Prohibited Industries and Payments -

Prohibited Industries and Payments

We are unable to process payments to payee’s in the following categories.  Please review this list and ensure your payments align with our policies.

Airlines & air carriers
All airline and air carrier merchants, including charter airlines

Bail/bail bond Bail
A sum of money paid by a criminal defendant to be released from jail under the condition that they appear for court appearances.

Bankruptcy services
A company or agency that is in the business of recovering money owed on delinquent accounts or supporting the bankruptcy process.

Car rental agencies
Branded and non-branded car rental agencies

Cash at Point of Sale     
A cash advance from financial and non-financial institutions

Unregistered Charities
An unregistered non-profit, non-political organization that collects donations, including fundraising

Check cashing/guarantee
A business that provides customers with a way to turn a check into cash without having to rely on a bank account

Child pornography
An individual or entity providing or associated with the visual depiction of a minor engaged in obscene or sexually explicit conduct, whether made or produced by electronic, mechanical, or other means.

Condo (real estate) down payments
Down payments for purchase of a condominium.

Credit restoration
A service aimed at improving credit ratings by disputing errors and outdated claims with credit bureaus.

Dating services and escort services
A business, agency, or person who, for a fee, provides or offers to provide an escort.

Debt collection
The process of pursuing payments of debts owed by individuals and/or businesses

Digital file hosting (Cyberlockers)
Online data hosting services that provide remote storage space within a secure storage architecture; they can be accessed globally over the Internet; Cyberlockers can also be called ‘online storage’ or ‘cloud storage’.

Door-to-door sales
Unsolicited individual (who may go from door to door) selling goods and/or services with immediate payment expected

Foreign exchanges
A business or financial institution that has the legal right to exchange one currency for another currency.

The wagering of money or something of value on an event with an uncertain outcome, with the primary intent of winning money or material goods. Examples include: Betting, including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks. Government-licensed online casinos (online gambling). Government-licensed horse/dog racing. Government-owned lotteries.

Investment on futures
A legal agreement to buy or sell something at a predetermined price at a specified time in the future, between parties not known to each other

Leasing merchants
A business that conveys land, property, or other real estate to another for a specified time in return for regular periodic payment

Licensed insolvency practitioners
A professional intermediary in insolvency procedures.

Lodging – Hotels, Motels, Resorts (including “branded” Central Reservation Services)
Branded and non-branded lodging establishments.

Marijuana-related businesses
Any individual or entity that manufactures, processes, distributes, or dispenses marijuana, or by products or derivatives of marijuana, whether for recreational or medicinal purposes, and whether or not subject to a governmental licensing regime.

Mortgage payments
A payment which includes principal and interest paid by borrower to lender of a home loan

Multi-level marketing / pyramid selling (also referred to as Direct Marketing – Inbound/Outbound Telemarketing)
A sales system that uses one or more of the following practices: Participants pay money for the right to receive compensation for recruiting new participants. A participant is required to buy a specific quantity of products, other than at cost price for the purpose of advertising, before the participant is allowed to join the plan or advance within the plan. Participants are knowingly sold commercially unreasonable quantities of the product or products (this practice is called inventory loading). Participants are not allowed to return products on reasonable commercial terms.

Online adult entertainment
A business that primarily sells adult digital content via Internet electronic delivery.

Payday lending
A company that lends customers money at high interest rates on the agreement that the loan will be repaid when the borrower receives their next paycheck.

Payment Aggregator / Aggregator / Master Merchant / Payment Facilitator / Third Party Service Provider (“TPSP”)
A “Payment Aggregator” (sometimes referred to as an “Aggregator”, “Master Merchant”, or “Payment Facilitator”) is an entity that submits transactions for payment to a payment card network on behalf of other merchants who may or may not have direct relationships with merchant acquirers of the network

Political party donations
Contributions, funds, goods, or services raised to promote the interests for a national, state, or local political party, candidate or campaign.

Prescription drugs
Pharmacies (card not present) A business that sells prescription drugs / products online.

A person or business providing sexual services in return for payment.

Related Entities
Any Parent, Subsidiary and any business, corporation, partnership, limited liability company or other entity in which the Company, a Parent or a Subsidiary holds a substantial ownership interest, directly or indirectly.

Steamships & cruise lines
Steamship and cruise line merchants. (incl. onboard cruise shops)

Telecommunication services
Telecommunication services, including wireless, cable, satellite, wire line, and internet service providers (ISPs)

Telemarketing – travel related
A business that telemarkets travel related products or services or other travel arrangements.

Selling partial ownership of a property for use as a holiday home, whereby someone can buy the rights to use the property for the same fixed period annually.

Tobacco and smokeless tobacco retailers (card not present)
A business that sells tobacco, smokeless tobacco, and e-cigarettes online.

Top-up wallet
Functionality that provides a Stored Value Digital Facility (SVDF), a feature that allows funds to be loaded into a digital wallet for subsequent payments, including purchases of goods and services, at single or multiple payment acceptors

Travel agencies and tour operators
A business that provides travel information and booking services.

Unregulated Massage parlours
A massage parlour that is not registered with a governing body

Virtual currency/cryptocurrency
Digital money not authorized or adopted by a government. Issued and controlled by its developers and used and accepted among members of a specific virtual community

Wire transfers in-person (not online)
A business that specializes in the transfer of money from one location to another