Acceptable Use Policy

1. Policy Overview & Objective

The mission of ZayanPay is to empower genuine Bangladeshi eCommerce entrepreneurs, software creators, and service providers with high-speed, secure, and cost-effective payment automation.

This Acceptable Use Policy ("AUP") outlines prohibited uses of our services to maintain the integrity of our network, safeguard consumer rights, and uphold compliance with Bangladesh Bank directives, the Digital Security Act, and telecom regulations.

2. Strictly Prohibited Business Categories

Merchants may not utilize our payment checkout APIs, plugins, or automation tools for any of the following commercial categories:

A. Illegal Gambling, Betting & Lotteries

• Online casino games, roulette, slot machines, sports betting, and cricket betting platforms.
• Unauthorized lottery schemes, raffle contests, or money doubling games.

B. Financial Exploits, Ponzi & High-Risk Schemes

• Multi-level marketing (MLM), pyramid schemes, or matrix gift schemes.
• Unlicensed foreign exchange (Forex) trading, speculative binary options, and unregulated investment funds.
• Cryptocurrency wash-trading or decentralized mixers intended to obscure the origin of funds.

C. Adult & Harmful Content

• Pornography, sexually explicit digital or physical media, escort services, or non-consensual sexual materials.
• Hate speech, harassment, defamation, or content advocating violence against any protected group.

D. Regulated & Controlled Goods

• Narcotics, controlled pharmaceuticals, prescription drugs without legitimate pharmacy licensing, and drug paraphernalia.
• Firearms, ammunition, explosives, fireworks, and dangerous weapons.
• Counterfeit or knock-off designer apparel, pirated software, and unauthorized copyright infringing products.

3. Prohibited Technical & System Behaviors

When utilizing our developer APIs, merchant dashboard, and Android Companion app, you agree never to:

• TrxID Forgery & Spoofing: Submit fake, forged, or synthetically generated transaction IDs to trick our verification engine.
• Infrastructure Overloading: Launch denial-of-service (DDoS) attempts, excessive automated scraping, or intentionally flood API endpoints with spam requests.
• Security Exploitation: Probe, scan, or test the vulnerability of our cloud systems or bypass security filters without written authorization.
• Malware Distribution: Modify, distribute, or bundle our Android Companion APK with spyware, trojans, or unauthorized third-party adware.

4. Merchant Obligations for Compliance

Every active merchant on ZayanPay agrees to maintain high commercial integrity:

1. Clear Store Information: Maintain an accessible customer support channel, accurate product descriptions, and transparent pricing on your website.
2. Prompt Order Fulfillment: Honor delivery schedules and provide customers with valid receipts or digital goods as promised.
3. Accurate KYC Maintenance: Keep business ownership and contact information current on your merchant profile.

5. Monitoring & Violation Actions

Our compliance systems continuously monitor anomalous transaction patterns, duplicate TrxID frequency, and merchant reports. In the event of a suspected or confirmed violation:

• Immediate Service Suspension: API access and transaction processing are halted to mitigate risk.
• Merchant Investigation: We may request relevant business licenses, proof of physical inventory, or customer delivery logs.
• Permanent Blacklisting: Confirmed violators are permanently banned, and their NID details are blacklisted from future registration.

6. Reporting Violations

If you encounter a merchant using ZayanPay for illegal, fraudulent, or prohibited activities, please report it to our trust and safety desk immediately: