This article lists the business types that are not eligible for card or ACH payment processing through Keap™ Pay. Ineligibility is based on card brand limitations or applicable laws and regulations. If a business type appears on this list but the account is permitted to send email through Keap, contact Keap support to request a review. For help applying for Keap Pay, see how to apply for Keap Pay.

Drugs

• E-cigarettes

• Illegal drugs and related paraphernalia

• Non-pharmaceutical synthetic drugs

• Nutraceuticals, including pseudo-pharmaceutical products such as testosterone or hormone pills

• Online or non-face-to-face pharmacy or pharmacy referral services

• Substances designed to mimic illegal drugs or other psychoactive products

• Inhalants and amyl nitrite

• Marijuana, cannabis, or CBD products, or businesses with direct relationships to those industries

• Non-in-person sales of goods requiring age verification, such as tobacco or alcohol

Extended Payments

• Advance payments greater than one year for any product or service

• Extended warranty companies

• Lifetime subscriptions for any product or service

Financial Services

• Cash advances (other than from regulated financial institutions), cash gifting, and check cashing

• Currency exchange, commodity exchange, foreign exchange, and money transfer businesses

• Credit card protection services

• Credit repair agencies

• E-cash, digital cryptocurrency, and cybercurrency

• Mortgage reduction services, mortgage or loan modification, and related consulting services

• Payment facilitators (PayFac)

• Payment processors

• Predatory lenders and payday loan businesses

• Programs offering guidance on applying for low-interest credit cards

• Quasi cash

• Wholesale currency, including discounted currencies or currency exchanges

• Collection agencies or firms involved in recovering or collecting past-due receivables

• Foreclosure protection or guarantees, including how-to guides

• Investment programs or opportunities

• Virtual currency or cryptocurrency that can be monetized, resold, or converted to physical or digital goods or services

Health and Beauty

• Massage parlors

• Modeling agencies

• COVID-19 tests, cures, treatments, and prevention products or services (excluding licensed or genuine healthcare providers)

• Astrology, tarot card, and psychic services

Marketing

• Get-rich-quick schemes

• Hate-related material

• Deceptive marketing practices

• Merchants offering free gifts, prizes, sweepstakes, incentives, or enticements as an inducement to purchase a product or service

• Multi-level and affiliate marketing businesses

• Negative renewal option business models

• Inbound telemarketing with upsell components

• Negative option billing

• Outbound telemarketing

• Ponzi schemes

• Sweepstakes

Relationships

• Companion and escort services, and dating services

• Bride catalogs, mail-order spouse services, and international matchmaking services

• Sexually oriented or pornographic products and services

Retail

• Pawn shops

• Counterfeit goods and replicas

• Weapons and gun dealers

• Any product or service considered illegal

Technology

• Cyberlockers and similar file storage services

• Phone unlocking services

• Prepaid access, phone cards, phone services, and cell phones

• Resale of social media activity

• Social media click farms, including the sale of clicks, likes, reviews, or endorsements

• Spyware

• Signal jammers

• Malware

Travel

• Subscriptions to travel services or pre-packaged trips

Other Services

• Gambling

• Age verification services

• Activities that are brand- or reputationally damaging, including occult materials and non-consensual mutilation

• Fake references and services or products that facilitate deception, including fake IDs and fraudulent government documents

• Businesses with ransom-like or extortion-like business models

• Paper mills, also known as essay or term paper mills

• Penny auctions

Frequently Asked Questions

What does this article cover?

This article lists all business types that are not eligible for card or ACH processing through Keap Pay. For help applying for Keap Pay, see how to apply for Keap Pay.

Can an exception be requested if a business type appears on this list?

In some cases, exceptions may be available. If a business type appears on this list but the account is permitted to send email through Keap, contact Keap support to discuss whether an exception is possible.

Are all prohibited business types also prohibited under the Keap Acceptable Use Policy?

Many — but not all — of the business types listed here are also prohibited under the Keap Acceptable Use Policy. Some business types are prohibited for Keap Pay specifically due to card brand limitations or regulations that apply to payment processing but not to other Keap features.