Google Pay Policies for Businesses
Welcome to the Google Pay for Business Policy Center. Here you’ll find the policies which apply to anyone using Google Pay to do business, including merchants joining Google Pay for Business as business partners. They also include our rules for creating high quality offers and communications on Google Pay for Business.
Our policies cover the following areas:
Prohibited products and services: Products and services which may not be sold on Google Pay by merchants or billers including Google Pay for Business business partners
Prohibited and restricted business partners: Persons who will not be permitted to use Google Pay as merchants or billers including Google Pay for Business business partners
Restricted products and services: Products and services which may not be the subject of Google Pay for Business Offers
Inappropriate content: Unacceptable content for communications and offer text and images
Offer conditions and redemption: Quality standards for Google Pay for Business Offer conditions and fulfilment
Editorial guidelines: Editorial and technical quality standards
Google Pay reserves the right to expand or edit these policies at any time. Google Pay will also exercise its sole discretion in the interpretation and enforcement of these policies in conjunction with the product's Terms of Service.
To become a Google Pay for Business business partner or use Google Pay as a merchant or biller, you must comply with our policies on prohibited products and services. These restrictions would apply regardless of whether the prohibited products or services form your entire inventory or only a part of it. Businesses who trade in any products or services prohibited by applicable laws are not allowed to use Google Pay as billers or merchants, or become Google Pay for Business business partners. A non-exhaustive list of prohibited products and services includes the following:
Adult products and services
We do not allow Google Pay to be used for pornography and other sexually explicit material. This includes but is not limited to: prostitution, escort or companionship services, or any product or service which promotes underage, non-consensual, or other illegal sexual themes.
Counterfeit, illegal, or stolen products and services
Google Pay (and hence Google Pay for Business) may not be used for transactions of illegal products or services; or information promoting illegal goods or enabling illegal acts, products produced in violation of a third party's rights; replicas or imitations of designer or other products; or counterfeit goods.
We do not allow the illegal sale of products and services using Google Pay (e.g. fake currency, tickets; smuggled goods and goods in violation of export, import or labeling restrictions). Businesses are solely and completely responsible for verifying that all items sold by the business are authentic and legal in all applicable jurisdictions.
We don’t allow Google Pay to be used for the sale of unauthorized copyrighted material. Examples include: copies of books, music, movies, and other licensed or protected materials including copies without proper attribution; and unauthorized copies of software, video games and other licensed or protected materials, including OEM or bundled software.
Businesses are solely and completely responsible for ensuring that they have any and all appropriate licenses or authorizations for the sale of copyrighted material.
We want to help keep people safe both online and offline, so we don’t allow Google Pay to be used for transactions on products that may cause damage, harm, or injury (e.g. guns and other weapons, explosives, drugs).
Enabling dishonest behavior
We value honesty and fairness, so we don’t allow Google Pay to be used to sell products or services that are designed to enable dishonest behavior. A non-exhaustive list of examples include:
Academic paper-writing and test-taking services
Devices or techniques for unlocking technical protection measures
Hacking and cracking materials
Devices for circumventing traffic rules
Jammers or devices that are designed to block, jam or interfere with cellular and personal communication devices or signals
Financial products and services
We don’t allow the provision of any financial products or services (including cryptocurrency products or services), unless you hold a relevant licence from or are otherwise supervised by a competent national authority such as a financial sector regulatory agency or central bank.
Offensive or Inappropriate
We value diversity and respect for others, and we strive to avoid offending users, so we don’t allow Google Pay to be used for supporting hatred, intolerance, discrimination, or violence.
We do not allow Google Pay to be used for products and services which contain or promote political content. Political content includes ads for political organizations, political parties, political issue advocacy or fundraising, and individual candidates and politicians.
We do not allow the sale of precious materials in bulk. Examples: Bulk sales of rare, scarce, or valuable metals or stones.
We do not allow Google Pay to be used in the exchange of wholesale currency. Examples: Discounted currencies or currency exchanges; currency backed by precious metals.
Google Pay users, including Google Pay for Business business partners, are expected to comply with all applicable local laws and regulations in every jurisdiction where they do business. We err on the side of caution in enforcing our policies where there is any question as to the legality of the products or services offered. A non-exhaustive list of local requirements may be found below. Where these overlap with the general policies applicable to GPay for Business Policies, the country-specific requirements stated here will take precedence.
