Relay cannot process card payments through Invoices or Quick Requests when any business owner has citizenship or residence in one of the countries listed below, per Adyen's global risk policies.
What does this restriction mean?
If any owner associated with your business has citizenship or residence in a prohibited country, your business cannot accept credit or debit card payments through Relay Invoices or Quick Requests. The restriction applies at the business level, not the individual invoice level, so it blocks card acceptance across your account until ownership changes or is verified as outside the list.
Why are these countries restricted?
Card payment acceptance in Relay Invoices and Quick Requests is powered by Adyen, and this list reflects Adyen's global risk policies. Relay cannot override the restriction on a per-business basis. The policy is separate from Relay's account-opening rules and separate from the list of countries where Relay cards themselves are not accepted at merchants.
Which countries are prohibited?
Card payments through Invoices or Quick Requests are not available if a business owner has citizenship or residence in any of the following countries or territories:
Afghanistan
Albania
Algeria
American Samoa
Angola
Anguilla
Antarctica
Antigua and Barbuda
Argentina
Azerbaijan
Bangladesh
Barbados
Belarus
Belize
Bermuda
Bolivia
Bonaire
British Indian Ocean Territory (UK)
British Virgin Islands
Brunei
Burkina Faso
Burundi
Cambodia
Cameroon
Cayman Islands
Central African Republic
Chad
Comoros
Congo (Democratic Republic)
Congo (Republic of)
Cook Islands
Cuba
Djibouti
Egypt
El Salvador
Equatorial Guinea
Eritrea
Eswatini
Falkland Islands (UK)
Fiji
Gabon
Gaza Strip (Palestinian State)
Gibraltar
Guam
Guatemala
Guinea
Guinea-Bissau
Haiti
Honduras
Indonesia
Iran
Iraq
Jamaica
Kenya
Kiribati
Korea (North)
Kyrgyzstan
Laos
Lebanon
Liberia
Libya
Macau
Madagascar
Malawi
Mali
Marshall Islands
Mauritania
Mexico
Micronesia
Mongolia
Montserrat
Morocco
Mozambique
Myanmar (Burma)
Namibia
Nauru
Nepal
New Caledonia
Nicaragua
Niger
Nigeria
Northern Mariana Islands
Pakistan
Palau
Panama
Papua New Guinea
Paraguay
Peru
Philippines
Pitcairn
Russia
Saint Helena
Saint Kitts and Nevis
Saint Pierre and Miquelon
Samoa
Senegal
Somalia
South Africa
South Sudan
Sri Lanka
Sudan
Syria
Tajikistan
Tanzania
Thailand
Togo
Tokelau
Tonga
Trinidad and Tobago
Turkey
Turkmenistan
Turks and Caicos Islands
Tuvalu
Uganda
Ukraine (Crimea, Donetsk, and Luhansk regions)
United Arab Emirates
US Virgin Islands
Uzbekistan
Vanuatu
Venezuela
Vietnam
Wallis and Futuna
West Bank (Palestinian State)
Western Sahara
Yemen
Zimbabwe
This list is maintained by Adyen and updated periodically. It can change without notice, so check this article or contact our Customer Experience team before assuming a country's status.
Can I still get paid through Relay if my ownership includes a prohibited country?
Yes, you can still accept payments through Relay using non-card payment methods. Card acceptance is the only channel affected by this list, and the following options remain available on Invoices and Quick Requests:
ACH transfers (U.S. bank accounts only)
Wire transfers
Pay by Bank (Open Banking)
These channels move funds directly between bank accounts and are not subject to Adyen's card-acceptance risk policy.
How do I check if my business qualifies?
Review the ownership on file for your Relay Account and compare it against the list above. If any owner named on the account has citizenship or residence in a listed country, card payments through Invoices and Quick Requests will remain blocked at the business level. If you believe your ownership should qualify or your situation is on the edge of the list (for example, dual citizenship), contact our Customer Experience team so your case can be reviewed.
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