Our license is not limitless and we cannot always support every business model. New restricted categories may be added or existing ones removed depending on our partners. We will do our best to update the list as soon as possible. For further questions please contact our Support Team.
The following business categories cannot always be supported:
The delay between processing a card transaction and handing out the product/service should be no longer than 90 days. If the delay is more than 90 days, your business falls into the category of "Future business" (e.g. selling concert tickets, when not through box offices)
Outbound Telemarketers and Telecom merchants
Pyramid sales/Multi-level marketing
Business seminars (e.g. real estate seminars, investment programs, business opportunities/strategies, self-help books)
Employment agencies, temporary help services
Non-licensed counselling centres (e.g. debt and financial counselling, marriage and family counselling, alcohol/drug abuse counselling and other personal counselling)
Investor services/ "Get rich quick" merchants/ Investment clubs, the sale of stocks, securities, options, binary options, Forex and other investments
Detective agencies, protective agencies, security services including armoured cars, guard dogs
Protection services: protection, insurance, registration, service against things such as identity theft, Internet, fraud, credit card theft or fraud etc.
Sexual encounter firms
Drug paraphernalia (intoxicating substances, related services and accessories)
Products with questionable efficiency: may include but not limited to weight loss products, hair growth products, products to boost physical performance
Fortune tellers, tarot card readers and mystics
Illegal or legally questionable businesses and products
Currency exchange, money transfers
Deposits and any type of payment that is subject to refund, regulated by the merchant's terms and conditions
Virtual Currency Services
Collection agencies, refinancing of debt/factoring, mortgage, brokers/reduction services/refinancing, payday loans
File sharing services
Prepaid Phone Cards and Services
Telecommunication services including but not limited to prepaid phone services and recurring phone services
Pawnshops (merchants that lend money in exchange for personal property such as jewellery etc.)
Stamp and coin stores
Wholesaler of precious stones and metals, watches and jewellery
Used and new motorised and electric vehicles (including but not limited to cars, boats, motorbikes etc.)
Guns, firearms, airsoft guns, munitions sale and distribution
Insolvent or liquidated businesses
Additionally, there are more businesses that we can’t support when using card-not-present transactions.
Green Card services
Sale of tobacco products and e-Cigarettes
Energy suppliers (such as electric filling stations)
Network sales and affiliates
Church-like organisations or religious groups that do not have church status
Counterfeit medical goods or devices that are not approved for sale, or expired
Replicas or counterfeit goods
Night clubs and bars
Debt collection and credit
Financial service providers operating without a license
Any prepaid services
Cyberlockers, sharing and download portals
Modification chips (e.g. for games consoles)
E-voucher merchant models
Ticket agencies operating without a license (e.g. sport ticket agencies)
Lottery courier services
Links to ‘illegal good entry’
Goods that violate intellectual property rights
Illegal/banned goods and services according to the law in the relevant jurisdiction and the rules and regulations of the card schemes
Law firms specialised in warning letters
Private business directories
Insurance or broker agencies operating without regulation
Sub-acquiring and merchant aggregation
Charitable or non-profit organizations may be supported by SumUp, however, like all SumUp customers, they must at all times comply with applicable financial sanction regime regulations. SumUp products and services must in no way be used for raising funds in violation of financial sanction regime regulations, including but not limited to financing terrorism and/or use involving sanctioned countries.
If one of these categories describes your business type (either completely or in part) and you are already a SumUp merchant, we kindly ask you to contact our Support Team.
For companies with more than 100 employees that fall in the categories above, please get in touch with our Support Team.
Please note that SumUp and its products are intended for business use only.