We do not allow products or services which facilitate or are related to the giving or receiving of dowries.
We do not allow products or services which facilitate pre-natal gender determination or pre-conception sex selection of any form.
We do not allow Google Pay to be used for any sort of online or offline gambling where money or other items of value are paid or wagered in exchange for the opportunity to win real money or prizes based on the outcome of the game.
Google Pay may not be used for the purchase, sale, or trade of cryptocurrencies, virtual or digital currencies, or virtual assets in India. Examples: Initial coin offerings; cryptocurrency exchanges; cryptocurrency wallets.
Sponsoring private ATMs
We do not allow Google Pay to be used to sponsor private ATMs which link to an ATM transaction network that debits the customer’s account and credits the ATM owner’s account.
Money Service Business or Money & Value Transfer Services
We do not allow Google Pay to be used to offer money service business (MSB) or money & value transfer services (MVTS) such as exchange houses, remittance agents, etc., or offer to downstream or nest for MSBs or MVTS through an MSB customer.
Cable TV descramblers and black boxes
We do not allow Google Pay to be used for the sale of any descramblers or black boxes designed to obtain free services illegally.
Pyramid or Ponzi schemes
We do not allow Google Pay to be used for any pyramid selling or multi-level marketing for the solicitation of new distributors by way of encouraging gifting of payments, or such other schemes which are illegal in nature and do not involve the sale of products or services.
We allow entities to become a Google Pay for Business business partner or use Google Pay as a merchant or biller after verifying certain details about the business and the products or services for which you wish to receive payments on the Google Pay App. You must comply with our policies and shall not attempt to use Google Pay in a suspicious or concealed manner. A non-exhaustive list of prohibited entities or persons who will not be permitted to use Google Pay for Business as a merchant, biller or Google Pay for Business business partner includes the following:
Anonymous or fictitious names or numbered accounts
We do not allow any account to be created on Google Pay with anonymous, numbered or fictitious names which may conceal the identity of the account holder in any manner.
We do not allow any entity which has no physical existence in the country in which it is incorporated and licensed or which does not carry out any business activities to use Google Pay.
We do not permit any entity or person who does not have a legitimate business or offer any products or services for sale on Google Pay or uses a money mule to transact on Google Pay.
Sanctioned entities or individuals
We do not permit entities or individuals sanctioned by regulator or supranationals such as OFAC, EU, UN, Section 33 of USA PATRIOT Act, UAPA or NIA to transact on Google Pay.
Chit Funds / Nidhi Companies
We do not permit chit funds or Nidhi companies other than government or PSU entities to transact on Google Pay.
PEP & FATF
Individuals classified as politically exposed persons (PEP) or any person classified under Financial Action Task Force (FATF) category shall be restricted from transacting on Google Pay, as may be notified by Acquiring Banks to us.
Due to legal and cultural reasons, we limit the types of products and services that can be the subject of Google Pay for Business Offers. We also expect Google Pay for Business Offers to be appropriate for most audiences. Google Pay for Business business partners are not allowed to have promotional offers in the following categories:
We don’t allow the promotion of products and services which are adult-oriented, such as literature and audiovisual material that is sexually suggestive and intended to arouse; products and services intended to enhance sexual activity such as lubricants, aphrodisiacs, sexual enhancers; and erotic lingerie.
Gambling and Gaming
We don’t allow the promotion of any sort of online or offline gambling, where money or other items of value are paid or wagered in exchange for the opportunity to win real money or prizes based on the outcome of the game. This includes games of skill such as rummy, poker, or other games if it is possible for users to win money or prizes with significant monetary value as a result of the outcome of such games.
We don’t allow businesses to create promotions in many healthcare-related categories, including any products or services requiring a prescription from a medical professional or drugs and medical devices, products, and services; abortion-related products and services; unapproved pharmaceuticals and supplements; infant food products; miracle cures; pet prescriptions and pharmacies; HIV home tests; secret paternity tests, Drug test circumvention aids and related items.
Tobacco and Cigarettes
We don’t allow tobacco, any products containing tobacco or which directly facilitate tobacco consumption, or any products designed to simulate tobacco smoking (including e-cigarettes) to be the subject of Google Pay for Business Offers.
Google Pay users, including Google Pay for Business business partners, may not create offers or promotions in the following categories due to local sensitivities or legal concerns.
