| Adult Content & Services | Activity related to pornography, pornographic subscriptions, prostitution, pay-per view, adult live chat, escort or companionship services, or any other obscene materials (including literature, imagery, and other media); any product or service that promotes underage, non-consensual, or other illegal sexual themes. |
| Consumer Safety | Any goods or services that are dangerous, violent, or present an unreasonable risk to consumer safety (e.g., firearms, weapons, explosives, ammunition, and related accessories.) |
| Counterfeit and Stolen | Activity related to fraudulent, counterfeit brand name or designer products or services (e.g. knock-offs, imitations, bootlegs); goods or services that are illegal, illegally imported, exported, or stolen, including digital and virtual goods. |
| Drug Paraphernalia | Activity related to narcotics, controlled substances, substances that provide the same effect as an illegal drug (e.g., salvia, kratom), and any equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs. Activity related to pharmacies, pharmaceuticals, pseudo pharmacies (e.g., anti-aging pills, sexual stimulants, weight loss, diet, etc.) or supplements, including internet, mail order, or telephone order pharmacies or pharmacy referral services (where fulfillment of medication is performed with an internet or telephone consultation, absent a physical visit, including re-importation of pharmaceuticals from foreign countries.) |
| Deceptive Products & Services | Any products or services that are fraudulent, deceptive, or designed to enable dishonest behavior (e.g., academic paper writing and test-taking services, hacking materials, devices for circumventing traffic rules.) |
| Discrimination & Harassment | Activity, content, or communications (oral or written) including anything that promotes violence, discrimination, or incites hatred against individuals or groups based on protected characteristics, is explicit, abusive, or hateful. This includes without limitation activities that defame, abuse, extort, harass, stalk, threaten or otherwise violate or infringe the legal rights of others. |
| Financial Services | Any activity related to providing financial services, including: money services businesses, predatory loans and lending, credit repair and debt relief services, credit protection or identity theft protection services, debt collection services, bail bonds, buyers or membership clubs, peer-to-peer transactions; cryptocurrency activities; broker dealer or registered investment activity; wire transfers or money orders; prepaid cards; gift cards. |
| High Risk | Activity with elevated financial risk, legal liability, or violates card network rules or bank policies |
| Illegal | Activity involving unlawful or illegal goods or services, including any federal or state law, statute, regulation, or ordinance. Activity related to bribes and corruption Activity that may be in violation of regulations administered by the United States Department of the Treasury’s Office of Foreign Asset Control (31 C.F.R. Parts 500-599). |
| Intellectual Property | Activity that violates or infringes on another’s right of privacy, publicity, or intellectual property (patent, copyright, trademark, etc.) |
| Minors | Activity involving child endangerment, including anything that sexualizes minors or appeals to children but contains adult themes. |
| Network Marketing Programs | Activity related to get-rich-quick schemes, multi-level marketing, pyramid schemes, and ponzi schemes. |
| Prior Written Consent | Any Transaction requiring prior written consent without obtaining proper consent. |
| Long Term Subscriptions and Memberships | Activity related to subscriptions or memberships in excess of one year (e.g. 2-year, 3-year, lifetime, etc.) |
| Tobacco | Activity involving tobacco, e-cigs, and vaping. |
| International | Activity for or related to a business located outside of the 50 states of the United States or an international seller (i.e., a business without an operating entity in one of the 50 states of the United States and a U.S. domestic bank account.). This restriction does not apply to activity for or related to a business located on a U.S. military base, embassy, or consulate on foreign territory or in a U.S. territory or possession. |
