Adult

Product/Category

Restricted / Prohibited

Content: Books, magazines, audio, videos, websites, streaming services and other content formats deemed offensive or of a sexual nature

Prohibited

Entertainment: Gentleman's clubs, topless bars, strip clubs, sexually oriented massage parlors, saunas, escort agencies or any sexually- related services

Prohibited

Adult goods (excluding fetish products) Fetish products

Prohibited

Financial Business

Product/Category

Restricted / Prohibited

Bearer share entities

Prohibited

Binary options

Prohibited

Buy now pay later / Instalment payment methods

Prohibited

Credit repair and credit protection business

Prohibited

Debt repayment and collection agency

Restricted

E-wallet or e-money that can be monetized, re-sold or converted to physical and digital goods and services or otherwise exit the virtual world

Prohibited

Financial service or money service business, including but not limited :

• traveler checks
• money orders
• Foreign Exchange
• check cashing
• virtual currencies
• cash advances by non-financial institutes

Prohibited

Fines or penalty collections of any kind

Restricted

Independent or unlicensed financial advisors

Prohibited

Insurance sales and services (life)

Prohibited

Insurance sales and services (non-life)

Restricted

Money transfer & remittance businesses

Prohibited

Payday loans, unsecured loans and loans originating from non FDIC insured banks

Prohibited

Payroll, invoice & business services

Prohibited

Provider or seller prepaid access/stored value

Prohibited

Shell banks

Prohibited

Intellectual Property (IP)

Product/Category

Restricted / Prohibited

Counterfeit products, replicas or designed infringements of them including products designed to circumvent IP

Prohibited

Essay mills, paper mills where the intent is to falsely submit documents as their own work

Prohibited

Products designed to circumvent copyright protection techniques or to otherwise facilitate the unlicensed use of copyrighted material

Prohibited

Marketing Practices

Product/Category

Restricted / Prohibited

Business investment opportunities operating as ‘get rich quick schemes’

Prohibited

Business models that use ransom- or extortion like practices

Prohibited

Business practices that are designed to evade excessive chargeback monitoring programs

Prohibited

Data Pass

Prohibited

Deceptive marketing tactics related to disclosure, false or inaccurate claims, before/after claims, endorsements, cancellation or refunds avoidance, pre-checked opt-ins, poorly disclosed negative options, misappropriation of incentives, disproportionate rebates, sweepstakes

Prohibited

Fake references and other services or products that foster deception Inbound telemarketing for postcard or mailings

Prohibited

Products or services that promote hate, violence, discrimination, terrorism, harassment or abuse in any shape or form

Prohibited

Pyramid selling, chain letters or other financial scams

Prohibited

Other products and services

Industry

Restricted / Prohibited

Charities

Restricted

Crowdfunding

Restricted

Airlines

Prohibited

Ancestry research

Restricted

Animals and wildlife products classified as endangered or protected

Prohibited

Art dealers and galleries

Restricted

Auction houses

Restricted

Bail bonds and bankruptcy lawyers

Prohibited

Bidding fee and penny auctions

Prohibited

Casual dating service

Prohibited

Car and truck rental / sales / importers / car parts

Restricted

Certain social media business (e.g click farms)

Prohibited

Cloud storage, VPN, file sharing, (high-risk) cyber lockers

Restricted

Cruise Lines

Restricted

Direct Marketing – Inbound teleservices, outbound telemarketing and travel-related arrangement services, Insurance services, catalog merchants, door-to-door sale

Prohibited

Drop shipping

Restricted

Governmental services such as embassies or consulates

Prohibited

Hazardous materials (B2B), including but not limited to:

Hydrofluoric acid

Products containing cyanide

Prohibited ozone-depleting substances (ODS)

Nitric acid

Peptides, research chemicals

Bacteria cultures or other products containing E-coli or Escherichia coli

Restricted

Hazardous materials (B2C), as described above

Prohibited

Health practitioners, private medical practices, e-doctors, dental/medical services and facilities

Restricted

Human body parts or bodily fluids (excluding hair and teeth)

Prohibited

Internet product and service providers

Restricted

Intravenous therapy (e.g .IV drip bar, vitamin infusions, hang over cures)

Prohibited

Jewelry, watch, precious stones, metals and silverware stores

Restricted

Key-entry telecom merchant

Prohibited

Live-streaming Services without in-app currency

Restricted

Live-streaming Services with in-app donations functionality

Restricted

Mail order spouse or international match-making services

Prohibited

Medical, dental, ophthalmic and hospital equipment and supplies

Restricted

Medical benefit packages

Restricted

Multi-level marketing

Restricted

Nutraceuticals and food products, not including highly regulated products such as CBD and kava kava

Restricted

Decryption and descrambler products and services, devices designed to block, jam or interfere with cellular and personal communications

Prohibited

Nutraceuticals and food products (highly regulated), including, but not limited to CBD and kava kava related products

Restricted

Political, religious or Social Campaigning

Restricted

Real estate services

Restricted

Telemarketing companies selling products or services as an agent for a third party

Prohibited

Ticket agencies

Restricted

Timeshare and timeshare maintenance

Restricted

Travel agents and tour operators

Restricted

Veterinary practices

Restricted

Services associated with pseudoscience (e.g. clairvoyance, horoscopes)

Restricted

Regulated (non-financial) products & services

Product/Category/Industry

Restricted / Prohibited

Alcohol sales

Restricted

Drugs, and tools specifically intended for the production of drugs, drug paraphernalia, illegal drugs, substances designed to mimic illegal drugs and / or other psychoactive products

Prohibited

Illegal products or services or any service providing peripheral support of illegal activities, including illegal gambling services

Prohibited

Legal gambling or Game of Skill where participants receive cash or cash equivalents or prizes with/of material value: including but not limited to: Casinos, poker, bingo, slot machines, betting, lotteries, racing, fantasy sports

Prohibited

Products or services specifically offered or intended to be used to create, produce or grow drugs or drug ingredients

Prohibited

Pharmaceuticals, prescription medicine and medical devices (including animal pharmaceuticals)

Restricted

Tobacco, smoking supplies, e-cigarettes, e-liquids, vaping liquid, vaping accessories (domestic sale)

Restricted

Tobacco, smoking supplies, e-cigarettes, e-liquids, vaping liquid, vaping accessories (online sale)

Prohibited

Trade of weapons, ammunitions, military arms, explosive devices and firearm parts

Prohibited

Any type of US based gambling services

Prohibited

Securities and trading

Product/Category

Restricted / Prohibited

Cryptocurrency exchange

Prohibited

High-risk securities such as:

• contract for difference (CFD)
• financial spread betting
• initial coin offering (ICO)
• forex currency options
• cryptocurrency options
• trading and purchases

Prohibited

Security brokers /investments of any kind including the purchase of:

• securities
• currencies
• derivatives
• commodities
• shares
• options
• precious metals
• other financial instruments

Prohibited

Third party payment processing

Industry

Restricted / Prohibited

Payment service companies, including but not limited to peer-to-peer, bill payments, commissary accounts

Prohibited

Payment Facilitators or other internet payment or member service providers (IPSP or MPS)

Prohibited

Aggregators, including but not limited to marketplaces, platforms

Restricted

Staged Digital Wallet Operators

Prohibited