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Buyer-payment availability and Seller-payout availability are separate decisions. Neither an application, invitation, sandbox feature, country list, nor successful identity check guarantees that Ruba will approve live Transactions or payouts.

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Buyer payments

Ruba accepts only the Products, Transactions, payment methods, currencies, and jurisdictions it approves. Availability depends on legal, sanctions, tax, risk, network, provider, and operational requirements and may change. Ruba does not publish an exhaustive list of prohibited countries, persons, or entities. A Transaction is unavailable whenever Ruba determines that accepting it would violate applicable law, the Acceptable Use Policy, financial-network rules, or Ruba’s approved operating scope.

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Seller payouts

A Seller may receive payouts only after Ruba approves the Seller and the complete payout configuration. Eligibility depends on the Seller’s legal country, business type, identity and ownership verification, bank-account country and currency, risk review, and the payout routes then available to Ruba. The onboarding flow displays the countries and business types available for the configuration being reviewed. Contact support@getruba.com before relying on availability for a particular country.

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Individuals

An individual does not need to form a company merely to apply. Individual Sellers remain subject to the same Product approval, identity, tax-status, payout, and risk requirements. Ruba may require a business entity or decline a configuration where law, risk, or operational requirements make an individual arrangement unavailable.