A | - Accounts Receivable or Billing Companies (Credit Cards) – Restricted for Wells Fargo
- Adult or Pornographic Businesses – Novelties, Products, Books, Videos, Stores, Strip Clubs, Memberships, Websites, Bestiality, etc.
- Adult Chat Lines or Audio Text (i.e., “900” numbers)
- Advance Fee Credit Cards
- Age Verification Required for Legally Restricted Products or Services (Card Not Present) – Extremely Restricted for Wells Fargo
- Airlines – Charter, National and International
- Airports, Airport Terminals
- All Prohibited Card Brand Merchant Types (Credit Cards)
- Alternative Money Remittance Systems / Informal Value Transfer Systems – Prohibited for BMO
- Animal Breeding and Animal Sales
- Animals and Wildlife Products Classified as Endangered or Protected
- Any Merchant Operating within the United States that is not Subject to the State or Federal Jurisdiction of the United States
- Any Product, Service or Activity that is Deceptive, Unfair, Predatory or Prohibited by a Card Brand
- ATM (Automated Teller Machine) Owners or Operators
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B | - Ce Bearer Share Entities
- Bidding Fee Auctions including Penny Auctions
- Businesses Offering “Free” or “Discounted” Trial Periods with Negative Option Renewals
- Businesses Offering “Pay for Shipping Only” Models
- Businesses that Heavily Promote “Up-Selling” Services or Products
- Businesses that May Increase Brand or Reputational Risk
- Buying or Shopping Services and Clubs
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C | - Cannabidiol / CBD Related Products and Services (Includes Products that Contain CBD, CBD Derivatives or Where CBD Related Sales are a Material Portion of Sales)
- Centralized Reservation Services
- Chain Letters
- Charitable Organizations without 501(c)(3) or Equivalent Non-Profit Status
- Check Cashing and Payment Facilitating Services
- Coin Dealers, Stamp Dealers or Merchants Selling Precious Metals or Stones
- Collection Agencies or Related Services (Credit Cards)
- Commodity Trading or Security Trading
- Counterfeit Goods
- Credit Card Protection or ID Theft Protection Services or Products
- Credit Counselling, Credit Repair or Credit Restoration Services
- Cross-Border Acquiring
- Crowd Sourced Fundraising (Restricted for Worldpay)
- Cruise or Steamship Lines
- Cryptocurrency Exchanges or Related Businesses
- Currency or Commodity Exchange Services
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D | - Data Pass (Merchants Sharing or Collecting Cardholder Data with Third Parties)
- Dating and Escort Services – Prohibited for Worldpay
- Debt Servicing – Consolidation, Elimination, Reduction, Repair, Management, Consulting, Modification, Tax Elimination or Reduction, etc.
- Deceptive Marketing Practices
- Decryption or Descrambler Products (including Mod Chips, Cable Box Descramblers, and IP Masking Services)
- Delayed Delivery Merchants (includes Deposits for Future Goods or Services) – Restricted for Worldpay
- Digital Wallet or Prepaid Services Companies
- Direct Marketing – Inbound and Outbound Not Elsewhere Classified
- Discount Buying Memberships or Clubs
- Discount Coupon Merchants or Online Sites
- Discount Medical or Dental Plans including Discount Insurance
- Discriminatory, Hate-Related, or Racist Content
- Distressed Property Sales and/or Marketing
- Drug Paraphernalia
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E | - E-Cash Products or Services
- Embassy, Foreign Consulate or Other Foreign Government
- Essay or Paper Mills (Ghost writing Services that Sell Essays, Term Papers, etc.
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F | - Facsimile (Fax) Services
- Fake References, Services, Products, etc. that Foster Deception
- Fantasy Sports
- File Sharing Services
- Firearms, Weapons and Firearm Related Products Including Ammunition (Card Not Present)
- Fireworks or Related Products
- Foreclosure Workout or Defense Programs
- Foreign Financial Institutions Not Regulated within the United States
- Foreign Governments or Foreign Government-Owned Entities
- Foreign-Owned Entities
- Fortune Tellers, Psychic or Occult Services, etc.
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G | - Gambling – All Forms Including Lotteries, Internet Gaming, Contests, Sweepstakes, Prizes, Off-Track Betting, Sports Forecasting, Games of Skill, etc.
- Government Grants (Restricted for Wells Fargo)
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H | - Hazardous Materials (Card Not Present)
- High-Interest Rate Non-Bank Consumer Lending (e.g., Payday Lending, Title Loans, etc.)
- Human Body Parts or Bodily Fluids
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I | - Identity Theft Products or Services
- Illegal Drugs or Substances Designed to Mimic Illegal or Psychoactive Products
- Illegal Goods or Services (Represents or Mimics a Violation of Any Law, Statute or Regulation)
- Inbound Telemarketing Companies that Solicit Calls with Postcards or Similar Mailings
- Individuals for the Purpose of Person-to-Person Transactions
- International Sales
- International Shipping and Forwarding Brokers
- Intravenous (IV) Therapy (Extremely Restricted for Wells Fargo)
- IT (Information Technology) or Help Desk Support - Consumers Only
- International Match-Making Services
- Investment or “Get Rich Quick” Merchants, Businesses, Programs or Other Opportunities that Offer a Return on Investment
- Investments in Futures, Options, Derivatives, etc.
