Restricted and Prohibited Businesses

Restricted Merchant List

Special conditions may apply to the approval of merchants providing such products or services listed below.

Adult Products
Adult Content/Nudity or Sexual Content
Adult Live Entertainment/Live Nudity/Live Sexual Acts
Age Restricted Products/Products Requiring Age Verification
Airlines
Alcohol
Ammunition
“As Seen on TV” Products & Services
Auctions
Auto Accessories

Bail Bond Services
Bankruptcy Lawyers/Firms
Business Opportunities

Cellular Phones
Charity Events/Donations
Collection Agencies
Common Ownership (Any common ownership between Third Party Sender and Originator)
Computer Hardware & Software & Downloadable
Computer Online Services – WEB Hosting/SEO Services
Consumer Lending (Face to face)
Contractors/Home Repairs
Cooperative Discount Groups (Like Shopping Clubs)
Coupon Sales
Credit Counseling/Repair

Dating Services
Debt Consolidation
Direct Marketing Outbound
Direct Marketing/Subscription/Continuity
Direct Marketing/Travel
Discounted Health Plans & Cards

E-cigarettes or Vape
Electronics (e.g. computers, stereo equipment, cameras, etc.)
Extended Warranties

Fantasy Sports/Skill Games
Financial consulting/planning/strategy/advising
Firearms
Fireworks
Forward Delivery Providers
Free Offers/Opt-Out Free Trials/Negative Option Billing
Freight Forwarders
Furniture

Gambling

Hair Growth and/or Replacement
Health Clubs and Country Clubs (memberships)
Household Appliance Stores

Jewelry

Magazine Sales/Subscriptions
Massage Parlors/Spas – Licensed Only
Money Service Businesses (such as coin dealers, casas de cambio, prepaid cards, etc.)
Motivational/Self-Improvement Courses
Moving/Storage (excluding self storage)
Multi-Level Marketing/Sales

Neighborhood Party Sales
Not for Profit Organizations

Offshore Corporations Establishment Services

Parimutuel Betting (e.g. Horse/Dog racing) (ACH only)
Pawn Shops (Face to face)
Payday Lenders
Pharmacies/Drug Stores (Face to face)
Professional Billing Services
Psychics/Horoscope (Face to face)

Real Estate Services
Reservation or Advance Payment transactions for future delivery or performance of goods or services (Cannot exceed 12 months)
Resort Land Promotions

Seminars/Business Opportunities
Sexual Enhancement Products
Smoking Accessories/Supplies (Non face to face)
Sub Prime Consumer Lenders (Face to face)
Surveillance Equipment (infringing on individuals privacy such as cameras, drones)

Talent Agencies
Telecommunications
Telemarketing
Theater & Ticketing Agencies
Third Party Hotel Reservation Services
Tobacco Sales (Face to face)
Towing Agencies
Travel Agencies/Tour Operators
Travel Clubs (Including Timeshares)
Tribal Entities
TV Cable Boxes

Vacation Rentals
Video Game Establishments
Vitamins and Supplements

Warranty Programs/Sales
Water Purification/Softener & Air Purification
Weapons

Prohibited Merchant List

Annual Billing (prepayment > 12 months)
Cable Box De-Scramblers
Companion or Escort Services
Consumer Lending (Non face to face)
Counterfeit Products
Credit Cards
Currency Exchange
Cyberlockers
Get Rich Quick
Government Owned Lotteries
Home Massage Service
Human Growth Hormones
Identified or Potential Violation of Card Association Rules, NACHA Rules, Federal Regulations, Local/State/Federal Laws
Illegal Activities (Money Laundering, Terrorism, etc.)
Illegal Businesses (such as Ponzi/Pyramid schemes)
Intellectual Property/Infringing Materials