Restricted Merchant Categories

Merchants operating in the categories listed below may be considered for approval; however, they require Enhanced Due Diligence (EDD) and must complete the Enhanced Merchant Approval Pack. These business types are subject to additional review and documentation requirements to ensure compliance with our underwriting standards. We recommend preparing all necessary information in advance to help avoid delays in the approval process.

Hemp-derived CBD products (no ingestible products permitted to include food or dietary supplements)

Certified Charitable Crowd Funding

Cloud Based Storage (no Cyberlocker merchants)

Card Present Firearm, Firearms Parts, Ammunition and Accessory Sales

CNP Business to Business Firearms, Firearms Parts, Ammunition and Accessory Sales

Debt Relief

Debt Collection (debt is in collectible status)

Direct and affiliate marketing of merchants associated with the Marijuana business

Direct and indirect sale of drug related paraphernalia and accessories

Hemp – Seeds, Oils, Cultivation (products must contain less than 0.3% THC)

Internet Providers

Medical and Dental Device Sales (Counterfeit and Expired are Prohibited)

Medical Plan Discount

Merchants appearing on MATCH

Merchants that request to modify the terms of their agreement

Mobile Payment Application/Providers/Developers

Multilevel Marketing - no physical product (must have 3 or more years good processing history)

Multilevel Marketing - physical product only

Multilevel Marketing - physical product only - affiliate marketing (must relate to physical product)

Search Engine Optimization (SEO) services

Short Term Consumer Lending

Supplements (also known as Nutraceuticals)

Tech Support (greater than 3 years history)

Telemedicine Services (as an ancillary service to routine office visits- cannot be the primary means of patient interaction)

Timeshare Sales (straight sales only)

Deferred Delivery Merchants as defined by MC rule