We restrict offers and promotions in India for the following categories:
We do not allow the promotion of alcoholic beverages, including hard alcohol, liquor, beer, wine, champagne, or cider.
We only allow offers and promotions for accounting services if they do not promote a particular accountant
We only allow offers and promotions for legal services if they do not promote a particular lawyer or legal practitioner
We only allow offers and promotions for medical services if they do not promote a particular doctor or medical practitioner and they are otherwise compliant with our restrictions on healthcare offers
We do not allow any promotion of infant milk substitutes, feeding bottles, or infant foods.
We want to help Google Pay for Business business partners to create offers and share communications that are high quality, engaging, and relevant. Our content guidelines are designed to ensure that users have a safe and trusted experience with Google Pay for Business, and cover the following categories:
Inappropriate content: Unacceptable content for communications, offer text and images, and offer destinations
Offer conditions and redemption: Quality standards for offer conditions and fulfilment
Editorial guidelines: Editorial and technical quality standards for communications and offers
We value diversity and respect for others, and we strive to avoid offending users, so we don’t allow communications, offers or offer destinations that display non-family safe, offensive or inappropriate content.
E.g. content which:
Contains text, image, audio, or video depictions which are sexually suggestive or explicit and intended to arouse
Promotes underage, non-consensual or other illegal sexual themes, whether simulated or real
Promotes the sexual exploitation of minors, e.g. child sexual abuse imagery or other content
May be interpreted as promoting a sexual act in exchange for compensation
Dangerous or Derogatory
E.g. content which:
Incites hatred against, promotes discrimination of, or disparages an individual or group on the basis of their race or ethnic origin, caste, religion, disability, age, nationality, veteran status, sexual orientation, gender, gender identity, or other characteristic that is associated with systemic discrimination or marginalization
Harasses, intimidates or bullies an individual or group of individuals
Threatens or advocates for harm on oneself or others
Seeks to exploit others
Defames or slanders any person or groups of people protected from defamation or slander by applicable law (such as the protection afforded to the royal family in some jurisdictions)
Examples: Violent language, gruesome or disgusting imagery, or graphic images or accounts of physical trauma (such as crime scene or accident photos, and execution videos).
Capitalizing on Sensitive Events
Examples: Content which may be deemed as capitalizing on or lacking reasonable sensitivity towards a natural disaster, conflict, death, or other tragic event with no discernible benefit to the victims.
Examples: Promotes or depicts cruelty or gratuitous violence towards animals, or which may be interpreted as trading in or selling products derived from threatened, protected or extinct species.
Spam, Malware, and Phishing
Offers, communications, and any related content are intended for quality exchanges between businesses and users.
Do not aggressively send communications to users on Google Pay.
Do not send content which is irrelevant to the business, product, or service being provided.
Do not share content or engage in behaviors that harm or interfere with users’ devices, network operations, or other infrastructure.
Do not use Google Pay for Business for phishing scams.
Requesting User Information
Businesses are responsible for honoring all offers made via Google Pay for Business. To maintain a high quality user experience on Google Pay for Business, all offers must meet the following conditions:
Offers must not misrepresent the business, product or service
Users should not feel misled by the content of the offers made via Google Pay for Business, and that means being upfront, honest, and providing them with the information that they need to make informed decisions. Offers must not represent you or your products in a way that is not accurate, realistic, and truthful. For example, they must not:
Be misleading (e.g. making false statements about the business or qualifications, falsely affiliate with other individuals, organizations, products and services, or false claims which position improbable results as likely outcomes even if they are technically possible)
Be unavailable or otherwise difficult to purchase (e.g. have no available stock, be inactive, promote prices which are inaccurate, or be difficult to find on the business landing page)
Contain superlative or comparative claims without third-party verification (e.g. “best”, “#1”, “better than”)
Contain information which is not clearly relevant to the actual product or service on the destination page
Conceal or misstate information about the business, product, or service (e.g. using a false identity, business name or contact information, offers for products or services that are normally offered for free)
Fail to disclose the payment model and full expense that a user will bear (e.g. shipping costs and other billing related information; recurring subscription costs)
Prompt users to initiate a purchase, download, or other commitment without first providing all relevant information and obtaining the user’s explicit consent
Use of trademarks
Businesses are allowed to use trademarks in the title or description of an offer when it is for a trademarked product or product compatible with the trademarked product. It is the business’s responsibility to ensure that any such use complies with all applicable laws and regulations, including laws on comparative advertising.
