Acceptable Use Policy (AUP) of the BeriPay Service (Operator: NextLab LLC)

Date of Last Update: September 30, 2026

1. General Provisions

1.1. This Acceptable Use Policy (hereinafter, the “AUP Policy”) sets forth the mandatory rules, restrictions, and standards for using the BeriPay information technology service (hereinafter, the “Service”), including the website https://beripay.net, the mobile application, and the Telegram bot https://t.me/BeriPay_bot.

1.2. The Operator of the Service is NextLab LLC (ООО «НекстЛаб»), Registration No. 326188-3301-ООО, INN 00203202610365 (hereinafter, the “Administrator”).

1.3. Compliance with this AUP Policy is a mandatory condition for using the Service. Using the Service or Virtual Cards for transactions directly or indirectly falling under prohibited categories shall result in the immediate blocking of the Account without right of refund.

2. Permitted Use and “Spend-Only” Model

2.1. The Service operates strictly under a “Spend-Only” architectural model.

2.2. Permitted Uses:

  • Non-cash payments for software subscriptions, cloud services, and digital products;
  • Payments for advertising platforms (Google Ads, Meta, TikTok, Yandex, etc.) and marketing tools;
  • Online purchases at international e-commerce stores, marketplaces, and booking services (hotels, flights, car rentals) outside the Russian Federation;
  • Purchases of educational courses, e-books, games, and digital media content.

3. Strictly Prohibited Activities

Users are strictly prohibited from using the Service and Virtual Cards to pay for, fund, or facilitate the following categories of goods, services, and activities:

3.1. Illegal & Criminal Activities:

  • Illicit trade in narcotics, psychotropic substances, and precursor chemicals;
  • Trade in weapons, ammunition, explosives, and toxic materials;
  • Sale of counterfeit goods, stolen property, or pirated software;
  • Child sexual abuse material (CSAM), exploitation of minors, or human trafficking.

3.2. High-Risk Financial & Investment Schemes:

  • Ponzi schemes, pyramid schemes, matrix programs, and HYIP projects;
  • Unlicensed brokerage activities and unregulated Forex trading platforms;
  • Binary options, online gambling, unlicensed casinos, sports betting, and lotteries;
  • Purchases of virtual currencies or crypto assets where prohibited by issuing bank policies or card scheme rules.

3.3. Prohibited Financial Operations (System Abuse):

  • ATM cash withdrawal attempts;
  • Person-to-person transfer attempts (P2P);
  • Fund withdrawals from Virtual Cards to Users’ bank accounts, e-wallets, or crypto wallets;
  • Initiation of fraudulent payment disputes or unsubstantiated chargebacks (Friendly Fraud).

3.4. Cybercrime & Unauthorized Access:

  • Purchase of malware, exploits, viruses, and spyware;
  • Funding hacking services, DDoS attacks, credential stuffing, or account takeover tools;
  • Purchase of compromised personal data, documents, stolen credit card details, or leaked databases (Carding / Identity Theft).

4. Sanctions and Geographic Restrictions

4.1. The Service is not available, and Virtual Cards may not be used:

  • By individuals or entities listed on international sanctions lists (OFAC, EU, UN, UK);
  • For payments to merchants located in comprehensively sanctioned territories (Crimea, DNR, LNR, Zaporizhzhia and Kherson regions, Iran, North Korea, Cuba, Syria);
  • For any activities designed to evade international trade or financial sanctions.

5. Monitoring, Enforcement, and Consequences of Violations

5.1. The Administrator and issuing partners maintain continuous monitoring of transactions and Merchant Category Codes (MCC) to ensure compliance with this AUP Policy.

5.2. Upon detection of violations, the Administrator reserves the right to:

  • Immediately and permanently block the User’s Account and cancel all active Virtual Cards;
  • Withhold balance funds and fees to offset losses, fines, or penalties imposed by acquirers or payment schemes;
  • Report violation details to international compliance databases and law enforcement authorities.

6. Compliance Contacts

For inquiries regarding merchant category eligibility or acceptable transaction types: