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.

Prohibited Industries

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

Car rental agencies
Branded and non-branded car rental agencies

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

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

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

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 racetracks. Government-licensed online casinos (online gambling). Government-licensed horse/dog racing. Government-owned lotteries.

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

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

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

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

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

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

Telemarketing – travel related
A business that tele-markets 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

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

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

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


Prohibited Payments:

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

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

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

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

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’

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

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

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

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 pay check

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

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

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

Virtual currency/cryptocurrency
Digital money not authorised 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 specialises in the transfer of money from one location to another

Prohibited AMEX Payments:

AMEX has specific regulation disallowing payroll payments

AMEX has specific regulation disallowing international payments through Airwallex

If you’re unsure if a payment you have planned falls within one of our prohibited industries or payments please don’t hesitate to contact support for a timely response