List of Prohibited Goods and Services

The following industries are considered prohibited processing candidates from using the Company Services, due to Scheme prohibition, illegal or likely to be deemed illegal activity, high fraud potential, or high potential for excessive chargebacks. The types of businesses listed below are representative, but not exhaustive. If the Merchant is uncertain as to whether their business is a Prohibited, or have questions about how these requirements apply to the Merchant, please contact the Company.

By registering for you of the Company’s Services, the Merchant is confirming that the Merchant will not use the Service to accept payments in connection with the following businesses, business activities or business practices;

  • All sexually orientated or pornographic merchants:
    • Adult telephone conversations/chat-lines or internet
    • Massage parlours
    • Adult book stores
    • Topless bars/clubs
    • Miscellaneous adult entertainment (not elsewhere classified)

NOTE: Retailers of lingerie and sex aids / ‘toys’ are not explicitly classified as unacceptable.

  • Any merchant offering a negative renewal option following a free or low cost purchase
  • Attendant services (bodyguards)
  • Audio/Video text
  • Bail Bondsmen
  • Businesses selling using the following methods:
    • Door-to-door sales
    • Fulfilment house (merchant offering goods for sale, or order taking, on behalf of one or more 3rd party companies)
    • Inbound telemarketing in response to a postcard or similar offer
    • Outbound telemarketing or facsimile
    • Pyramid selling / Multi-level marketing / Ponzi Schemes
    • Sales force that are remunerated on a commission only basis
    • Solicit cardholders when they contact call centres to purchase products of other direct marketers (“Up-sell”)
  • Cash advances (other than financial institutions)
  • Cash Gifting
  • Chain letters
  • Cheque cashing
  • Companion/Escort Services (adult and non-adult including internet)
  • Dating services (adult and non-adult including internet)
  • Debt Consolidation
  • Flea markets (defined as firms/individuals operating from a booth, whether indoor or outdoor, on a part-time basis, with no lease or telephone availability)
  • Fortune tellers, palm readers and tarot readers
  • Free gift, prize, sweepstake or the winning of a contest as an inducement to purchase a product or service
  • Home based businesses with non-face-to-face transactions, where the merchant’s target market is outside merchant’s territory.
  • Illegal activities (or peripheral support thereof, including drug paraphernalia)
  • Medical Marijuana
  • Merchants offering rebates or special incentives
  • Modelling Agencies (adult and non-adult)
  • Money Transfer services
  • Non-essential (improvement type) cosmetic surgery

NOTE: (1) Essential surgery (including, for example, laser eye surgery) is not explicitly classified as unacceptable. (2) Treatments such as Botox injections and laser removal of tattoos, blemishes, veins etc., are not considered ‘surgery’ and are reputable businesses, thus not explicitly classified as unacceptable.

  • Non face-to-face sales of:
    • Firearms and weapons
    • Pharmaceuticals (prescription drugs)
    • Tobacco
  • Non-FSA regulated financial/investment programs/opportunities, for example:
    • Credit repair or protection or restoration (including identity theft protection)
    • “Get rich quick” schemes
    • Mortgage or loan reduction/modification/protection/guarantee services
    • Real estate seminars
  • Non Registered Charities
  • Pawnbrokers and pawn shops
  • Private detectives
  • Pseudo-pharmaceuticals (anti-aging pills, sex nutrients, vitamins etc.) where guarantees are implied

NOTE: Where no guarantee is implied, such businesses is not explicitly classified as unacceptable.

  • Solicitors engaged principally in the practice of bankruptcy law.