwise participate in a transaction processed through EightPay;
● any other person or entity that accesses, attempts to access, or benefits from EightPay’s services.
For the purposes of this Policy, references to “you” include any individual user, customer, visitor, representative, merchant, business user, or other person or entity accessing or attempting to access EightPay’s services.
We do not knowingly provide services to any individual, person, entity, customer, transaction, payment method, merchant, business user, or counterparty that:
● is located in, resident in, incorporated in, established in, operating from, or otherwise connected to a restricted jurisdiction;
● is subject to sanctions or other legal restrictions applicable to EightPay;
● is owned, controlled, or acting on behalf of a sanctioned or restricted person or entity;
● attempts to use EightPay’s services from a country, territory, or region where such use is prohibited, restricted, or unsupported;
● uses false, misleading, incomplete, or inconsistent information to access or use our services;
● attempts to bypass EightPay’s geoblocking, compliance, fraud prevention, or transaction monitoring controls.
Access to EightPay’s website or online interfaces from a particular location does not mean that our services are legally available or supported in that location.
The countries, territories, and regions listed in Annex 1 – Restricted Countries and territories are considered Restricted Jurisdictions for the purposes of this Policy. EightPay does not provide, or may restrict, access to its services in or in connection with those countries, territories, and regions, unless EightPay determines otherwise in writing or where limited access is legally permitted and operationally supported. Annex 1 forms an integral part of this Policy and may be updated by EightPay from time to time.
This includes restrictions under Canadian sanctions laws, United Nations sanctions implemented in Canada, and any other sanctions or restrictive measures applicable to EightPay, its acquiring banks, payment processors, card networks, or other financial partners.
EightPay may restrict or block access, onboarding, transactions, settlements, refunds, or payouts involving:
This may include jurisdictions subject to:
You must not access or attempt to access EightPay’s services from a restricted jurisdiction, provide false or misleading information, process or attempt to process restricted transactions, or assist any person or entity in bypassing this Policy.
Failure to comply with this Policy may result in restricted access, transaction rejection, account suspension, refusal of service, termination, or reporting to competent authorities where required by law.
Where EightPay supports merchants or business users, those merchants or business users must ensure that their websites, checkout pages, payment flows, advertising, customer acquisition channels, and business operations comply with this Policy.
Such business users must not use EightPay’s services to:
EightPay may use information including:
These controls may include:
The following activities are prohibited:
● refuse onboarding;
● deny or restrict access to the services;
● block or restrict login access;
● decline or cancel transactions;
● restrict payment access or payment acceptance;
● suspend payment processing or account activity;
● delay, hold, or suspend settlement, withdrawal, refund, or other payment activity where permitted by law or contract;
● request additional information or documentation;
● require remediation measures;
● terminate the relationship or refuse future access to the services;
● retain records as required or permitted by law;
● report suspicious activity, suspected sanctions evasion, terrorist property, or other reportable matters to competent authorities where required by law.
Refunds, reversals, withdrawals, or settlements may be permitted only where legally allowed, operationally possible, and not prohibited by sanctions, law enforcement request, court order, regulatory instruction, payment partner requirement, card network rule, or EightPay’s risk controls.
Changes may be based on:
EightPay may update Annex 1 – Restricted Countries and Territories at any time to reflect changes in legal, regulatory, sanctions, payment network, acquiring bank, processor, fraud, chargeback, or internal risk requirements.
This information may be used to:
EIGHT PAY INC.
208 14993 101 A Ave
Surrey, BC V3R 0T1
Canada
Email: office@eight-pay.com
the purposes of this Policy. EightPay does not provide, or may restrict, services in
or in connection with these countries, territories, and regions.
This list may be updated at any time. EightPay may also restrict access or
transactions involving countries, territories, regions, persons, entities, or activities
not listed below where required by law, sanctions, payment partner requirements,
card network rules, or EightPay’s internal risk assessment.
Africa
Middle East & North Africa
Asia-Pacific
Europe and Eurasia
Americas
Other Territories and Regions
Last updated: 25.05.2026
1. Introduction
This Geoblocking and Restricted Jurisdictions Policy (“Policy”) explains where and under what conditions the services of EIGHT PAY INC. (“EightPay”, “we”, “our”, or “us”) may be accessed and used.EightPay is a Canadian company registered as a Money Services Business (“MSB”) with the Financial Transactions and Reports Analysis Centre of Canada (“FINTRAC”) under registration number M23773769.
