WerninBill Compliance and Responsible Payment Infrastructure
Compliance is a core part of responsible payment infrastructure. WerninBill is designed to support self-service merchant onboarding while keeping provider requirements, jurisdictional limitations and responsible use clear.
Self-service onboarding does not mean that provider, legal or regulatory requirements are bypassed. Eligibility and payment availability can vary by business activity, jurisdiction, payment method and provider.
Self-Service Onboarding
WerninBill is structured to allow merchants to begin their onboarding without a traditional manual pre-approval process from WerninBill.
However, self-service onboarding does not guarantee access to every provider, payment method or market. Providers may require additional information, eligibility checks or other compliance procedures.
Prohibited Businesses
Any merchant can start using the WerninBill gateway and API right away, without manual pre-approval. We don’t tolerate illegal activity, though, and at our sole discretion we may limit or remove access to the gateway if it is abused.
The following businesses are strictly prohibited and will lose access without prior notice:
Scams and Fake Shops
Fake shops, phishing, and any merchant who takes a customer’s payment and does not deliver the goods or services.
Intoxicating Substances
Anything that alters consciousness, including but not limited to liquor and other alcoholic drinks, narcotic medications of any kind, and plants or herbs with a narcotic or recreational effect.
Adult Content
Adult or pornographic material, including nudity and filmed sexual activity.
Gambling and Betting
Casinos, gambling and betting of any kind.
Criminal Activity
Any commercial activity commonly regarded as criminal, or associated with the dark web.
Repeated Complaints
Merchants whose activities draw complaints from customers, payment providers or law enforcement.
No embedded checkout. The payment or checkout page may not be displayed inside an iframe. Customers must be redirected to the licensed payment provider directly.
Payment providers may also apply their own eligibility rules and restrictions on top of this list.
Merchant Responsibilities
Lawful Business Activity
Merchants are responsible for ensuring that their business activities are lawful and comply with applicable laws, regulations and provider policies.
Accurate Information
Merchants should provide accurate and up-to-date information when required for onboarding and payment processing.
Compliance Changes
Providers and regulatory requirements can change over time. Merchants should review the applicable requirements regularly.
Payment Providers and Settlement
Third-party payment providers may handle payment processing, settlement, verification and risk management depending on the selected payment solution.
WerninBill does not guarantee that every merchant will be accepted by every provider. Provider eligibility, settlement conditions and payment method availability may vary.
Compliance, Security and Responsible Use
Users should use the platform for legitimate business purposes and should not attempt to bypass provider controls, compliance requirements or security measures.
Merchants are expected to protect access credentials, API keys and other security-sensitive information.
Fair and Transparent Practices
WerninBill aims to keep its platform commission clear and separate from third-party provider fees that may apply. The standard WerninBill platform commission is 1% on supported payment transactions.
Provider fees, processing charges, network costs and settlement fees may apply separately.
Compliance Review
The compliance requirements applicable to a merchant can change depending on jurisdiction, business activity, payment method and provider policy. Merchants should review current requirements before structuring a payment program.
