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As a Merchant of Record, Waffo Pancake is responsible for every transaction processed through our platform. To maintain compliance with payment networks, financial regulations, and applicable laws, certain product and service categories are either restricted (accepted only under specific conditions) or prohibited entirely.
Selling prohibited products will result in immediate account suspension and potential fund withholding. If you are unsure whether your product qualifies, contact support before listing.

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Restricted Categories

These categories are accepted on Waffo Pancake, but require additional review and must meet specific conditions before you can begin selling. Contact our team to discuss your use case.
Approval for a restricted category does not guarantee ongoing eligibility. Waffo Pancake reserves the right to reassess accounts if business practices change or regulatory requirements are updated.

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Prohibited Categories

The following categories are not permitted on Waffo Pancake under any circumstances.
Products or services that are illegal, facilitate illegal activity, or promote harm:
  • Controlled substances, narcotics, and drug paraphernalia
  • Counterfeit identity documents, fake IDs, or fraudulent credentials
  • Telecommunications manipulation equipment (e.g., SIM cloners, call spoofing services)
  • Content that promotes, glorifies, or incites violence or hatred
  • Human trafficking or any services facilitating the exploitation of persons
  • Tobacco products and electronic cigarettes
  • Prescription drugs sold without a valid prescription process
  • Charities, political organizations, and religious organizations (payment collection via MoR is not appropriate for these entities)
  • Debt collection services
Products or services that violate intellectual property rights:
  • Unauthorized distribution of copyrighted media (films, music, books, software)
  • Counterfeit goods — replicas or imitations misrepresenting brand or origin
  • Illegal imports or exports of goods prohibited from cross-border trade
Products or services designed to deceive consumers or exploit participants:
  • Pyramid schemes, multi-level marketing structured around recruitment fees
  • Get-rich-quick schemes, guaranteed investment returns, or unrealistic income claims
  • Predatory lending products with deceptive terms
  • Services that sell or artificially inflate social media engagement (fake likes, followers, views, or reviews)
  • Pornographic or sexually explicit content of any kind
  • Prostitution, escort services, or any form of commercial sexual services
  • Firearms, handguns, rifles, and related accessories
  • Ammunition and explosive materials
  • Toxic, hazardous, radioactive, or biological materials
  • Any items regulated under arms control or export control laws
  • Online casinos, poker, and all other forms of gambling
  • Sports betting, sports forecasting competitions with cash prizes
  • Lotteries and sweepstakes where purchase is required for entry
The following behaviors violate our platform policies and will result in immediate termination:
  • Creating accounts under a false identity or impersonating another individual or business
  • Processing payments on behalf of an undisclosed third-party merchant
  • Structuring transactions to avoid chargebacks, fraud detection, or reporting thresholds
  • Distributing malware, ransomware, spyware, or any malicious software through the platform

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Questions & Compliance

This list is not exhaustive. Waffo Pancake may restrict additional categories based on evolving regulations, payment network requirements, or risk assessments. For the complete and legally binding terms, refer to the Waffo Terms of Service.

Contact Support

Unsure if your product qualifies? Reach out before listing.

Account Reviews

Learn about our merchant verification process.