EightPay provides internet acquiring and payment processing services primarily to individual users and customers. As part of these services, EightPay may process payments, verify customer information, monitor transactions, and apply compliance controls required by applicable laws, regulations, sanctions rules, payment partner requirements, card network rules, and our internal risk policies. Where EightPay supports merchants or other business users, EightPay may also conduct merchant onboarding, KYB checks, and related controls on a risk-based basis.
Because of these requirements, our services are not available in all countries, territories, or regions. We may restrict, block, decline, suspend, or terminate access to our services where required by law or where we determine that a jurisdiction, user, merchant, transaction, or payment method presents unacceptable legal, regulatory, sanctions, fraud, or financial crime risk.
2. Scope of This Policy
This Policy applies to all persons and entities that access or use EightPay’s services, including:● individual users, customers, and visitors who access EightPay’s website, dashboards, applications, payment pages, APIs, or other online interfaces;
● individual customers who make, receive, initiate, or attempt to make payments using EightPay-supported payment services;
● customers, visitors, authorised users, representatives, or other persons acting for themselves or, where applicable, on behalf of another person, merchant, or business user;
● merchants and business users, only where they apply for or use EightPay-supported services or otherwise participate in a transaction processed through EightPay;
● any other person or entity that accesses, attempts to access, or benefits from EightPay’s services.
For the purposes of this Policy, references to “you” include any individual user, customer, visitor, representative, merchant, business user, or other person or entity accessing or attempting to access EightPay’s services.
3. General Availability of Services
EightPay’s services are available only in jurisdictions where we are able to provide them lawfully and in accordance with applicable compliance, licensing, sanctions, anti-money laundering, anti-terrorist financing, payment processing, and risk-management requirements.We do not knowingly provide services to any individual, person, entity, customer, transaction, payment method, merchant, business user, or counterparty that:
● is located in, resident in, incorporated in, established in, operating from, or otherwise connected to a restricted jurisdiction;
● is subject to sanctions or other legal restrictions applicable to EightPay;
● is owned, controlled, or acting on behalf of a sanctioned or restricted person or entity;
● attempts to use EightPay’s services from a country, territory, or region where such use is prohibited, restricted, or unsupported;
● uses false, misleading, incomplete, or inconsistent information to access or use our services;
● attempts to bypass EightPay’s geoblocking, compliance, fraud prevention, or transaction monitoring controls.
Access to EightPay’s website or online interfaces from a particular location does not mean that our services are legally available or supported in that location.
4. Restricted Jurisdictions
EightPay may restrict or prohibit access to its services from countries, territories, regions, or transaction corridors that fall into one or more of the categories below.The countries, territories, and regions listed in Annex 1 – Restricted Countries and territories are considered Restricted Jurisdictions for the purposes of this Policy. EightPay does not provide, or may restrict, access to its services in or in connection with those countries, territories, and regions, unless EightPay determines otherwise in writing or where limited access is legally permitted and operationally supported. Annex 1 forms an integral part of this Policy and may be updated by EightPay from time to time.
4.1 Sanctioned Jurisdictions, Persons, and Entities
EightPay does not provide services where doing so would violate applicable sanctions laws, asset-freezing obligations, terrorist property obligations, or restrictions imposed by competent authorities.This includes restrictions under Canadian sanctions laws, United Nations sanctions implemented in Canada, and any other sanctions or restrictive measures applicable to EightPay, its acquiring banks, payment processors, card networks, or other financial partners.
EightPay may restrict or block access, onboarding, transactions, settlements, refunds, or payouts involving:
- sanctioned persons or entities;
- entities owned or controlled by sanctioned persons or entities;
- persons or entities acting on behalf of sanctioned persons or entities;
- countries, territories, or regions subject to sanctions or broad financial restrictions;
- transactions that may involve sanctions evasion or prohibited activity.
4.2 High-Risk Jurisdictions
EightPay may restrict, prohibit, or apply enhanced checks to jurisdictions identified as high risk by FINTRAC, the Financial Action Task Force (“FATF”), the Government of Canada, payment networks, acquiring banks, processors, or other competent authorities.This may include jurisdictions subject to:
- FINTRAC Ministerial Directives;
- FATF high-risk jurisdiction statements;
- FATF increased monitoring;
- Canadian sanctions or restrictive measures;
- significant money laundering, terrorist financing, sanctions evasion, fraud, or regulatory risks.
