Last updated: June 2026
Important Notice: Final prohibited-use rules may be updated before real-money services become available. Instapay is currently in pre-launch development. Real-money transfer services are not currently available.
Instapay is designed to be a safe, compliant, and trustworthy platform for person-to-person payments. To protect our users, partners, and the integrity of the financial system, certain uses of the Instapay platform are strictly prohibited.
By using the Instapay platform, you agree not to use it — directly or indirectly — for any of the purposes listed below. These prohibitions apply regardless of whether real-money services are currently available.
Enforcement: Instapay may refuse, delay, reverse, block, or report activity that appears to violate these rules, applicable law, partner requirements, or compliance obligations.
Using the platform to deceive, mislead, or defraud any person or entity, including submitting false information, creating fake accounts, or misrepresenting the purpose of a transaction.
Operating or participating in scams of any kind, including romance scams, advance-fee fraud, lottery scams, investment fraud, or any scheme designed to obtain money or information through deception.
Using the platform to conceal, disguise, or legitimize the proceeds of illegal activity, or to structure transactions in a way designed to evade financial reporting requirements.
Providing financial support, directly or indirectly, to any individual, organization, or activity associated with terrorism, extremism, or political violence.
Using the platform to facilitate, fund, or receive proceeds from gambling activities that are prohibited under applicable federal, state, or local law.
Purchasing, selling, or facilitating the transfer of controlled substances, narcotics, or other illegal drugs, or any paraphernalia associated with illegal drug use.
Buying, selling, or transferring firearms, ammunition, explosives, or other weapons in violation of applicable law, or any goods that are subject to export controls, sanctions, or trade restrictions.
Using the platform to facilitate, fund, or profit from human trafficking, forced labor, sexual exploitation, or any form of modern slavery.
Buying, selling, or transferring goods that are known or suspected to be stolen, counterfeit, or obtained through illegal means.
Accessing or attempting to access another person's Instapay account, financial account, or personal information without their authorization, or assisting others in doing so.
Impersonating another person, business, or entity — including Instapay employees or partners — or providing false identity information during account registration or verification.
Using the platform to harass, threaten, intimidate, or harm any individual, or to facilitate abusive behavior toward other users, Instapay personnel, or third parties.
Conducting transactions in a pattern or manner designed to avoid transaction limits, monitoring thresholds, reporting requirements, or compliance controls — including splitting transactions to stay below reporting thresholds.
The prohibited categories listed above are not exhaustive. Instapay reserves the right to determine, in its sole discretion, that any use of the platform is prohibited — including uses not explicitly listed here — if that use violates applicable law, poses a risk to users or partners, or conflicts with Instapay's compliance obligations.
Instapay may cooperate with law enforcement agencies, regulatory authorities, and financial partners to investigate suspected violations of these rules. We may be required by law to report certain activity to government authorities without notifying the account holder.
Violations of these prohibited-use rules may result in immediate account suspension or termination, reversal or blocking of transactions, reporting to law enforcement or regulatory authorities, and civil or criminal liability under applicable law.
This Prohibited Uses policy may be updated before and after real-money services become available. Instapay is not a bank. Real-money services are not currently available and are subject to partner, bank, compliance, and regulatory approval. Nothing in this policy constitutes an offer of financial services.
To report a suspected violation or ask about our compliance policies, contact us at [email protected].