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Rain restricts payment routes by region, country, and industry as part of its compliance program. If a restriction applies, the payment route creation request is rejected. These restrictions are one part of Rain’s Payments compliance checks, which also verify the account owner and screen transactions.
These restrictions apply to payment routes: opening a virtual account or making a cross-border payout. For merchant-category restrictions on card spending, see Blocked MCCs and Merchants in the Cards tab.

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Restricted US states

Rain can’t create a payment route for individuals or businesses located in the following US states:

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Restricted countries

Rain can’t create a payment route for individuals or businesses located in, or with identity documents issued by, the following countries:

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Restricted industries

For business accounts, Rain can’t create a payment route if the company operates in the following industries, listed by NAICS code:

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What’s next

Payments Compliance

How Rain verifies and screens money movement and payment routes.

Blocked MCCs and Merchants

Merchant categories Rain declines by default on card spend.