As a regulated entity, we operate under strict requirements imposed by the financial regulator, the card schemes (Visa, Mastercard and American Express) and our acquiring bank, who acts as a gateway to the card services.

Our license is not limitless and we cannot support every business model. Therefore it can happen that new restricted categories are added or existing ones removed. 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 be supported:

  • Future business: The delay between processing a card transaction and handing out the product/service should be no longer than 7 days. If the delay is more than 7 days, your business falls into the category of "Future business" (e.g. selling concert tickets,when not through box offices )
  • Adult entertainment/Pornography
  • Airlines
  • Business seminars (e.g. real estate seminars, investment programs, business opportunities/strategies, self-help books)
  • Collection agencies, refinancing of debt/factoring, mortgage, brokers/reduction services/refinancing, payday loans
  • Cosmetic surgery
  • Non-licensed counselling centres (e.g. debt and financial counselling, marriage and family counselling, alcohol/drug abuse counselling and other personal counselling)
  • Detective agencies, protective agencies, security services including armoured cars, guard dogs
  • Door-to-door sales
  • Drug paraphernalia
  • Employment agencies, temporary help services
  • Escort services
  • File sharing services
  • Fortune tellers
  • Gambling
  • Guns, firearms, munitions sale and distribution
  • Illegal or legally questionable businesses and products
  • Investor services/Investment clubs, sale of stocks, securities, options, binary options, Forex and other investments
  • Male/Female enhancers
  • Modelling/Talent organisation
  • Not-for-profit organisation
  • Pawn shops
  • Political organisations
  • Products with doubtful efficiency: may include but not limited to weight loss products, hair growth products, products to boost physical performance
  • Protection services: protection, insurance, registration, service against things such as identity theft, Internet, fraud, credit card theft or fraud, etc.
  • Pyramid sales/Multi-level marketing
  • Religious organisations and goods stores
  • Sexual encounter firms
  • Stamp and coin stores
  • Telecommunication services including but not limited to prepaid phone services and recurring phone services
  • Used cars
  • Deposits and any type of payment that is subject to refund, regulated by the merchant's terms and conditions

If one of these categories describes your business (either completely or partly) and you're already a SumUp merchant, we kindly ask you to contact our support team (UK: support@sumup.co.uk, IE: support@sumup.ie).

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