The following business categories cannot always be supported:

  1. Financial or payment interactions

  2. Illegal or Regulated Business Types

  3. Marketing or sales services

  4. Home, auto, and travel

  5. Insurance, discounts and warranty services

  6. Internet, telecommunications and media

  7. Advisory, coaching and consulting

1. Financial or payment interactions

  • Any merchant operating outside the United States (including Native American Reservations or tribal entities as they are considered outside the United States jurisdiction)

  • Any merchant accepting transactions on behalf of another business

  • Any merchant selling products that infringe on the intellectual property rights of others, including counterfeit goods or any product or service that infringes on the copyright, trademark or trade secrets of any third party

  • Future business: The delay between processing a card transaction and handing out the product/service shouldn’t be longer than 7 days. If it’s in your case more than 7 days, your business falls in the category “future business” (for example: selling flight tickets)

  • Deposits/caution and any type of payment that is subject to refund, regulated by the merchant’s terms and conditions

  • Digital Wallet or Prepaid Companies

  • Money Transfer, Wire Transfers, Money Orders, Transmitters, and Check Cashing including merchants required to be registered as Money Service Business

  • Transacting Virtual Currency or credits that can be monetized, re-sold or converted to physical or digital goods or services or otherwise exit the virtual world

  • Quasi Cash or Stored Value (such as prepaid debit cards or cash advances)

  • Any merchant servicing sanctioned locations (Cuba, Iran, North Korea, Sudan, Syria) are prohibited.

  • Any merchant where the anticipated percentage of international card sales is expected to be greater than 20% of total sales

  • High interest rate non-bank consumer lending including payday lending and title loans. This includes loan payments conducted on a Visa-branded credit card.

  • Currency exchanges or dealers

  • Any Payment Service Company, Payment Facilitator or any other merchant that processes sales and payments on behalf of another business providing goods or services to the cardholder

  • Payment Facilitators

  • Credit Counseling or Credit Repair Services

  • Credit Protection or Identity Theft Protection Services

  • Debt Elimination, Reduction or Consulting Services

  • Collection Agencies

  • Bankruptcy Lawyers

  • Bail Bond Services 

  • Crowd Sourced Fundraising, as defined by Processor. Crowd Sourced Fundraising shall not be allowed for the purchase of stock or equity, a promise is made to deliver a good or service in the future, or there is no consideration in return for the payment or donation

  • Commodity Trading or Security Trading

2. Illegal or Regulated Business Types

  • Age-Restricted Products or Services

  • Adult entertainment and/or adult content websites including Electronic Commerce adult content (videotext) merchants

  • Brand or Reputational damaging, potential or otherwise, activities including Bestiality, Child Pornography, Escort Services, Mail Order Brides, Occult

  • Drug Paraphernalia

  • Tobacco, e-Cigarettes and “Vape” supplies and accessories

  • Firearms and weapons including Ammunition, Silencers, Components and Suppressors

  • Gambling Activities and Establishments, including lotteries, internet gaming, contests, sweepstakes, or offering of prizes as an inducement to purchase goods or services

  • Marijuana dispensaries and related products or services, including CBD

  • Pseudo Pharmaceuticals

  • Substances designed to mimic illegal drugs

  • Any merchant that accepts a card at a scrip-dispensing terminal

  • Products or services with doubtful efficiency (deceptive, unfair, predatory or prohibited by one or more Card Brands). This may include, but is not limited to, weight loss products, hair growth products, products to boost, physical performance.

  • Personal Enhancement Products and/or Nutraceuticals where there is not any consumer present retail option

  • Sports Forecasting, betting or odds making

  • Massage Parlors

  • Pawn Shop

3. Marketing or sales services

  • Bidding Fee Auctions including Penny Auctions

  • Business seminars (real estate seminars, investment programs, business opportunities/strategies)

  • Direct Marketing: Travel Related Arrangement Services

  • Direct Marketing: Inbound Telemarketing including videotext services

  • Direct Marketing: Continuity or Subscription services

  • Negative option” marketing, renewal, or continuity subscription practices; marketing activities involving low-dollar trails, “pay only for shipping,” and/or “free trial” periods after which a credit card is charged periodically and/or a significantly larger amount 

  • Distressed Property Sales and/or Marketing / Real Estate Flipping

  • Multi-Level Marketing Businesses

  • Investment or “get rich quick” merchants, businesses, or programs, including Brokers and Dealers

  • Selling or Sales of Social Media Activity

  • Up-Selling

  • Buyer Clubs/Membership Clubs

4. Home, auto, and travel

  • Airlines including Charter Airlines

  • Cruise Lines

  • Used or new motor vehicles 

  • Travel Agencies or Tour Operators

  • Timeshares including resale’s and related marketing

  • Shipping or Forwarding Brokers (brokers that connect shipping/forwarding companies with clients)

  • Real Estate/Real estate flipping

  • Solar Panel Companies

5. Insurance, discounts and warranty services

  • Discount Coupon merchants or Online Sites

  • Discount Medical or Dental plans including Discount Insurance

  • Warranty Companies

  • Rebate-Based Businesses

  • Insurance Companies

6. Internet, telecommunications and media

  • Internet/Mail Order Pharmacies

  • Online Personal Computer Technical Support (not Direct Marketed in nature)

  • Prepaid Phone Cards and Services

  • Sale of Mobile Minutes

  • Infomercial merchants

  • Outbound Telemarketers and Telecom merchants

7. Advisory, coaching and consulting

  • Life-coaching

  • Dating Services 

  • Career Placement or Advice Center Merchants

  • Fortune tellers, Psychic Services 

If one of these categories describes your business type (either completely or partly) and you are already a SumUp merchant, we kindly ask you to contact our Support Team.