The products/services listed below are prohibited for merchants in the US. These products/services typically cause excessive chargebacks and fraud activity which may result in the imposition of fines and other reputational/non-reputational risks to MONEI.


  • Adult (where adult toys compromise the primary part of the merchant's business)/pornography
  • Aggregators
  • Airlines/Air Carrier
  • Animals (excluding pet stores)
  • Audio text (800 and 900 Numbers)


  • Bail Bond Services
  • Business Opportunities (including but not limited to Work-At-Home/ Money-Making, or Investing Clubs 
  • Buying/Shopping Clubs 


  • Calling Cards/Phone Cards
  • Chain Letters
  • Casino/Gaming/Chips/Betting Activities (with or without monetary prizes)
  • Cell Phone Airtime
  • Check Cashing Services
  • Coin & Stamp Stores
  • Collection Agencies
  • Computer Bulletin Board
  • Counterfeit/Replica Goods
  • Coupon/Gift Certificates
  • Credit Card and ID Theft Protection Services
  • Credit Repair Services/Credit Insurance
  • Cruise Lines


  • Dating/Matchmaking (e-Commerce) 
  • Debt/Mortgage Reduction/Refinance/Counseling 
  • Debt Consolidation/Negotiating 
  • Decryption and Descrambler Products (includes modification chips) 


  • Employment Agencies that process transactions through e-Commerce and/or by mail/telephone order) 
  • Escort/Companion Services 
  • Essay Mills/Paper Mills i.e. ghost writing services 


  • Firearms and ammunition (where firearms and ammunition comprise the primary part of the merchant's business) 
  • Foreign Currency Exchange 
  • Freight Forwarding Fulfillment House


  • Gambling/Gaming/Fantasy Leagues (with or without monetary prizes)
  • Get Rich Quick Scheme 
  • Government Grants


  • Hair Restoration Services
  • Horoscopes/Fortune Telling/Psychics (e- Commerce and mail/telephone order) 


  • Immigration Services-Nongovernmental (Passport/Visa/ Citizenship/Naturalization)
  • Illegal Products or those being marketed illegally
  • Import/Export 
  • Infomercials 
  • Investor Services 


  • Lottery/Raffles 


  • Male/Female Enhancements - (non-FDA approved) 
  • Massage Parlor (unlicensed)
  • Marijuana
  • Membership Clubs/Organizations (excluding not for profit, governmental, charitable, and social service organizations with >2 years in business) 
  • Modeling Agencies
  • Mortgage Brokers/Reduction Services/Refinancing 
  • Mugshot Removal Services 
  • Multi-level Marketing


  • Negative Option Response Marketing Sales Methods (i.e. free/low-cost trial offers)
  • Nutritional Supplements/Vitamins/Herbals/Ps euoPharmaceuticals/Nutraceutical s/Nutraceuticals sold through mail order/telephone order or e- commerce and utilize negative option/response marketing sales methods (i.e. free or low-cost trial offers) to include but not limited to: Acai Berry, Colon Cleanse, Detoxification, Hoodia, Human Chorionic Gonadotropin (HCG), Human Growth Hormone (HGH), Noni Juice, Peptides, Steroids, Testosterone Raspberry Keytone, Kratom, African Mango, Ephedra, Green Coffee, Garcinia Cambogia, Foreskolin, Cannabidiol (CBD), Botox, Teeth Whitening 


  • Online Auctions/Online Malls/Penny Auctions
  • Outbound Telemarketing (5966)
  • On-line/Virtual: File/Data Storage, Transfer, Sharing including cyber- lockers, cloud/remote storage or any means of storing and sharing data


  • Payday Loan Service (6051)
  • Prize Giveaways
  • Pay Per Click Web Merchants “Parked Websites” (i.e. those that disguise or mask a merchant's actual website)
  • Prescription Drugs (e-Commerce or mail/telephone order)
  • Products with Unreasonable Guarantees/ Gimmicky Products
  • Pyramid/Ponzi Schemes 
  • Pseudo/synthetic/designer drugs/mood altering substances such as bath salts or incense 


  • Real Estate Seminars 


  • Seminars (e-Commerce and mail/telephone order)
  • Software Downloads (Music/Movies)
  • Sports Forecasting (5967)


  • Talent Agencies
  • Telemarketing Services (inbound and outbound)
  • Telephony Services (Voice Over Internet Protocols (VOIP)
  • Third Party Billing
  • Ticket Sales (provided by Brokers or Promoters)
  • Timeshares
  • Timeshare Advertising
  • Tobacco Sales (e-Commerce or mail/telephone order)
  • Travel Agencies/Tours/ Clubs/Charters with future delivery


  • Warranty Programs (excluding those where payment is required every 30 days or less)
  • Weapons (where knives/swords comprise the primary part of the merchant's business and are sold through e-commerce or mail/telephone order)
  • Wholesale Clubs
  • Wire Transfer/Currency Service/Money Transfer/ Quasi-Cash/Virtual Currency/ Cash Advances by Non-Banking Institutions
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