Restricted businesses will be reviewed prior to onboarding. There is no guarantee that providing the requested documents will result in the approval of a Ziina Business account. Businesses that are onboarded from this category may be subject to enhanced due diligence throughout their relationship with Ziina.
This list is not exhaustive. Ziina reserves the right to decline or restrict any application at its sole discretion, including where we determine that the business model presents unacceptable risk, regardless of whether the industry appears on this list.
Industry | Restricted Activity |
Arts & Art Services | Art galleries and art dealerships |
Automotive Sales and Trade | -New and used car sales -New vehicle tyre sales -Car rental businesses |
Beauty, Cosmetics & Wellbeing | Personal care and cosmetic product retailers |
Construction & Maintenance | Property renovation and fit-out services |
Direct Marketing and Catalogue Merchants | Business models with elevated fraud and chargeback risk, including: -Network marketing and MLM-adjacent structures -Referral marketing programmes -Shipping and forwarding brokers -Drop-shipping businesses -Charity sweepstakes and fundraising raffles |
Entertainment | -Content creator platforms -Media publishers and production companies |
Alcohol | Licensed retailers and vendors of alcoholic beverages |
Fashion | High-value fashion, footwear, bags, and accessories |
Flowers & Plants | -Plant and flower retailers -Fertiliser and pesticide sellers |
Gold & Jewelry | Luxury goods retailers, including jewellery, precious stones, and precious metals |
Government Services | -Government service providers -Businesses processing government grants or foreign government services -Document clearing services |
Health & Wellness | -Telemedicine platforms and online health services -Pharmacies, pharmaceutical product sellers, and medical device retailers -Offline medical beauty clinics (e.g. Botox, fillers, aesthetic treatments) -Plastic surgery consultation services |
Real Estate | Real estate agencies and property service providers |
Religion | Religious websites, spiritual services, and ancestor worship platforms |
Retail & Merchandise | -Tobacconists, cigar shops, and related retail -Tobacco products, e-cigarettes, vaping products, e-liquids, and electronic hookahs |
Stationery, Decoration & Furniture | Furniture retailers and home décor stores |
Travel & Tourism | Travel agencies, booking platforms, cruise operators, and timeshare service providers |
Transportation | -Taxi companies -Independent taxi drivers |
Professional Services | -Law firms and legal service providers -Corporate services and company formation agents -Business consultancies |