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Merchant Resources Prohibited Use Cases and Industries Installing Bill Connect Authvia TXT2PAY

Prohibited Use Cases and Industries

Credit Card Application

Warren Chappell

Last Update 2 months ago

  1. Travel (for example: Airlines, Cruise Lines, Travel Agencies, Vacation Rentals, Tour
    Operators, Travel Clubs); 
  2. Online gambling, gaming, betting, sports forecasting, lotteries, card clubs, fantasy sports, and skill game merchants; 
  3. Dating, companion or escort services; 
  4. Adult entertainment;
  5. Publishers or distributors engaged in the pornography trade;
  6. Collection agencies;
  7. Debt reduction, modification, and/or consolidation agencies (i.e. mortgage, loan and other debt); 
  8. Credit counseling, restoration and/or repair agencies;
  9. Credit protection or identity theft protection agencies;
  10. Consumer Credit Reporting Agencies; 
  11. Online and Mail/Telephone order pharmacies and ordering facilities or advertising for such entities; 
  12. Marijuana or cannabis related businesses (MRB or CRB); 
  13. Businesses engaged in the manufacture or sale of drug paraphernalia; 
  14. Any merchant that offers services or sells products directly or peripherally that mimic the effects of an illegal product or service are prohibited (e.g. K2, HCG products, HGH, etc.); 
  15. Online / card not present cigarette, electronic cigarette, vapor, and tobacco sales;
  16. Freight forwarders;
  17. Cyberlockers; 
  18. Cryptocurrency or digital currency related activities and business operations; 
  19. Money service businesses (MSBs) such as: 
    1. Check cashing services 
    2. Payment facilitators 
    3. Currency or commodity exchanges
    4. Money transfer businesses; 
    5. Money brokers and private money lenders; 
  20. Quasi-cash; 
  21. Non-bank lenders;
  22. Publishers or distributors of racist or discriminatory materials; 
  23. Direct Marketing: a. Subscription merchants; b. Inbound telemarketing with an Up-Sell c. Outbound telemarketing; 
  24. Infomercials; 
  25. Businesses historically linked to consumer fraud schemes:
    1. Get rich products 
    2. Lifetime guarantees/memberships
    3. Pyramid type sales 
    4. Raffles or sweepstakes 
    5. Sales of mailing lists/personal information 
    6. Travel clubs 
    7. Multi-level Marketing; 
  26. Companies that assist or facilitate in the provision of tax relief, fine and penalty reductions; 
  27. Buyer’s clubs / discount clubs;
  28. Extended Warranty Companies; 
  29. Nutraceutical merchants or similar product resellers; 
  30. Timeshares and timeshare resellers; 
  31. Outbound telemarketers; 
  32. Prepaid phone cards, phone services and cell phones; 
  33. Rebate-based businesses; 
  34. Companies that offer listings of or access to public/private grants and government funds, or any facilitation thereof; 
  35. Any other business activity(ies) that may be considered illegal or prohibited.

Additional restricted industries that have licensure or other documentation requirements:

  1. Massage parlors;
  2.  All weapons dealers; 
  3. Any merchant providing remote tech support services; 
  4. Securities – Brokers/Dealers

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