The BTC2PAY.ORG service adheres to practices and measures in the field of anti-money laundering and counter-terrorist financing (AML). We strictly comply with applicable laws and prevent any attempts to use the service for illegal purposes.

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1. Requirements for creating requests

To prevent illegal operations, the Service establishes the following requirements:

• Personal transfers: It is recommended to make transfers only to yourself. In case of transferring funds to a third party, the Client confirms that they have access to the recipient and accept full responsibility for such transfer and all associated risks.
• Accuracy of data: All contact and personal information provided in the Request must be current and accurate.
• Prohibition of anonymization: Creating Requests using anonymous proxy servers or other anonymous connections (TOR, VPN, etc.) is prohibited.
• Information disclosure: Information may be provided to authorities upon request of law enforcement agencies, court decisions, or payment system administrations.

2. AML check and Risk Score levels

The Service performs automatic analysis of each transaction. The evaluation criteria are listed below: Risk Score is dynamic and may change over time. Important: The request is rejected if the risk exceeds 60% or if specific category indicators exceed 5/100.

Prohibited categories (markers):

• Gambling / Betting;
• Darknet Market;
• Black Market Services;
• Scam / Fraud;
• Mixer / Tumbler / Privacy tools;
• Ransomware;
• Malware;
• Terrorist Financing;
• Sanctioned Addresses;
• Stolen Funds / Hack / Exploit;
• Child Abuse / Human Trafficking.

Direct transfers from the following platforms are prohibited: Bitpapa, NetEx24.net, Commex, Garantex, Hydra, Blender.io, Lazarus Group, Genesis Market, ChipMixer, Shinbad.io, Capitalist, Rapira, Cryptomus, Grinex, and others.

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3. Preliminary address verification

The Client may independently perform a preliminary check of the sending address on the dedicated page: https://btc2pay.org/aml-checker. To use this service, the Client must:

• Be a registered user of the website;
• Purchase the required number of checks in the personal account.

After completing the check, the Client may send the results to the operator via website chat for transaction approval.

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4. Refund procedure and KYC

If the transfer is marked as "High Risk Score", the request will be suspended. The Client may choose:

1. Complete the KYC verification procedure.
2. Request a refund with a commission deduction.

Technical requirement for USDT refunds: TRC-20, ERC-20, and BEP-20 networks require native tokens (TRX, ETH, or BNB) at the sending address to cover gas fees. Recommended amount: equivalent of 2–3 USDT.

Refunds for high-risk transactions are processed within up to 48 hours. Refund requests are accepted only from the email specified in the original request.

5. Sanctions and geography

Transactions involving individuals or companies listed under OFAC, UN, EU, or Canadian sanctions are prohibited. Special attention is given to countries listed by FATF. Restricted countries include:
Afghanistan, Angola, Bosnia and Herzegovina, Botswana, Bahamas, Cambodia, Burundi, DR Congo, CAR, Congo, Algeria, Ecuador, Eritrea, Ethiopia, Ghana, Guinea, Guinea-Bissau, Guyana, Haiti, Iraq, Iran, Japan, Kenya, North Korea, Lebanon, Liberia, Libya, Myanmar, Nigeria, Pakistan, Serbia, Russia, Belarus, Sudan, Sri Lanka, Somalia, South Sudan, Syria, Tunisia, Trinidad and Tobago, Uganda, USA, Vanuatu, Venezuela, Yemen, Zimbabwe.

6. Final Provisions

Users are prohibited from using the Service to carry out unlawful actions, fraudulent operations, or to circumvent current sanction restrictions. The Service reserves the right to:

• deny the provision of services;
• suspend the execution of an operation;
• perform a refund in the event of identified AML risks.

The fact of using the Service confirms the User's agreement with the AML Policy. Additionally, the use of independent AML analyzers is permitted, the results of which may be accepted by the service when making a decision: https://www.chainalysis.com https://www.elliptic.co The Risk-Score is formed on the basis of the aggregate data from these systems. A KYC request is carried out only if there are justified grounds and in the event of identifying transactions related to stolen funds, sanctioned addresses, or terrorist financing. Information may be shared with competent authorities, including: financial intelligence; law enforcement agencies; AML providers; payment systems. In such cases, the service may request the following materials: • proof of identity (passport, ID card, or other official document); • a photo of the Client with the document; • confirmation of wallet ownership (screenshots, message signature); • description of the source of funds; • confirmation of the origin of funds; • confirmation of the transaction (screenshots, txid, transaction history).

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BTC2PAY.ORG warns against using the Service for money laundering or purchasing prohibited goods. Any fraudulent activity will be prevented.