Are you able to work with CBD and other high-risk industries?

List of prohibited Industries:

• Advanced payments greater than 1 year
  • Online Alcohol sales, Internet/MOTO (excluding wineries that follow age verification at the time of sale and delivery and business to business)
  • All adult products and services
  • Airlines
  • Any illegal products/services or providing peripheral support of illegal activity
  • Bidding fee auctions (a.k.a. penny auctions)
  • Business/investment opportunities operating as get rich quick schemes (e.g. real estate investment with no money down, work from home etc.)
• Cash gifting
• Chain letters
• Charities without evidence/proof of 501(c) (3) or equivalent status
• Collection agencies or firms involved in recovering / collecting past due receivables
• Companion/escort services
• Computer software (e.g. anti-virus) sold via inaccurate advertisement
• Counterfeit goods/replicas
• Credit card protection or identity theft service
• Credit repair/restoration
• Cruise lines
• Debt/interest consolidation or reduction services
• Decryption and descrambler products including mod chips
• Drug paraphernalia of any form
• Embassy, foreign consulate, or other foreign government
• Essay mills/paper mills
• Extended warranty companies
• Fake references and other services/products that foster deception (including fake IDs and government documents)
• File sharing services/cyberlockers
• Firearms, ammunition, and gun parts (Internet/MOTO)
• Foreclosure protection/guarantees
• Funds/loss recovery
• Gambling-internet and other card not present gambling
• Government grants
• Herbal smoking blends and herbal incense
• How to books, newsletters, subscriptions or on-line access for ANY Industry shown in this unqualified list
• IT services help desks
• Jammers or devices that are designed to block, jam or interfere with cellular and personal communication devices/signals
• Lifetime subscriptions (any product or service)
• Lottery clubs
• Mail order spouse and international match-making services
• Marijuana, marijuana products, marijuana services, and marijuana related businesses
• Medical discount benefits packages (including medical cards)
• Merchants engaged in activity prohibited by the Card Brands
• Merchants or principals listed on MATCH
• Merchant, principal or related entities previously identified by any Card Brand for deceptive practices or any other violation of Card Brand rules.
• Merchants physically located outside the United States (offshore acquiring)
• Merchants in any Card Brand excessive chargeback or fraud program or merchants with chargeback or fraud rates over 1%
• Merchants that use tactics to evade any Card Brand excessive chargeback or fraud monitoring programs
• Merchants splitting the sale across multiple transactions
• Merchants offering rebates or special incentives (ie, free gift, prize, sweepstakes or the winning of a contest as an inducement to purchase a product/service or cash competitions).
• Merchants that have ransom-like or extortion-like basis for their business model (e.g. mugshot removal)
• Merchants engaged in any form of deceptive marketing practices including but not limited to:
  • Hidden disclosures
  • Bogus claims & endorsements
  • Pre-checked opt in boxes
  • Refund/cancellation avoidance
  • Poorly disclosed negative options
  • Merchants primarily engaged in the sale of stored value cards in a card not present environment.
  • Money Services Businesses
  • 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)
  • Money transmitters
  • Wire transfer
  • Quasi-cash
  • Cash advances (by non-financial institutions)
  • Currency exchange or dealer
  • Issuer/seller/redeemer of money orders or traveler’s checks
  • Check cashers
  • Mortgage/loan modification
  • Mortgage/credit/debt reduction/consulting services
  • Multi-level marketing or pyramid schemes where the primary objective is the solicitation of new distributors and not the sale of products/services
  • Negative renewal option following a free or low cost purchase (including pay for shipping only offers) where any of the following apply;
  • The term and conditions pertaining to the free trial and/or recurring charges do not contain clear disclosure to billing practices
  • Contain cancellation obstacles
  • Do not provide reminders prior to billing

Nutraceuticals (e.g. acai berry, health-related teas, herbal remedies or drinks, etc.), Internet/MOTO

• Payday loans and unsecured loan/lines originating from non FDIC insured banks
• Payment facilitators/third party payment processors/aggregators/payment services companies (e.g., bill pay services, crowd funding, peer-to-peer payments, digital wallets, commissary accounts) outside of MC/Visa and FDMS approved program requirements (See Payment Facilitator under High Risk segment of policy)
• Prescription drug sales, Internet/MOTO
• Products/services that promote hate, violence, harassment or abuse
• Pseudo-pharmaceuticals (e.g. weight-loss, 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.), Internet/MOTO
• Social media “click farms” (e.g., the sale of clicks/likes/reviews/endorsements on social media sites)
• Substances designed to mimic illegal drugs and/or other psychoactive products (e.g., K2, salvia divinorum, nitrite inhalers, bath salts, synthetic cannabis, kratom, herbal smoking blends & herbal incense)
• 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) -Audiotext or videotext that customers access via phone, fax or internet.
• Telemarketing (Outbound) travel merchants (MCC 5962) – including discount travel clubs, membership or subscriptions to travel services or newsletters where subscribers may select prepackaged trips.
• Timeshare resellers
• Tobacco products (including e-cigarettes), Internet/MOTO
• Virtual currency (that can be monetized, resold, converted, traded into physical/digital goods & services outside the virtual world)
• Webhosting companies, Internet/MOTO