Prohibited Products and Businesses

Products and businesses related to dangerous, illegal or violent activities
Drugs (Heroin, Cocaine, Methamphetamine, Marijuana, Fentanyl, etc.)
Stolen, embargoed and smuggled goods
Hate, violence, or racial intolerance
Counterfeit goods and other intelligent property violations
Child pornography, child exploitation
Sexually-oriented materials or services
Human trafficking, ransoms
Weapons, firearms and ammunition
Defense company
Bribery or corruption

Products and businesses with high scam or fraud risks
Pyramid schemes, multi-level marketing programs, “Get rich quick” schemes
Direct marketing insurance services, travel-related arrangement, outbound/inbound telemarketing
Door-to-door sales
Gambling, lotteries
Questionable medical or investment benefit, opportunities, services
Circumvention Devices (mod chips, rippers, etc.)
Fortune tellers, astrologers

Products and businesses subject to stringent regulations or have high risks being abused by criminals
Art, antiques, precious metal and stones dealers/wholesaler
Stocks, bonds and futures
Alcohols, Alcoholic beverages
Cigarettes, E-cigarettes or non-cigarette tobacco products
Animals and wildlife products
Prescription drugs and devices
Medical Devices (i.e. contact lenses, pacemakers, surgical instruments, etc.)
Off-shore banking
Virtual currency, currency
Consumer credit reporting agencies
Credit repair services
Pawn shops
Bail bond payments
Second hand stores, used merchandise stores
Real estate sales
Timeshares
Dating and escort services
Debt, marriage, counseling services
Detective agencies, protective agencies, security/bodyguard services
Massage Parlors

High Risk Products and Businesses

❗️
Require Enhanced Due Diligence (EDD) and Compliance approval

Products and businesses with high money laundering or fraud risks
Charities, non-profit, religious/political organizations accepting donations, fundraising
Crowd-funding
Associations Civic, Social, and Fraternal
Auction
Aggregator
Money services / money transfers businesses
Quasi cash financial services (i.e. traveler’s check, money orders)
Prepaid cards, store-value facilities, remote stored value load
Billing, collections, escrow services
Insurance (annuities, life)
Member financial institution (manual & automated cash, merchandise, quasi cash)
Art, antiques, fine jewelry
Virtual products, digital goods, online games
Video game arcades/establishments
Industrial machinery and materials, lab and scientific equipment (over $500,000 per contract)
Automobiles
Airlines, air carriers
Passenger railways, limousines and taxicabs, cruise Lines
Courier services air and ground, freight
Telecommunication services
Cable, satellite, and other pay television and radio
Direct marketing (catalogue merchants, combination catalogue and retail, continuity/subscription)
Pre-selling models for non-custom orders
Legal, accountant and tax services
Travel agency, ticketing services, and tour operators
Employment agencies, temporary help services
Theatrical and motion pictures producers and ticketing
Amusement parks, carnivals, circuses
Athletic fields, commercial sports, professional sports
Country and membership clubs