Prohibited Businesses List

E-Cigarettes
Illegal Drugs and related Paraphernalia
Non-pharmaceutical synthetic Drugs
Online and/or Non-face-to-face Pharmacy or Pharmacy Referral
Substances designed to mimic illegal drugs and/or other psychoactive products
Inhalants / Amyl Nitrite
Marijuana (Cannabis or CBD) or direct relationships to industry

Advanced payments greater than 1 year (any product or service)
Extended Warranty Companies
Lifetime subscriptions (any product or service)

Money Services Businesses
Cash Advances, Cash Gifting, Check Cashing
Currency, Commodity Exchange, Foreign Exchange, Money Transfer Businesses
Credit Card Protection
Credit Repair Agencies
E-Cash, Digital cryptocurrency and/or cybercurrency
Mortgage Reduction Services / Mortgage/ Loan Modification/ Consulting services
Predatory Lenders
Programs on how to apply for low-interest credit cards
Quasi Cash
Wholesale currency, which includes discounted currencies or currency exchanges
Collection Agencies or firms involved in recovering/collecting past due receivables
Foreclosure Protection/Guarantees (including “how to” guides)
Financial Recommendations
Insurance Sales – Premiums Underwriting
Credit Counseling
Debt/Interest Consolidation Services or Reduction Services
Loan and Finance Companies (include peer to peer funding and crowd funding with processing)

Massage Parlors
COVID-19 tests, cures, treatment, and prevention
Astrology/Tarot Card/Physics

Direct Marketing
“Get Rich Quick” Schemes
Hate-related material
Deceptive Marketing Practices
Merchants offering free gifts, prizes, sweepstakes, incentives, or enticements, the winning of a contest as an inducement to purchase a product or service
Multi-level / Affiliate Marketing Businesses Negative renewal option business models
“Up-Sell” Merchants
Negative Option Billers
Ponzi Schemes
Rebate-Based Businesses

Companion/Escort Services, Dating Services
Bride Catalog /Mail Order Spouse/International Match Making Services

Pawn Shops
Counterfeit Goods / Replicas
Custom Golf Clubs & Accessories
Weapons or Gun Dealers
Any Product/Service considered illegal

Cyberlocker and similar storage entities
Phone Unlocking Services
Prepaid Access, Phone Cards, Phone Services and Cell Phones
Resale of Social Media Activity
Social Media “Click Farms” (e.g. the sale of clicks/likes/reviews/endorsements)
Spyware
Jammers
Malware
Unlock Software/Services

Airlines
Cruise Lines
Travel Agencies
Travel Clubs
Timeshare Programs

Gambling
Age Verification
Animal Breeding
Brand or reputational damaging, potential or otherwise, activities including but not limited to Occult materials, non-consensual mutilation of a person or body part
Fake references and other services / products that foster deception (including fake IDs and government documents)
Merchants that have ransom-like or extortion-like basis for their business model
Paper Mills (AKA Essay or Term Paper Mill)
Penny Auctions