The following business types are not eligible for card or ACH processing due to card brand limitation or other applicable laws or regulations:
Drugs
E-Cigarettes
Illegal Drugs and related Paraphernalia
Non-pharmaceutical synthetic Drugs
Nutraceuticals, including pseudo-pharma products such as testosterone or hormone pills
Online and/or Non-face-to-face Pharmacy or Pharmacy Referral
Substances designed to mimic illegal drugs and/or other psychoactive products
Inhalants / Amyl Nitrite
Marijuana (Cannabis or CBD) or direct relationships to industry
Sales of goods requiring age verification (e.g. tobacco, alcohol) not in-person
Extended Payments
Advanced payments greater than 1 year (any product or service)
Extended Warranty Companies
Lifetime subscriptions (any product or service)
Financial Services
Cash Advances (other than regulated financial institutions), Cash Gifting, Check Cashing
Currency, Commodity Exchange, Foreign Exchange, Money Transfer Businesses
Credit Card Protection
Credit Repair Agencies
E-Cash, Digital cryptocurrency and/or cybercurrency
Mortgage Reduction Services / Mortgage/ Loan Modification/ Consulting services
Payment Facilitators (PayFac)
Payment processors
Predatory Lenders and Payday Loans
Programs on how to apply for low-interest credit cards
Quasi Cash
Wholesale currency, which includes discounted currencies or currency exchanges
Collection Agencies or firms involved in recovering/collecting past due receivables
Foreclosure Protection/Guarantees (including “how to” guides)
Investment Programs or Opportunities
Virtual currency/cryptocurrency or credits that can be monetized, re-sold, or converted to physical or digital goods or services or otherwise exit the virtual world
Health & Beauty
Massage Parlors
Modeling Agencies
COVID-19 tests, cures, treatment, and prevention (excluding licensed/genuine healthcare providers)
Astrology/Tarot Card/Psychics
Marketing
“Get Rich Quick” Schemes
Hate-related material
Deceptive Marketing Practices
Merchants offering free gifts, prizes, sweepstakes, incentives, or enticements, the winning of a contest as an inducement to purchase a product or service
Multi-level / Affiliate Marketing Businesses
Negative renewal option business models
Inbound Telemarketing with an “Up-Sell” and “Up-Sell” Merchants
Negative Option Billers
Outbound Telemarketing
Ponzi Schemes
Sweepstakes
Relationships
Companion/Escort Services, Dating Services
Bride Catalog /Mail Order Spouse/International Match Making Services
Most Sexually Oriented or Pornographic Products and Services
Retail
Pawn Shops
Counterfeit Goods / Replicas
Weapons or Gun Dealers
Any Product/Service considered illegal
Technology
Cyberlocker and similar storage entities
Phone Unlocking Services
Prepaid Access, Phone Cards, Phone Services and Cell Phones
Resale of Social Media Activity
Social Media “Click Farms” (e.g. the sale of clicks/likes/reviews/endorsements)
Spyware
Jammers
Malware
Travel
Subscriptions to travel services or pre-packaged trips
Other Services
Gambling
Age Verification
Brand or reputational damaging, potential or otherwise, activities including but not limited to Occult materials, non-consensual mutilation of a person or body part
Fake references and other services / products that foster deception (including fake IDs and government documents)
Merchants that have ransom-like or extortion-like basis for their business model
Paper Mills (AKA Essay or Term Paper Mill)
Penny Auctions