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 banks, who act as a gateway to the card services.

Our license is not limitless and we cannot always support every business model. It can happen that new restricted categories are 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.

For companies with more than 100 employees that fall in the categories below, please write to

The following business categories cannot always 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)
  • Airlines
  • Outbound Telemarketers and Telecom merchants
  • Door-to-door sales
  • Pyramid sales/Multi-level marketing
  • Membership fees
  • Hunting clubs/activities
  • Modelling/Talent organisations
  • Not-for-profit organisations
  • Political organisations
  • 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
  • Cosmetic surgery
  • 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.
  • Adult entertainment/Pornography
  • Adult Dating
  • Escort services
  • Sexual encounter firms
  • Drug paraphernalia (intoxicating substances, related services and accessories)
  • Male/Female enhancers
  • 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
  • Gambling, lottery
  • 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
  • Auction Houses
  • Up-Selling
  • Pawn shops (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
  • Property Sale
  • Used and new motorised and electric vehicles (including but not limited to cars, boats, motorbikes etc.)
  • Guns, firearms, airsoft guns, munitions sale and distribution

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

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