PROHIBITED MERCHANT LIST

 

XTP does not onboard merchants that are directly or indirectly engaged in the following:

 

Prohibited Merchant List

  • All Card Brand and Bank Prohibited items not listed
  • Age Verification
  • Aggregators
  • Alcoholic Beverages
  • Any Product/Service Considered Illegal
  • Any Product/Service or Activity Prohibited by MasterCard and/or Visa
  • Artifacts, Graver-Related and Native American Crafts
  • Astrology/Tarot card/Fortune telling/Spells/Sorcery
  • Auctions of any type (penny auctions are prohibited)
  • Authenticity Disclaimers
  • Bail bonds
  • Bankruptcy lawyers
  • Business physically located outside the U.S.A. (offshore acquiring)
  • Business/Investment opportunities operating as “get rich quick schemes” (e.g. real estate purchase with No. Money Down, government grants)
  • Businesses selling age or legally restricted products or services
  • Cell phones/pagers (billing services only), Prepaid Phone Cards, Phone Services and Cell Phones, Phone Unlocking Services and Unlocked Cell Phones
  • Centralized reservation services
  • Chain Letters
  • Charities without 501 (c )(3) or equivalent status
  • Child Support/Alimony
  • Contracts
  • Credit Cards/Credit Card and Identity Theft Protection/Credit Repair or protection services
  • Currency (in and out of circulation), Commodity Exchange
  • Debt Collection

o Mortgage Reduction Services/Mortgage/Loan Modification

o Collection agency services recovering/collecting past due receivable, Payment of last resort where prior method of payment has been difficult to collect or has been uncollectible

o Debt consolidation, interest consolidation services or reduction services

  • Decryption and descrambler products including mod chips
  • Direct Marketing – Subscription Merchants (including Lifetime subscriptions-any product or service)
  • Door to Door Sales
  • E-Cash

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  • Embassy, Foreign Consulate, or Other Foreign Government
  • Essay mills/paper mills (i.e., ghostwriting services that sell essays, term papers, etc. with intent that purchaser will submit documents as their own)
  • Fake references and other services / products that foster deception (including fake IDs and government documents)
  • Fantasy Sports
  • File hosting/sharing services including Cyberlocker and similar storage entities
  • Financial transactions, including but not limited to:

o cash advances (by non-financial institutions)

o check cashing

o currency exchange or dealer

o foreign currency sales or exchange

o money orders/wire transfer

o money transmitter

o Provider or seller of prepaid access/stored value, including both open- loop and closed-loop* exceeding $2,000

o quasi cash or stored value

o securities

o traveler’s checks

*Closed-loop prepaid access includes gift cards, phone cards, subway cards, college campus cards, game cards and other limited-use prepaid access devices when the value can exceed $2,000

  • Fireworks and fire crackers
  • Foreclosure protection/guarantees (including “how to” guides”)
  • Gambling – including but not limited to

o Betting

o Casino Gaming

o Contests

o Illegal gambling including internet gambling

o Internet Gaming

o Legal gambling where the Cardholder is not present when the bet is made as well as for direct purchase of wagers/chips via payment card

o Lotteries

o Lottery clubs

o Odds Making

o Off Track Betting

o Online

o Poker Chips or gambling credits

o Skill Games

o Sports Forecasting

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o State Lottery Merchants

  • Golf Clubs/Accessories (online only)
  • HD DVD and Blu-ray Disc Decryption Devices
  • Human/Animal body parts, remains, cells, tissues, etc.
  • Illegal products and services

o Amyl Nitrite Inhalants

o Any service providing peripheral support of illegal activities (i.e. drugs)

o Bath salts (containing mephedrone, methylone or MDPV)

o Bootleg Recordings

o Counterfeit, Imitation or Knock-off Items

o Drugs and Paraphernalia

o Embargoed Goods, Prohibited Countries

o Good or services in violation of intellectual property rights

o Marijuana, marijuana dispensaries, marijuana products, marijuana services and marijuana related businesses (excluding hemp)

o Psilocybin Mushrooms and Spices

o Psychoactive Herbal Products

o Stolen Property

o 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)- Non- pharmaceutical synthetic Drugs

o Substances made to closely resemble or look like illegal substances

o Substances marketed as producing effects similar to effects of illegal substances

