> ## Documentation Index
> Fetch the complete documentation index at: https://docs.stablepayfi.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Compliance & Regional Availability

> Regional availability, compliance limits, and environment notes for StablePay products.

StablePay availability depends on merchant onboarding, payer location, sanctions screening, product configuration, and compliance review. This page summarizes shared regional and compliance rules across StablePay products.

## Availability overview

| Area               | Availability                                                              |
| :----------------- | :------------------------------------------------------------------------ |
| Customers / payers | Global, excluding sanctioned and restricted countries or regions          |
| Merchants          | Global, subject to business verification, KYC/KYB, and StablePay approval |
| Settlement         | USDT / USDC, subject to account configuration                             |

<Warning>
  StablePay does not provide payment services to payers in Mainland China. StablePay also blocks restricted regions according to sanctions and compliance requirements.
</Warning>

## Merchant onboarding

Merchants must complete the required business verification before production payment processing. Requirements can include legal entity information, beneficial ownership, business model review, and supported region checks.

## Product and region limits

Regional availability can affect:

* Whether a payer can open and complete checkout.
* Which wallets, networks, or tokens are available.
* Which settlement and refund options are enabled.
* Whether a product can be used in test mode only or production mode.

## Test and production environments

Test environments are intended for integration validation and may not reflect every production compliance control. Production availability is based on the merchant's approved account configuration and StablePay's live compliance rules.

## Related pages

* [Supported Wallets](/en/product/Supported-Wallets)
* [Supported Networks](/en/product/Supported-Networks)
* [Currencies & Auto Currency Conversion](/en/product/Auto-Currency-Conversion)