Mal Card Prohibited Activities

This page sets out the activities, merchant categories and jurisdictions that are not permitted when using a Mal card. It forms part of your Card Terms and your Authorized Business User Terms.

We may decline, block or reverse any transaction that we reasonably believe falls within this list, and we may suspend or close a card or account where this list is breached.

1. RESTRICTED JURISDICTIONS — CARD ISSUANCE

Mal global USD cards are not available to individuals or businesses resident or registered in:

• Belarus
• China (mainland)
• Cuba
• India
• Iran
• Iraq
• Israel
• Myanmar
• Nepal
• Nicaragua
• North Korea
• Russia
• Syria
• Turkey
• Ukraine
• Venezuela
• Vietnam

2. RESTRICTED JURISDICTIONS — CARD USAGE

Mal global USD cards may not be used for transactions taking place in, or with merchants located in:

• Cuba
• Iran
• North Korea
• Russia
• Syria
• Ukraine
• Venezuela

3. PROHIBITED PURCHASES AND ACTIVITIES

Mal global USD cards may not be used for:

• Purchase, trade or exchange of cryptocurrency or other digital assets
• Illegal drugs, controlled substances, cannabis and CBD products
• Dark web marketplaces and anonymised marketplaces
• Unlicensed or unregulated pharmacies, and prescription medication without valid prescription
• Firearms, ammunition, weapons, explosives and related components
• Unregulated or predatory lending, including payday lending
• Sale or brokerage of personal data
• Counterfeit, pirated or otherwise infringing goods
• Human trafficking, exploitation, or any adult services involving coercion
• Pyramid schemes, Ponzi schemes and multi-level marketing
• Any activity that is unlawful in the jurisdiction where it takes place
• Purchases that are not compliant with Shariah law or Islamic principles (e.g., alcohol, pork products, adult entertainment, conventional interest-bearing financial products, etc.).

4. ACTIVITIES REQUIRING ENHANCED REVIEW

The following are not automatically prohibited but require review and written approval before a card may be used:

• Money service businesses and remittance providers
• Cryptocurrency platforms and exchanges
• Charities and non-governmental organisations
• Precious metals and stones dealers
• Creator and adult content platforms
• Licensed and regulated gambling

5. SANCTIONS AND WATCHLISTS

Cards may not be used by, or for transactions involving, any person or entity subject to sanctions administered by the United States Office of Foreign Assets Control, the United Nations, the European Union or the United Kingdom.

Customers resident in jurisdictions subject to international monitoring, including those on the FATF list of jurisdictions under increased monitoring, may be subject to additional review before a card is issued or used.

6. CHANGES TO THIS LIST

We may update this list at any time to reflect legal, regulatory or partner requirements. The current version is always available at this page.

7. CONTACT

Questions about this list: support@mal.ai

This page is published by Mal Money Inc., 1001 South Main, Suite 700, Kalispell, Montana 59901, USA. ---