Merchants or beneficial owner(s)/principal(s) with adverse findings

Adoption Agencies – For Profit

Adult, Sexual oriented or pornographic products and services (all media types: internet, telephone, printed material, etc.) – including but not limited to:

Advanced payments greater than 1 year (any product or service)

Affiliate marketing businesses

Agent Banks

Age verification services

Aggregators/Consolidation businesses

Animal breeding

Any merchant operating outside the license area of PayRex and/or its affiliates

Merchants with Authenticity disclaimers for items they sell

Automated fuel dispensers

Auto Title Lenders

Bail Bonds

Bandwidth or Data Transfer/allied services

Bankruptcy lawyers

Bearer Shares

Bidding fee auctions including Penny auctions

Brand or reputational damaging, potential or otherwise, activities including but not limited to occult materials, non-consensual mutilation of a person or body part

Bulk marketing tools which includes email lists, software, or other products enabling unsolicited email messages (spam)

Buyers clubs/Membership clubs

Cash gifting

Centralized reservation services

Chain letters

Payment facilitating service

Child Support/Alimony

Collection agencies engaged in the collection of:

Commodity exchange or dealers

Commodity trading or Security trading (which includes stocks, bonds, mutual funds or related financial products or investments)

Computer hardware and repair (home-based)

Computer software sold via inaccurate advertisements

Unauthorized sale of copyrighted media

Unauthorized sale of copyrighted software

Credit card protection or Identity theft service

Credit counseling, Credit repair or Restoration services

Crowd Sourced Fundraising for the purchase of stock or equity, a promise is made to deliver a good or service in the future, or there is little or no consideration in return for the payment or donation

Publicly accessible Cyberlocker merchants (also known as file-sharing, file-hosting services, cloud-based storage services and online file-storage), including

Debt elimination, Debt reduction or Debt consulting services, including mortgages

Decryption, descrambler, and circumvention products and services including but not limited to:

Direct Marketing

Discount medical or dental plans including discount insurance

Distressed property sales and/or marketing

Door to door sales

Drug test circumvention aids which includes drug cleansing shakes, urine test additives, and related items

Endangered species (or any part or derivative thereof), which includes plants, animals, or other organisms in danger of extinction

Essay mills/paper mills

Fake references and other services/products that foster deception (including fake IDs and government documents)

Financial transactions, including but not limited to:

Fly-by-night Freight Forwarders/Shipping or Forwarding Brokers

Foreclosure protection/guarantees (including "how to" guides)

Fulfillment Centers/Houses

All forms of gambling activity in physical establishments and online including but not limited to:

Custom Golf Clubs/Accessories (online only)

Goods or services that represent a violation of all applicable laws, statutes, or regulations

Government grants

Hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, websites, or other protected property

High interest rate non-bank consumer lending including payday lending, unsecured and title loans

High-risk products and services

How to books, newsletters, subscriptions or online access for any industry shown on the prohibited list

Human/Animal body parts, organs, remains, cells, tissues, etc. – live, cultured/preserved or from cadaver

Illegal products and services which includes materials, products, or information promoting illegal goods or enabling illegal acts

Infomercial merchants

In-house financing

Investment or “Get Rich Quick” Merchants, Businesses, Programs or Opportunities

Live animals or hides/skins/teeth, nails, and other parts

The use of credit to pay for loan payments

Mail order spouse and international match-making services

Marijuana, marijuana products, marijuana services, and marijuana related businesses (medical or otherwise; including hemp)

Marketing Activities involving “pay only for shipping” and/or “free trial” periods

Massage Parlors, non-licensed

Medical Devices (sold directly to consumers that require a license to obtain)

Merchants engaged in Data Pass

Merchants engaged in deceptive marketing practices

Merchants engaged in unlicensed aggregation and factoring

Merchants offering “rebates or refunds”

Merchants that have ransom-like or extortion-like basis for their business model

Merchants that use tactics to evade Card Scheme excessive chargeback or fraud monitoring programs

Money laundering or the Financing of Terrorist Activities

Negative option, renewal, or continuity subscription practices or any negative response marketing techniques by any type of merchant

Offensive goods, crime which includes crime scene photos or items, such as personal belongings, associated with criminals

Payment processors with transactional processing

Personal enhancement products, supplements and/or nutraceuticals unless licensed by the FDA or has a permit to operate from the FDA

Phone unlocking services and unlocked pre-owned cell phones

Ponzi/Pyramid Schemes/Matrix sites or websites using a matrix scheme approach

Products, services, or activities that are deceptive, unfair, predatory

Products/services that defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors

Products/services that promote intolerance, hate, violence, harassment, or abuse

Products that infringe on the intellectual property rights of others, including counterfeit goods or any product or service that infringes on the copyright, trademark, or trade secrets of any third party (any merchant)

Products or services with unreasonable claims or guarantees

Programs on how to apply for low interest credit cards

Pseudo-Pharmaceuticals (excluding licensed Nutraceuticals and Supplements with a valid Certificate of Product Registration issued by the Food and Drug Authority), food products or other digestibles marketed via unsubstantiated and/or unlawful health or medical claims

Psychic services

Psychoactive substances

Pyrotechnic devices and hazardous materials which includes fireworks and related goods; toxic, flammable, and radioactive materials and substances

Radical groups of ideology

Real Estate Flipping

Regulated goods

Religious associations not registered as a non-profit organization with the applicable government/regulatory entity

Sales leads or lead generation

Scrip-dispensing terminals accepting credit cards (any merchant)

Selling or Resales of Social Media “click farms” (e.g. the sale of clicks/likes/reviews/endorsements) and other similar activity

Shell banks (defined as a bank that does not maintain a physical presence in any country)

Software/ Downloadable Software that are high risk for items such as Spyware/Malware

Splitting transactions to circumvent account limitations/ Structuring Staged digital wallets

Unauthorized streaming services

Teeth whitening (Internet/MOTO)

Telemarketing companies involved with the following methods of operations:

Traffic devices, which includes radar detectors/jammers, license plate covers, traffic signal changers, and related products

Unqualified Multi-level marketing companies

Unregistered charities and nonprofits

“Up-Sell” Merchants

UseNet

Virtual currency/cryptocurrency or credits that can be monetized, re-sold, or converted to physical or digital goods or services or otherwise exit the virtual world

Voice process/knowledge process services

Warranty companies and Extended warranty companies

Weapons which includes firearms ammunition, knives, brass knuckles, gun parts and other armaments (includes life-like replica e.g. Airsoft)

Web-based telephony/SMS/Text/Facsimile services

Wholesale currency, which includes discounted currencies or currency exchanges

Any other activity deemed by PayRex to be similar to those activities listed on the prohibited list