Offers must add value above and beyond the listed price
Promotions should provide a monetary discount or an additional good or service not normally associated with the purchase.
Product prices stated on an offer and product prices officially listed by the business must be exactly the same or rounded to the nearest whole currency unit (eg: ₨ 39.95 on the website may be rounded to ₨ 40.00 on the Offer). Prices under one whole currency unit must be exact.
We also do not allow promotions that are sweepstakes or which include text only meant to advertise the product without a discount.
Businesses are expected to conform to the following guidelines on offer redemption:
Offers must be honored
Businesses are expected to honor all offers made via Google Pay for Business. Any disputes that arise between businesses and users are the sole responsibility of the business. Offer redemption rules that are different from a business’ usual non-offer business operations should be clear, transparent and accurate. Businesses are encouraged to provide detailed information on rescheduling or cancellation and to ensure any restrictions on these are clearly outlined in the offer terms.
Offers must have an online and/or offline place of redemption
Offers should clearly outline how and where the user can redeem their offer. It should also be redeemable at all locations identified.
Offers must not have hidden or undisclosed additional costs
Offer terms must clearly disclose any billing expectations, additional charges, minimum purchase limits, etc. as a result of redeeming a promotion with the business. Hidden fees disclosed upon redemption are not permissible.
Businesses must not impose deal-specific costs on users upon redemption if these costs do not apply to non-deal purchases. In other words, when users redeem their offer, they should not be subject to fees which do not apply to users not redeeming an offer.
Offers must not have unspecified additional requirements
Offers must be redeemable without unspecified additional user requirements. We do not allow offers which businesses impose requirements not included in their terms and conditions in order to redeem. Any additional requirements must not impose undue costs or effort on users. Unacceptable additional requirements include, but are not limited to:
Signing up for a store credit card
Creating a store account
Accessing additional store content
Any limitations to the user’s access to non-offer inventory (e.g. applicable blackout dates, offer-specific rescheduling rules, or products/services not covered by the offer) must be made clear to the user up front.
All text and image content in Google Pay for Business Offers and related communications must conform to the following standards to ensure they are clear and do not contain inappropriate content.
Editorial & professional standards
Grammar, spelling and spacing: All business content must use commonly accepted spelling, basic grammar and be written in logical sentence form. This includes correct spacing between words and around punctuation and no typos.
Punctuation and Symbols: Offers must not contain an excessive use of numbers, letters or symbols.
Inappropriate language: Offers and related communications must not contain inappropriate or offensive language or images.
Capitalization: Offers must not contain excessive or incorrect capitalization. Only proper names should be capitalized, not every word.
Gimmicky text: Offers must avoid repetition of words, phrases and punctuation, and should not include any unnecessary or irrelevant text.
Image quality: Images should be clear and recognizable, and not blurry. They should not appear sideways or upside down.
Language: Offers must be in English.
Offer titles should provide a complete description of the offer that is easy to understand and accurately summarizes the deal being promoted by including the value of the offer or discount on products. It should not be generic promotional text, or attempt to trick or mislead users by stating a deal which does not match the detailed description or terms and conditions.
State the value of the promotion (% off, ₹ off, Free item, etc.)
State the items or types of purchases valid for discount (i.e. “jewelry” or “all footwear and accessories”)
Including any unrelated information is cause for rejection; avoid any nonessential words and details that do not clarify the promotion
Do not use exclamation marks
Do not use all capital letters or capitalize the first letter of every word
60 characters maximum
₹100 off purchase of ₹500 or more
50% off select women’s clothing
Free eyeshadow with ₹250 purchase
Men’s shirts: Buy one, get one 50% off
Any URLs contained within Google Pay for Business Offers or related content must not:
Contain links to malicious or unwanted software (as defined here)
Contain visible URL text that contains obscenity, profanity, or offensive slurs
Attempt to circumvent Google Pay’s systems and processes which are used for enforcement purposes e.g. through the use of dynamic DNS to switch page or ad content, or manipulate offer text
Google Pay for Business-created labels, URLs, and their destinations must also conform to these Google Pay for Business Policies and not contain any prohibited goods or services or inappropriate content as described in our policies.