Payment Gateway by Business Vertical: RoxPay's Guide to Accepted Sectors
Every industry has different payment needs: a hotel needs the gateway to talk to its PMS and extranet, a pharmacy has requirements tied to selling regulated products online, and sectors like travel agencies or dropshipping need extra documentation to open a merchant account. This guide brings together every business vertical RoxPay actively serves, links to the dedicated guides already available, and explains how to check whether your specific business falls under an accepted category.
Business verticals covered by RoxPay
| Sector | Available guide | Category status |
|---|---|---|
| Hotels and hospitality | PMS and extranet guides | Standard (not listed under restricted categories) |
| Pharmacies | Pharmacy payment gateway guide | Standard (not listed under restricted categories) |
| Restaurants | Guide available in Italian, English translation in progress | Standard (not listed under restricted categories) |
| Retail stores | Guide available in Italian, English translation in progress | Standard (not listed under restricted categories) |
| Ecommerce | Ecommerce payment integration guide | Standard (not listed under restricted categories) |
| Travel agencies and tour operators | Travel agency merchant account guide | Restricted: additional documentation required |
| Dropshipping | Payment gateway for dropshipping guide | Restricted: additional documentation required |
| 26 additional verticals (private healthcare, jewelry, real estate, live streaming, non-profits, and others) | Dedicated guides in progress, check eligibility in the meantime | Restricted: additional documentation required |
Classification based on RoxPay's accepted business categories page (Merchant column); every application remains subject to individual due diligence.
Why your business sector changes which payment gateway fits best
A generic payment gateway can accept a card, but a gateway built with a specific sector in mind removes operational friction by integrating with the tools you already use: a hotel needs payments to sync with its PMS for automatic booking reconciliation, an ecommerce store needs the gateway to plug into its sales platform for automated refunds and order confirmations. Beyond technical integration, your sector also shapes the risk profile assessed during underwriting: a generalist retail store gets a standard review, while a travel agency or a dropshipping business is reviewed against additional criteria tied to refund guarantees, third-party suppliers, and delivery times.
Verticals with dedicated guides already available
RoxPay publishes sector-specific guides for the verticals most requested by merchants. For hotels, see the [PMS hotel guide](/en/resources/pms-hotel) and [hotel extranet guide](/en/resources/extranet-hotel) covering booking reconciliation and channel-manager integration requirements. For pharmacies, the [pharmacy payment gateway guide](/en/resources/pharmacy-payment-gateway) covers requirements specific to selling over-the-counter medicines and parapharmacy products online.
For ecommerce, the [ecommerce payment integration guide](/en/resources/ecommerce-payment-integration-guide) covers the entire path, from choosing an integration model to specific platforms like Magento and PrestaShop. Dedicated restaurant and retail POS guides are currently published in Italian only; English versions are in progress.
Verticals requiring extra documentation: travel and dropshipping
Some sectors, while not classified as "high risk" in the strict sense (gambling, crypto, CBD, forex), are still marked as restricted on RoxPay's official accepted categories page and require additional documentation when opening an account. Travel agencies and tour operators fall into this category because of the consumer refund guarantees required under package travel regulation: the [travel agency merchant account guide](/en/resources/travel-agency-merchant-account) explains which insurance policies and guarantees are needed for approval.
Dropshipping also falls under restricted categories, because the third-party supplier model and longer delivery times lead to a structurally higher chargeback rate than the ecommerce average: the [payment gateway for dropshipping guide](/en/resources/payment-gateway-for-dropshipping) covers how this affects pricing and underwriting.
RoxPay reviews these requests on a case-by-case basis and requires additional documentation. Contact the team to check your eligibility.
26 more restricted verticals: what to know before applying
Beyond the sectors with published guides, RoxPay's official accepted categories page lists other verticals classified as restricted, including private healthcare providers and clinics, jewelry and luxury goods, car rental and sales, real estate agencies, ticketing agencies, live streaming, crowdfunding, non-profit organisations, insurance, nutraceuticals (excluding CBD and kava kava, already covered under the high risk pillar), cloud storage and VPN services, art galleries, political campaigns, airlines and cruise lines, veterinary clinics, medical equipment, payment facilitators and marketplaces, Buy Now Pay Later, securities brokers, debt collection, financial services and money service businesses, money transfer, prescription pharmaceuticals, and tobacco/e-cigarettes.
For each of these sectors, approval requires specific documentation (licences, regulatory authorisations, or contractual guarantees depending on the case) reviewed individually by RoxPay's underwriting team, ahead of a dedicated guide being published for every single vertical.
How to check if your sector is accepted
Before starting an account application, always check the status of your specific sector rather than relying on generic marketing claims.
Frequently Asked Questions
Does RoxPay serve my specific business sector?
RoxPay actively serves hotels, pharmacies, restaurants, retail stores, ecommerce, travel agencies, dropshipping, high risk sectors (gambling, crypto, CBD, forex) and 26 other restricted verticals listed on the accepted categories page. To check your specific case, see the table at the top of this page or contact the team directly.
Which sectors already have a dedicated guide on RoxPay?
Hotels and hospitality, pharmacies, ecommerce, travel agencies, dropshipping, and every high risk sector (gambling, crypto, CBD, forex, fintech) have a dedicated sector guide, linked in the sections above. Restaurant and retail POS guides are currently available in Italian, with English translations in progress.
What does "restricted category" mean?
It means the sector isn't automatically declined, but requires additional documentation compared to a standard category: operating licences, insurance guarantees, regulatory authorisations, or a processing history, depending on the sector. RoxPay reviews these requests on a case-by-case basis and requires additional documentation. Contact the team to check your eligibility.
My sector isn't listed here: can I still apply for a merchant account?
Yes. Your sector not being mentioned in this guide doesn't automatically mean a decline: RoxPay's official accepted categories page distinguishes between standard categories (not listed at all, like most generalist retail), restricted categories (extra documentation), and prohibited categories. Check the full page or contact the team for a preliminary review.
Which sectors does RoxPay never accept?
RoxPay doesn't accept categories classified as prohibited, including adult content, counterfeit goods, binary options, payday loans, illegal gambling, and other categories carrying legal or reputational risk. The full, up-to-date list is available on RoxPay's [accepted business categories](/en/general-information/accepted-business-categories) page.
How long does approval take for a sector requiring extra documentation?
For restricted categories, timelines are typically longer than for standard sectors, because underwriting needs to verify specific documentation (licences, insurance guarantees, authorisations). A complete application from the first submission, with all relevant documentation ready, significantly reduces the time compared to an application requiring follow-up requests.
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