Prohibited Merchants

The following Merchants / Industries are prone to high levels of financial risk/liability. The first list contains Prohibited Merchants. The second list contains High Risk Merchants.

Prohibited Merchants / Industries

We do not provide Merchant Accounts for the following types of Merchants:

• Business Practices Promoting Racism, Violence, Abuse, Discrimination or Other Immoral Activity
• Illegal products/activities of any kind
• Intellectual Property Rights Violators
• Airlines
• Credit Repair Services
• Drug Paraphernalia
• Gambling Establishments
• Lottery Sales
• Massage Parlors (unless licensed for physical therapy)
• Age Verification Services
• Adult Videotext Merchants (pornography)
• Negative Option Billing
• Outbound Telemarketing
• Internet Pharmaceutical Sales
• Cable box de-scramblers
• Internet/Mail-Order designer/imitation Handbags
• Internet/Mail-Order Watches
• Annual Billing with High Average Tickets
• Matrix Merchants
• Internet as "Seen on TV" Products
• Knock off Athletic Shoes
• Medical Advice
• Human Growth Hormones

High Risk Merchants / Industries

The following Merchant types are historically prone to higher levels of chargeback and fraudulent activity. These Merchants may represent high levels of financial risk / liability. These Merchants will be subject to escalated UNDERWRITING procedures, which may include a High-Risk Plan (SEE BELOW).

• Answering Services
• Non-profit organizations, donations and charity events
• Diet Centers
• Health Clubs
• Investment Opportunities
• Liquidators
• Collection Agencies
• Escort or Dating Services
• Multi-level Marketing
• Time Share Sales
• Bankruptcy Lawyers/Firms
• Travel Agencies
• Long Distance ServicesPre-paid legal advice/services
• Male or Female Sexual Enhancement Supplements or Products
• Pre-Paid Phone Cards
• Internet Perfume Stores
• Downloadable Software
• Sunglasses
• Motivational and Self-improvement Courses
• Non-Retail Pawn Shops
• Seminars
• Tanning Salons
• Vitamin/Herbal Supplement Sales
• Water Purification
• Non-Retail Jewelry
• Electronics including Laptops and Computers
• Cellular Phones and Pagers
• Non-Retail Computer Hardware and/or Software sales
• Legal Advice and Kits
• Auto Accessories/Tire Rims

Additional UNDERWRITING requirements for High Risk Merchant Types may include:

• The latest business/financial statements
• Detailed description of how Merchant conducts business relative to fulfillment, delivery, deposits
• Copy of Drivers Licens
• Copies of printed sales material, print ads and electronic media
• Personal Guarantee of signatory with greater than or equal to 50% ownership in company
• Co-signer with Personal Guarantee
• Copy of Business License
• Additional Business Trade References