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J | - Jammers or Devices that Interfere with Personal Communication Devices
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L | - Leasing Merchants
- Licensed Insolvency Practitioners
- Loan Payments (Credit Cards)
- Loan Modification, Consulting Services or Forensic Loan Audit Services
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M | - Mail Order Clubs - Catalog Orders, Mail Order Houses, Book, and Record Clubs, etc.
- Mail Order Spouse or International Match Making Services
- Marijuana and Cannabis Related Businesses (Goods and Services including Medical Marijuana)
- Marketplaces (Restricted for Worldpay)
- Massage Parlors (Non-Franchised)
- Medical Benefits Packages (Restricted for Wells Fargo)
- Medical Testing Services and Related Products (Not Administered by a Health Practitioner)
- Memberships or Subscriptions in Excess of One Year (Restricted for Wells Fargo)
- Merchants Accepting Credit Cards as Payment for a Dishonoured Check or for an Item Deemed Uncollectable by Another Merchant (Prohibited for Worldpay)
- Merchants Accepting Payments on Behalf of Other Merchants as Merchant of Record
- Merchants in/or Meeting Requirements of Card Brand Excessive Chargeback Programs
- Merchants Located or Operating Outside of the United States (Diverting Money out of U.S.)
- Merchants Offering Fake Products or Services that Foster Deception
- Merchants Offering Free Gifts, Incentives, Prizes, Contests, Enticements, or Rebates
- Merchants Offering “Mugshot” Removal Services (“Extortion-Like” Business Model)
- Merchants on MATCH
- Merchants Prohibited by Customer Identification Program (CIP) and Due Diligence Policies
- Merchant Submitting Factored Sales (Payments Originating from Other Commercial Entities)
- Merchants that Infringe on Copyrights, Trademarks, or Intellectual Property Rights
- Merchant that Accepts a Card at a Scrip-Dispensing Terminal
- Merchants Utilizing Negative Response Options, Renewals, Continuity Subscription Practices or Excessive Termination Fees Over US$500.00
- Merchants Utilizing Any Deceptive Practices (or to Evade Card Brand Excessive Chargeback Programs)
- Mobile Minutes Sales
- Money Service Businesses – Transfers, Wires, Money Orders, Currency, Transmitters, Check Cashing, etc.
- Mortgage Reduction or Modification Services
- Mountaintop Removal Mining (Prohibited WorldPay)
- Multi-Level Marketing Businesses or Pyramid Schemes
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N | - Natural Resources Extraction in UNESCO World Heritage Sites (Prohibited for WorldPay)
- Nutraceuticals (Health or Medicinal Additives)
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O | - OFAC (Office of Foreign Asset Control) Restricted Territories, Companies, or Individuals
- Outbound Telemarketing Merchants
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P | - Package Tour Operators
- Pawn Shops and Salvage Yards
- Payday Loans or Credit Lines from non-FDIC Insured Banks
- Payment Network Sanctions – Entering or Residing in Card Brand Fineable Stage
- Peptides and Other Research Related Chemicals
- Personal Coaching and Self-Help Programs
- Personal Enhancement Products (including Nutraceuticals)
- Pharmacies and Prescription Medication (Card Not Present)
- Prepaid Phone Cards, Phone / Pager Services
- Prepaid Credit or Debit Cards
- Private Prisons and Immigration Facilities (Prohibited for WorldPay)
- Prescription Drugs or Products Sold without a Prescription
- Products or Services that Promote Hate, Abuse, Violence, Harassment, etc.
- Programs on How to Apply for Low Interest Credit Cards
- Pseudo-Pharmaceuticals or Nutraceuticals – Anti-Aging Pills, Sex Nutrients, Diet Pills, etc.
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Q | - Quasi-Cash or Stored Value Services or Products
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R | - Ransom-Like or Extortion-Like Business Model
- Real Estate Flipping
- Rebate-Based Businesses
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S | - Security Brokers or Dealers (Credit Cards)
- Selling or Sales of Social Media Activity
- Sexually Oriented or Pornographic Products and Services
- Shell Banks (Financial Institution with No Physical Presence)
- Shipping or Forwarding Brokers
- Social Media “Click Farms” – Sales of Clicks, Likes, Endorsements on Social Media Sites
- Software Resellers (Prohibited for Worldpay)
- Sports Forecasting or Odds Making (Gambling)
- Staged Digital Wallets (Prohibited for Worldpay)
- Substances Designed to Mimic Illegal Drugs
- Synthetic Drug Sales
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T | - Telemarketing Companies or Merchants Operating as an Agent for a Third Party
- Telemedicine, Telehealth or Medical Consultation (Card Not Present) – Prohibited for Worldpay
- Third Party Processors or Payment Aggregators Outside of Card Brand Approved Payment Facilitators
- Timeshares and Timeshare Related Businesses
- Tobacco Sales (Card Not Present)
- Travel Agencies and Travel Brokers – Third Party Agencies
- Travel Related Membership Clubs
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V | - Vacation Planners
- Virtual Currency or Merchants Offering Virtual Currency that can be Monetized and Exited as Real Currency
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W | - Warranty Companies and Extended Warranty Companies or Services Plans (Restricted for Wells Fargo and Worldpay)
- Weapons (3D Printers) – Accessories, Equipment or Programs for the Creation of Firearms.
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