| Adult Media Entertainment (where adult media is the primary product or service offered) (5967) |
| Aggregators (i.e., Payment Facilitators) |
| Airlines/Air Carrier (4511) (3000-3298) |
| Audio text (800 and 900 Numbers) (5967) |
| Binary Options Trades (6051) |
| Buying Clubs (with membership fees deemed by Bank to be excessive) (7278) |
| Cannabis (medical or recreational) including seeds (5499) |
| Check Cashing Services (6012) |
| Child Pornography or anything that suggests child pornography, including any website that uses the following terminology to market their product("lolita", "paedo", "preteen", etc.) (5967) |
| Circumvention Devices (5999) |
| Collections (Debt Buyers) (6051) |
| Copyright and Trademark Infringement |
| Counterfeit/Replica |
| Cruise Lines (4411) |
| Crypto-Currency Processing (unless approved by Bank Management) (6051) |
| Debt/Mortgage Reduction/Modification/Refinance (except fee-based programs conducted by legitimate law firms and approved by bank) (8999) |
| Decryption and Descrambler Products (includes modification chips) |
| Digital Wallet Merchants (6051) |
| Direct Marketing - Travel Related (5962) |
| Direct Marketing - Outbound Telemarketing (5966) |
| Direct Marketing - Adult Online & Inbound Telemarketing (5967) |
| Discount Membership Plans (depends on product/service sold, requires Bank approval) (5300) |
| Extended Warranty Companies (if greater than 1 yr.) (5960) |
| Factoring of Transactions |
| Firearms - Such as pawn shops that deal in firearms, merchants who sell gun parts without a License; Merchants who sell at gun shows, critical firearm components |
| Foreign Currency Exchange (Forex merchants including bitcoin or other crypto-currency processing) (6012) |
| Firearms transactions associated with the sale and purchase of privately made firearms |
| Gambling/Gambling Related |
| Land-based Casinos (Card-present, including regulated betting, lottery tickets, casino gaming chips, off-track betting, wagers at race tracks, and games of chance to win prizes of monetary value) (7995) |
| Get Rich Quick Schemes |
| Gentlemen’s Clubs (unless approved by Bank Management) (5813) |
| Government Service assistance or facilitation where it is free to consumer (i.e., fishing or driver's license obtainment) |
| Grants, the listing of or facilitation of any public/private/government grant or funds (7299) |
| Gadgets (unless approved by Bank Management) |
| Gadgets/Affiliate Marketing (except for Nutra and Digital Goods) |
| Immigration Services - Non-governmental (Passport/Visa/Citizenship/Naturalization - depends on model and legality if the agency allows) (7299) |
| Illegal Products or those being marketed illegally |
| Illegal Content (i.e., bestiality, rape, hate, violence, incest or anything that suggests these acts) |
| Illegal Substances and Products (drugs, human organs, weapons, etc.) |
| Investor Services (Binary Trades, Forex trades, etc.) (6051) |
| Kratom, kava, khat |
| Loan Modification (8999) |
| Lead Generation Services / Lead Lists (7399) |
| Marketplaces - Online (unless approved by Bank Management) |
| Massage Parlors unlicensed/ Massage Parlors home based unlicensed |
| Marijuana (medical and recreational) (5499) |
| Money Transfer - Merchant (4829) |
| Money Service Providers (MSB's) (4829) |
| Mortgage/Loan/Debt/Modification/Brokers/Reduction Services/Refinancing (except fee based programs conducted by legitimate law firms and approved by the Bank) (8999) |
| Mugshot Removal Services (5999) |
| Multi-level Marketing (unless approved by Bank Management) (5969) |
| Online Auctions/Online Malls/Penny Auctions (8999) |
| Outbound Telemarketing (5966) |
| Online/Virtual, File/Data Storage, Transfer, Sharing including cyber-lockers, cloud/remote storage or any means of storing and sharing data (7372) |
| Online Sporting Goods (who sell firearms) (5941) |
| Payday Loan Services / Short Term Lenders (6012) |
| Payment Facilitators (unless approved by Bank Management) |
| Peptides (Injectable Growth Hormone) |
| Prize Giveaways |
| "Parked Websites" (i.e., those that disguise or mask a merchant's actual website) |
| Prescription Drugs (ecommerce and MOTO) (5912) |
| Products with Unreasonable Guarantees/ Gimmicky Products |
| Pyramid/Ponzi Schemes |
| Pseudo/synthetic/designer drugs/mood altering substances such as bath salts or incense (5499/5868) |
| SARMS |
| Securities (High Risk Trades) (6051) |
| Software Downloads (not produced/distributed by merchant) (5817) |
| Synthetic Drugs, spice/k2, shilajit, HCG, HGH, amino acids, DMAA, Apetamin |
| Streaming Services/Content (whereby the merchant does not have licensing from each IP owner to stream/resell content) |
| Tax Relief/Fine or Penalty Reduction assistance or facilitation (7276) |
| Telemarketing Services (inbound and outbound) (5962 & 5966) |
| Telemedicine Services (unless legally compliant) |
| Timeshare Sales MCC 5962 - (prohibited unless approved by Bank Management) |
| Travel – Unless approved by Bank Management |
| Warranty Programs (past 1 yr.) (5960) |
| Weapons (where the weapon is illegal such as bump stocks, etc.) |
