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Advanced payments greater than 1 year (any product or service)
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Any adult products and services including but not limited to: o Audiotext (Phone Sex) o Web based sexually oriented chat o Videotext (images via the Internet) o Sexually oriented dating services o Companion/Escort services o Prostitution o Adult toys, bookstores, strip clubs and other misc adult entertainment, services or products o Memberships, clubs, subscriptions o
Any products on the internet containing graphic or nude content o Any illegal activity (ie, child pornography, bestiality, etc)
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Aggregators/Third Party Payment Processors- falling outside MasterCard/Visa and FDMS approved program requirements (See Payment Facilitators/Internet Payment Service Providers under High Risk/Tier II segment of the policy)
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Airlines
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Any illegal products/services or providing peripheral support of illegal activity
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Bidding fee auctions (a/k/a penny auctions)
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Business/Investment opportunities operating as Get rich quick schemes (including Internet search/ad optimization)
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Cash advances (except regulated Financial Institutions which are acceptable)
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Cash gifting
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Chain letters
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Charities (without evidence /proof of 501( C ) (3) status)
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Check cashing establishments
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Collection agencies or firms involved in recovering/collecting past due receivables
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Companion/Escort services
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Credit card protection or identity theft service
 Credit repair/Restoration
 Cruise lines
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Currency exchanges
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Debt consolidation or reduction services
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Drug paraphernalia of any form
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Embassy, Foreign Consulate, or other Foreign Government
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Essay mills/Paper mills
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Extended warranty companies
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Foreclosure protection/guarantees
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Government grants
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Herbal smoking blends and herbal incense
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How to books, newsletter, subscription or on line access for ANY industry shown in the Unqualified list
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Illegal gambling including Internet/MOTO gambling
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Lifetime subscriptions (any product or service)
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Lottery clubs
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Mail order brides and international match-making services
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Medical benefits packages (including discount medical cards)
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Marijuana dispensaries (and affiliated services)
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Merchants engaged in activity prohibited by the Card Brands
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Merchants or Principals listed on MATCH

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Merchants, Principals or related entities previously identified by any Card Brand for deceptive practices or any other violation of Card Brand rules
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Merchants physically located outside the United States (offshore acquiring)
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Merchants in a Card Brand excessive chargeback or fraud program or merchants with chargeback or fraud rates over 1%
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Merchants that use tactics to evade Card Brand excessive chargeback or fraud monitoring programs
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Merchants up-selling or cross-selling products of other merchants and then sharing the cardholder data with the third party or receiving cardholder data from third parties (Data Pass).
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Merchants splitting the sale across multiple transactions
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Merchants offer rebates or special incentives (ie, free gift, prize, sweepstakes or the winning of a contest as an inducement to purchase a product/service).
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Merchants primarily engaged in the sale of stored value cards in a card not present environment.
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Merchants engaged in any form of deceptive marketing practices including but not limited to: o Hidden disclosure o Bogus claims & endorsements o Pre-checked opt in boxes o Refund/Cancellation Avoidance
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Money services businesses
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Money transfer services
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Mortgage/Loan modification
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Mortgage reduction services
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Multi-level marketing or pyramid schemes where the primary objective is the solicitation of new distributors and not the sale of products/services
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Negative renewal option following a free or low cost purchase (including but not limited to payment for shipping only model, free or discounted trial periods, etc.) for the following industries: o Nutraceuticals (e.g. acai berry or health related teas or drinks etc) o Pseudo-pharmaceuticals (e.g. weight-loss, anti-aging, muscle building, sexual stimulant supplements, colon cleansers, detox products, hCG, HGH-like substances etc) o Beauty/Cosmetic products (e.g., teeth whitening products, anti-wrinkle creams, tanning sprays etc) o Medical devices and products (e.g. glucose strips etc)
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Non face to face sale of prescription drugs
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Non face to face sale of tobacco products or other smoking products (including e-Cigarettes/smokeless cigarettes)
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Non Face to face sale of firearms (mail/telephone order, internet)
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Quasi Cash
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Replicas/Counterfeit goods-designer name products
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Substances designed to mimic illegal drugs (including herbal smoking blends & herbal incense)
 Travel-Outbound Telemarketing (MCC 5962)-including Discount Travel Clubs, membership or Subscriptions to
Travel Services or Newsletters where subscribers may select prepackaged trips.
 Virtual Currency (that can be monetized, resold, converted, traded into physical/digital goods & services outside the virtual world)
• Alcohol sales, Internet/MOTO (excluding wineries that follow age verification at the time of the sale and delivery and business to business/wholesale sales)
• Computer software (e.g. anti-virus) sold via inaccurate advertisements
• Decryption and descrambler products including mod chips
• Fake references and other services/products that foster deception (including fake IDs and government documents)
• File sharing services/cyber lockers
• Funds/loss recovery
• Ammunition, and gun parts (Internet/MOTO)
• IT services help desks
• Jammers or devices that are designed to block, jam or interfere with cellular and personal communication devices/signals
• Merchants that have ransom-like or extortion-like basis for their business model (e.g. mugshot removal)
• Money Services Businesses were further clarified to include:
Provider or seller of prepaid access/stored value, including both open-loop and closed-loop exceeding $2,000 on any day. (Closed-loop prepaid access includes gift cards, phone cards, subway cards, college campus cards, game cards and other limited-use prepaid access devices)
O Issuer/seller/redeemer of money orders or traveler’s checks
• Internet/MOTO nutraceuticals (e.g. acai berry, health related teas, herbal remedies or drinks, etc.) regardless of billing methods
• Payday loans and unsecured loan/lines originating from non FDIC insured banks
• Products/services that promote hate, violence, harassment or abuse

• Internet/MOTO Pseudo-pharmaceuticals (e.g. weight-loss, diet pills, anti-aging, anti-wrinkle creams, teeth whitening products, muscle building, sexual stimulant supplements, male enhancement products, colon cleansers, detox products, glucose strips, HCG, HGH-like substances etc.) regardless of billing methods
• Social media “click farms” (e.g., the sale of clicks/likes/reviews/endorsements on social media sites)
• Telemarketing (outbound) merchants (MCC 5966) - Companies that solicit orders primarily with outbound telephone calls, facsimile or email. Includes “Up-Sellers.”
• Telemarketing (inbound) merchants (MCC 5967) - Audio text or videotext that customers access via phone, fax or internet.
• Timeshare resellers
• Web hosting companies, Internet/MOTO