Read this before you use it
This tool tells you which words commonly attract attention from a payment app's review systems. It is not a guide to rewording a payment so it goes unnoticed.
Describing a transaction inaccurately to a payment provider breaches most platforms' terms, and in some circumstances is worse than that. If a memo flags here, the useful conclusion is that this platform is not built for your business — not that the memo needs disguising. The fix is a payment method that permits what you actually do.
Nothing is submitted or stored — this runs entirely in your browser.
If your work keeps flagging
Some businesses are legitimate and still fall outside what a given payment app is willing to support. Adult work, some cannabis-adjacent businesses, firearms retail, high-value services with frequent chargebacks — all lawful, all restricted by one platform or another.
- • Use a provider that permits your business. Paxum, Cosmo, Wise and others serve verticals that Venmo and Cash App restrict. Read their acceptable use policy before you rely on them.
- • Describe the transaction accurately. "Invoice #204" or "September retainer" is accurate and specific without being a euphemism. A reference number your client recognises is better than a category label either way.
- • Don't depend on one method. Whatever you use, a second and third option means a review or closure costs you a link swap rather than your income.
Built for the verticals mainstream apps restrict
SettleQuik lists up to 20 payment methods on one page — including Paxum, Wise, Pix and crypto. Your client picks the one they already use and pays you directly. If one gets closed, you swap a link.
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