4.3 Unsupported Jurisdictions
EightPay may also restrict access from jurisdictions where:- EightPay does not offer or support the relevant service;
- local law restricts or prohibits the relevant service;
- EightPay, its acquiring banks, payment processors, card networks, or financial partners do not support processing, settlement, refunds, or chargeback handling;
- EightPay cannot complete required KYC, KYB, beneficial ownership checks, sanctions screening, transaction monitoring, reporting, or record keeping;
- the jurisdiction presents unacceptable legal, compliance, fraud, chargeback, operational, or reputational risk.
5. Individual Customer and Merchant Responsibilities
Individual users, customers, visitors, representatives, and other persons accessing or using EightPay’s services must provide accurate, complete, and up-to-date information regarding their identity, location, residency, payment method, transaction purpose, and any other information requested by EightPay.You must not access or attempt to access EightPay’s services from a restricted jurisdiction, provide false or misleading information, process or attempt to process restricted transactions, or assist any person or entity in bypassing this Policy.
Failure to comply with this Policy may result in restricted access, transaction rejection, account suspension, refusal of service, termination, or reporting to competent authorities where required by law.
Where EightPay supports merchants or business users, those merchants or business users must ensure that their websites, checkout pages, payment flows, advertising, customer acquisition channels, and business operations comply with this Policy.
Such business users must not use EightPay’s services to:
- accept payments from customers located in restricted jurisdictions;
- process payments where the card issuing country, billing country, shipping country, IP address, device location, or other information indicates a restricted jurisdiction;
- sell goods or services into jurisdictions where such goods or services are prohibited, restricted, or unsupported;
- process payments for prohibited, sanctioned, illegal, or high-risk activity;
- hide or misrepresent the true merchant location, business model, transaction purpose, customer base, or payment flow;
- route transactions through EightPay to avoid another provider’s jurisdictional, sanctions, card network, or compliance restrictions.
6. Location and Jurisdiction Checks
To comply with this Policy, EightPay may verify and monitor location, residency, identity, payment method country, payer location, transaction origin, residential address, and other jurisdictional indicators. Where a merchant or business user is involved, EightPay may also verify business presence, incorporation, beneficial ownership, control, and related information on a risk-based basis.EightPay may use information including:
- IP address;
- device and browser information;
- billing address;
- shipping address;
- residential address;
- business address, where applicable;
- identity documents;
- proof of address;
- payment card issuing country;
- bank account or settlement account country;
- transaction data;
- account activity;
- login and access patterns;
- merchant website information, where applicable;
- incorporation and registration information, where applicable;
- beneficial ownership and control information, where applicable;
- information from compliance, verification, fraud prevention, sanctions screening, and payment service providers.
7. Geoblocking and Access Controls
EightPay may use technical, operational, and manual controls to identify, restrict, or block access from restricted or unsupported jurisdictions.These controls may include:
- IP-based geoblocking;
- payment card issuing country checks;
- billing and shipping country checks;
- device and browser checks;
- VPN, proxy, Tor, hosting, or anonymisation detection;
- sanctions screening;
- merchant, business-user, and beneficial ownership checks, where applicable;
- transaction monitoring;
- fraud and chargeback monitoring;
- manual compliance review;
- restrictions required by acquiring banks, processors, card networks, or other financial partners.
8. No Circumvention
You must not provide false, misleading, incomplete, or inaccurate information, documents, addresses, identity information, ownership information, location information, payment information, or transaction information to hide, falsify, or misrepresent your actual location, identity, residency, ownership, control, payment origin, or transaction purpose.The following activities are prohibited:
- accessing or attempting to access EightPay’s services from a restricted jurisdiction;
- using technology to bypass geoblocking or compliance controls;
- providing false or misleading address, residency, business, ownership, payment, or transaction information;
- processing payments for persons or entities located in restricted jurisdictions;
- allowing another person or entity to use a merchant account to process restricted transactions;
- assisting any person or entity in bypassing this Policy.
9. Actions We May Take
If EightPay determines or suspects that this Policy has been breached, or that a user, customer, transaction, payment method, merchant, business user, settlement account, or counterparty is connected to a restricted jurisdiction, EightPay may take one or more of the following actions:● refuse onboarding;
● deny or restrict access to the services;
● block or restrict login access;
● decline or cancel transactions;
● restrict payment access or payment acceptance;
● suspend payment processing or account activity;
● delay, hold, or suspend settlement, withdrawal, refund, or other payment activity where permitted by law or contract;
● request additional information or documentation;
● require remediation measures;
● terminate the relationship or refuse future access to the services;
● retain records as required or permitted by law;
● report suspicious activity, suspected sanctions evasion, terrorist property, or other reportable matters to competent authorities where required by law.
