Approved Business Categories
Review which business types are accepted for payment processing. Some industries require additional documentation.
Accepted
Restricted (Additional Review)
Not Accepted
| Business Type | Status |
|---|---|
Adoption Services Excluding animal shelters and established USA locations |
|
Adult Toy Shops (Retail) Card present and CNP accepted |
|
Adult Entertainment / Nudity Excludes strip clubs and adult retail which are acceptable |
|
Animals - Live Sales (CNP) |
|
Antiques |
|
Auction Houses |
|
Bail Bondsmen |
|
Barter Associations |
|
Business to Business (B2B) Must be 80%+ B2B with approved MCC codes |
|
Camera Sales |
|
Cellular Phone / Beepers Services or equipment |
|
Charities |
|
Coaching Services Business, investment, lifestyle, etc. |
|
Coin / Stamp / Collectibles Dealers |
|
Computer Sales |
|
Consumer Lending (CNP) |
|
Contractors / Licensed Professionals Considered low/moderate risk |
|
Coupons / Certificates / Stored Value Cards |
|
Credit Card Protection Services |
|
Cryptocurrency / Crypto Wallets |
|
Custom Made Items |
|
Cyberlockers / File Sharing Services |
|
Daily Fantasy Sports / Games of Skill |
|
Dating Services - Escort Websites (CNP) |
|
Dating Services (Non-Adult) |
|
Debt Consolidation / Loan Modification |
|
Diet Programs Weight Watchers, Nutri-Systems, Jenny Craig, etc. |
|
Door to Door Sales |
|
Drug Testing Products Marketed for masking drug use |
|
Electronics |
|
Financial Aid / MOTO Financial Advice Investment courses, etc. |
|
Financial Consultants Excluding mortgage/loan modification |
|
Fireworks (CNP) |
|
Flea Markets / Kiosks |
|
Free Trials / Negative Option Billing High-risk continuity/subscription |
|
Freight Forwarding - International |
|
Furniture |
|
Gambling / Betting / Casinos / Lotteries |
|
General Agents / Brokers |
|
Golf Clubs - Custom |
|
Home Based Companies Excludes contractors and licensed professionals |
|
Home Furnishings |
|
How-to Books / Newsletters / Subscriptions |
|
Human Growth Hormones Unless prescribed by licensed physician |
|
Illegal Businesses / Activities |
|
Import / Export Card present only |
|
Insurance Agents / Brokers |
|
Intellectual Property / Infringing Materials |
|
Internet / E-commerce Merchants |
|
Knives (CNP) |
|
Limousines / Taxi Services |
|
Magazine / Newspaper Subscriptions |
|
Mail / Telephone Order |
|
Mailing Lists / Lead Generation |
|
Marijuana / Delta Products (THC > 0.3%) |
|
Massage Parlors Excludes legitimate spas/resorts and licensed therapists |
|
Membership Clubs - Health & Sports Less than 1 year advanced payment |
|
Misc. Education |
|
Modeling Agencies (Non-Adult) |
|
Money Service Businesses Currency exchange, check cashing, money transmitters, etc. |
|
Motor Freight Carriers |
|
Moving Companies / Auto Transport |
|
Nutraceuticals (CNP) |
|
Online Games (All Kinds) |
|
Open Bankruptcy Prohibited unless court approved |
|
Outbound Telemarketing |
|
Pawnbrokers / Pawn Shops Must have physical location - No payday loans |
|
Pay Day Lending |
|
Payment Aggregators / E-Wallets |
|
Payment Facilitators |
|
Peptides / Weight Loss Drugs (CNP) |
|
Pharmaceuticals / Pharmacies (CNP) Prohibited without certification |
|
Political / Ideological Products Excludes registered political campaigns |
|
Pre-Paid / Re-Loadable / Gift Cards |
|
Real Estate Agents / Brokers |
|
Restaurants / Food Service |
|
Retail Stores (General) |
|
Shippers / Forwarding Brokers Card present only |
|
Spas / Resorts / Massage Therapists Legitimate, licensed establishments |
|
Strip Clubs (Adult Entertainment) |
|
Student Loan / Scholarship Services |
|
Tanning Salons |
|
Tech Support - Consumer B2C (CNP) |
|
Theatre / Concerts |
|
Time Shares Sales, exit services, and related services |
|
Tobacco Products (CNP) E-liquid, cigars, chewing tobacco, etc. |
|
Travel - Airlines |
|
Travel Agents / Tour Operators |
|
Tribal Entities (CNP) |
|
UDAAP Products / Services Unfair, Deceptive, Abusive Acts or Practices |
|
Used Car Dealers |
|
Verified MATCH Merchants |
|
Water Filters / Purifiers |
|
Web Design |
|
Web Hosting |
Note: This list is subject to change. Electronic Payments reserves the right to amend, change, or add to underwriting terms at any time. Future delivery or periodic billing greater than 12 months is prohibited for all merchants. CNP = Card Not Present.