o Unauthorized Copies

  • Jammers or devices that are designed to block, jam or interfere with cellular and personal communication devices/signals (e.g., GPS)
  • Loan payment and loan underwriting
  • Medical Devices
  • Merchants engaged in any form of UDAAP practices
  • Merchants engaged in Data Pass (i.e., merchants up-selling or cross-selling products or other merchants and then sharing the cardholder data with the third party or receiving cardholder data from third parties)
  • Merchants engaged in deceptive marketing practices (e.g., hidden disclosures, bogus claims and endorsements, refund/cancellation avoidance, poorly disclosed negative option, pre-checked opt-in boxes for payment or upsell without cardholder’s active consent)
  • Merchants engaged in unlicensed aggregation and factoring (defined as charging your own personal credit or debit card)
  • Merchants Offering Prizes, free gifts, Sweepstakes, incentives or enticements or the winning of a contest as an inducement to purchase a product and/or service
  • Merchants or principals on MATCH

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  • Merchants that have ransom-like or extortion-like basis for their business model
  • Merchants that use tactics to evade Card Brand excessive chargeback or fraud monitoring programs
  • Money laundering or the Financing of Terrorist Activities
  • Money Transfer businesses, money transmitter, other money service businesses
  • Multi-level / Affiliate Marketing Businesses
  • Negative response marketing techniques by any type of merchant (i.e. customer is automatically charged if merchandise is not returned at the end of a free trial period
  • Nutraceuticals (i.e, food products or other digestibles marketed via- unsubstantiated and/or unlawful health or medical claims, frequently associated with weight loss claims, anti-aging, sexual stimulants, increased energy, etc.)
  • Offensive, Racially or Culturally Insensitive Material
  • Online and/or Non-face-to-face Pharmacy or Pharmacy Referral
  • Pay Day Lenders, payday loans and unsecure loan/lines originating from non-FDIC insured banks, Predatory lenders
  • Payment Facilitators
  • Payment Processors with transactional processing
  • Pharmacies
  • Ponzi/Pyramid Schemes
  • Prescription Drugs and Devices
  • Products/services that promote hate, violence, harassment or abuse
  • Programs on how to apply for low interest credit cards
  • Real Estate Agents and Brokers
  • Real estate purchase with no money down
  • Recalled items
  • Resale of social media “click farms” (e.g. the sale of clicks/likes/reviews/endorsements) and other activity
  • Sales leads/lead generation
  • Security brokers
  • Sexually Oriented or Pornographic Products and Services – including but not limited to

o Audiotext/Videotext

o Adult Book/Video Stores

o Adult Telephone Conversations

o Adult websites and content

o Any products on the internet containing graphic or nude content

o Bestiality

o Companion/Escort Services, Dating Services

o Fetish Products

o Gentleman’s clubs, topless bars, and strip clubs

o Mail order spouse/international match making services

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o Modeling Agencies

o Massage Parlors

o Rape Violence

o Topless Bars/Clubs

o Prostitution

o Sexually oriented dating services

o Video (web-based sexually oriented video)

  • Shipping/Forwarding Brokers
  • Software/Downloadable Software/Spyware/Malware
  • Splitting transactions to circumvent account limitations
  • Structuring (defined as processing the same credit or debit card multiple times within a 24 hour period)
  • Telemarketing companies involved with the following methods of operations:

o Inbound telemarketing companies that receive calls as the result of post cards or similar mailings (as opposed to catalog or media advertising)

o Inbound Telemarketing with an Up-Sell

o Offering a free gift, prize or sweepstakes, contest entry as an inducement to purchase their product or service

o Outbound Telemarketing (all)

o Selling products/services as an agent for a third party

  • Tobacco Products, tobacco-less cigarette or e-cigarette (online only if you are ok with face to face tobacco shops)
  • Travel related merchant to include:

o Airlines (including airlines “nested” under another entity)

o Cruise lines

o Timeshares and Timeshare Programs

o Travel Agencies and Clubs

o Vacation rentals/Lodging

  • Unqualified Multi-Level Marketing Companies
  • Unqualified Pseudo Pharmaceuticals/Neutraceuticals (e.g., anti-aging pills, colon cleansers, detox products, muscle-building, sexual stimulants, weight loss, diet, etc.)
  • Used Vehicles
  • Virtual currency that can be monetized, re-sold, or converted to physical/digital goods/services or otherwise
  • Warranty Companies and Extended Warranty Companies
  • Weapons and ammunitions, and firearm parts, Internet/MOTO