Refunds, reversals, withdrawals, or settlements may be permitted only where legally allowed, operationally possible, and not prohibited by sanctions, law enforcement request, court order, regulatory instruction, payment partner requirement, card network rule, or EightPay’s risk controls.
10. Updates to Restricted Jurisdictions
Legal, regulatory, sanctions, payment network, and risk requirements change over time. EightPay may update its restricted or unsupported jurisdictions, controls, and service availability at any time.Changes may be based on:
- changes in Canadian law or regulation;
- FINTRAC guidance, directives, advisories, or examination expectations;
- Government of Canada sanctions updates;
- FATF statements;
- card network rules;
- acquiring bank or processor requirements;
- changes in local laws;
- fraud, chargeback, or financial crime trends;
- EightPay’s internal risk assessment.
EightPay may update Annex 1 – Restricted Countries and Territories at any time to reflect changes in legal, regulatory, sanctions, payment network, acquiring bank, processor, fraud, chargeback, or internal risk requirements.
11. Relationship With Privacy Policy
EightPay may collect, use, disclose, and retain personal information, transaction information, device information, IP address, location indicators, identity information, payment method information, and, where applicable, merchant or business-user information, and other information as described in EightPay’s Privacy Policy.This information may be used to:
- verify identity and business information;
- perform KYC and KYB checks;
- conduct sanctions screening;
- assess jurisdictional eligibility;
- detect and prevent fraud;
- monitor transactions;
- comply with anti-money laundering and anti-terrorist financing obligations;
- enforce this Policy;
- protect EightPay, merchants, customers, financial partners, processors, card networks, and the integrity of the services.
12. Contact Us
If you have questions about this Policy, jurisdictional restrictions, or your eligibility to use EightPay’s services, please contact us at:EIGHT PAY INC.
208 14993 101 A Ave
Surrey, BC V3R 0T1
Canada
Email: office@eight-pay.com
Annex 1 - Restricted Countries and Territories
The countries, territories, and regions listed below are Restricted Jurisdictions forthe purposes of this Policy. EightPay does not provide, or may restrict, services in
or in connection with these countries, territories, and regions.
This list may be updated at any time. EightPay may also restrict access or
transactions involving countries, territories, regions, persons, entities, or activities
not listed below where required by law, sanctions, payment partner requirements,
card network rules, or EightPay’s internal risk assessment.
Africa
- Algeria
- Angola
- Botswana
- Burkina Faso
- Burundi
- Cameroon
- Central African Republic
- Chad
- Democratic Republic of Congo
- Namibia
- Nigeria
- Sierra Leone
- Somalia
- South Sudan
- Sudan
- Togo
- Tunisia
- Uganda
- Zambia
- Zimbabwe
- Equatorial Guinea
- Eritrea
- Ethiopia
- Ghana
- Guinea
- Guinea-Bissau
- Ivory Coast (Côte d’Ivoire)
- Liberia
- Libya
- Mali
- Mauritania
- Morocco
- Mozambique
Middle East & North Africa
- Afghanistan
- Bahrain
- Saudi Arabia
- Syria
- United Arab Emirates (specific restrictions apply)
- Yemen
- Egypt
- Gaza Strip / Palestinian Territories
- Iran
- Iraq
- Jordan
- Kuwait
- Lebanon
Asia-Pacific
- India (restricted services apply)
- Indonesia (restricted services apply)
- Kazakhstan (restricted services apply)
- Kyrgyzstan
- Bangladesh
- Bhutan
- Cambodia
- China (Mainland)
- Fiji
- Laos
- Maldives
- Myanmar (Burma)
- Nepal
- Sri Lanka
- Tajikistan
- Turkmenistan
- North Korea
- Pakistan
- Papua New Guinea
- Uzbekistan
- Vanuatu
- Vietnam
Europe and Eurasia
- Belarus
- Russian Federation
- Serbia (restricted services apply)
- Turkey
- Bosnia and Herzegovina
- Kosovo
- Ukraine (occupied territories including Crimea, Donetsk, Luhansk)
Americas
- Colombia
- Costa Rica
- Cuba
- Nicaragua
- Argentina
- Bolivia
- Brazil
- Panama
- Paraguay
- Peru
- Ecuador
- El Salvador
- Guatemala
- Guyana
- Haiti
- Honduras
- Jamaica
- Mexico
- Suriname
- Trinidad & Tobago
- United States of America (all states and territories)
- Venezuela
Other Territories and Regions
- British Virgin (U.S.)
- Puerto Rico
- Northern Cyprus
- Western Sahara
- Vatican City
- Guam