Keap Pay Prohibited Businesses List

This article applies to:

The following business types are not eligible for card or ACH processing due to card brand limitation or other applicable laws or regulations:


  • 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


  • “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


  • Companion/Escort Services, Dating Services

  • Bride Catalog /Mail Order Spouse/International Match Making Services

  • Most Sexually Oriented or Pornographic Products and Services


  • Pawn Shops

  • Counterfeit Goods / Replicas

  • Weapons or Gun Dealers

  • Any Product/Service considered illegal


  • 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


  • 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