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