Restricted Businesses

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 and/or adult content websites including Electronic Commerce adult content (videotext) merchants
  • Airlines
  • Any merchant operating outside the United States
  • Any merchant accepting transactions on behalf of another business
  • Any merchant selling goods or services that represent a violation of any law, statute or regulation
  • 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
  • Bail Bond Services
  • Bankruptcy Lawyers
  • Brand or Reputational damaging, potential or otherwise, activities including Bestiality, Child Pornography, Escort Services, Mail Order Brides, Occult
  • Business seminars (real estate seminars, investment programs, business opportunities/strategies)
  • Buyer Clubs/Membership Clubs
  • Collection agencies, refinancing of debt/factoring, mortgage, brokers/reduction services/refinancing, payday loans
  • Commodity Trading or Security Trading
  • Cosmetic surgery
  • Credit Counseling or Credit Repair Services
  • Credit Protection or Identity Theft Protection Services
  • Cruise Lines
  • Currency Exchanges or Dealers
  • Debt Elimination, Reduction or Consulting Services
  • 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
  • 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
  • Direct Marketing-Inbound
  • Telemarketing including videotext services
  • Direct Marketing-Travel Related Arrangement Services
  • Direct Marketing: Continuity or Subscription services
  • Discount Coupon merchants or Online Sites
  • Discount Medical or Dental plans including Discount Insurance
  • Distressed Property Sales and/or Marketing / Real Estate Flipping
  • Door-to-door sales
  • Drug paraphernalia
  • e-Cigarettes
  • Employment agencies, temporary help services
  • Escort services
  • File sharing services
  • Fortune tellers
  • Gambling Activities and Establishments, including lotteries, internet gaming, contests, sweepstakes, or offering of prizes as an inducement to purchase goods or services
  • Guns, firearms, munitions sale and distribution
  • High interest rate non-bank consumer lending including payday lending and title loans
  • Infomercial merchants
  • Internet Pharmacies
  • Illegal or legally questionable businesses and products
  • Investor services/“Get rich quick” merchants/Investment clubs, sale of stocks, securities, options, binary options, Forex and other investments
  • Male/Female enhancers
  • Marijuana dispensaries and related products or services
  • Marketing Activities involving “pay only for shipping” and/or “free trial” periods
  • Merchants utilizing renewal, or continuity subscription practice
  • Money Transfer, Wire Transfers, Money Orders, Transmitters, and Check Cashing including merchants required to be registered as Money Service Business
  • Modeling/Talent organisation
  • Multi-Level Marketing Businesses
  • Not-for-profit organisation
  • Outbound Telemarketers and Telecom merchants
  • Pawn shops
  • Political organisations
  • Prepaid Phone Cards and Services
  • 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.
  • Pseudo Pharmaceuticals
  • Pyramid sales/Multi-level marketing
  • Rebate-Based Businesses
  • Religious organisations, services and goods stores
  • Sale of Mobile Minutes
  • Selling or Sales of Social Media Activity
  • Sexual encounter firms
  • Sports Forecasting or Odds Making
  • Stamp and coin stores
  • Substances designed to mimic illegal drugs
  • Telecommunication services including but not limited to prepaid phone services and recurring phone services
  • Timeshares including resale’s and related marketing
  • 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
  • Up-Selling
  • Used cars (if you sell Yachts/Motorbikes/Cars, no matter if used or new – please check this article)

If one of these categories describes your business (either completely or partly) and you're already a SumUp merchant, we kindly ask that you contact our Support Team (SUPPORT@SUMUP.COM).

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