Restricted Businesses

Restricted Businesses

Last updated June 6, 2023

The following categories of businesses and business practices are restricted from using the Services ("Restricted Businesses"). Restricted Business categories may be imposed through Network Rules or the requirements of our Member Bank, as defined in the Merchant Services Agreement. In certain cases, businesses listed below may be eligible for processing with explicit prior approval from Jupi Co. Note, however, that businesses that offer illegal products or services are never eligible to use the Payment Processing Services. The types of businesses listed in the right column are representative, but not exhaustive. If you are uncertain as to whether your business is a Restricted Business or have questions about how these requirements apply to you, please contact us.

By registering with us, you are confirming that you will not use the Service to accept payments in connection with the following businesses, business activities, or business practices, unless you have received prior written approval from Jupi Co.

· Adult entertainment and/or adult content websites including Electronic Commerce adult content (videotext) merchants that would include MCC’s 5967,7273 and 7841

· Age Restricted Products or Services

· Airlines including Charter Airlines

· Any merchant operating outside the United States

· Any merchant or Sub-merchant submitting sales for payment that resulted from another commercial entity providing goods or services to the cardholder, including those businesses that may otherwise qualify themselves as a Payment Service Company or Payment Facilitator

· 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, such as many Cyberlockers

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

· Any merchant where the anticipated % of International Card Sales is expected to be greater than 20% of total sales

· Any merchants accepting a card as payment for a dishonored check or for an item deemed uncollectible by another merchant

· Any product, service or activity that is deceptive, unfair, predatory or prohibited by one or more Card Brands

· Bail Bond Services or Bankruptcy Lawyers

· Bestiality

· Bidding Fee Auctions including Penny Auctions

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

· Career Placement or Advice Center Merchants

· Collection Agencies

· Commodity Trading or Security Trading

· Credit Counseling or Credit Repair Services

· Credit Protection or Identity Theft Protection Services

· Crowd Sourced Fundraising, as defined by Processor from time to time, except however, 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

· Cruise Lines

· Currency Exchanges or Dealers

· Cryptocurrency Merchants

· Dating Services

· Debt Elimination, Debt Reduction or Debt Consulting Services

· Delayed Delivery Merchants where the good or service the merchant is providing the cardholder is not shipped, delivered or fulfilled when the card transaction is processed but is to occur at a future date

· Digital Wallet or Prepaid Companies

· Direct Marketing: Continuity or Subscription services or merchants including MCC 5968 and 5969

· Direct Marketing-Inbound Telemarketing including videotext services and MCC 5967

· Direct Marketing-Travel Related Arrangement Services including MCC 5962

· Discount Buying Memberships/Clubs

· Discount Coupon merchants or Online Sites

· Discount Medical or Dental plans including Discount Insurance

· Distressed Property Sales and/or Marketing

· Drug Paraphernalia

· e-Cigarettes and “Vape” supplies and accessories

· Extended Warranty Companies

· Firearms and weapons including Ammunition

· Gambling Activities and Establishments including MCC 7995, including lotteries, internet gaming, daily fantasy sports, contests, sweepstakes, “special incentives” or offering of prizes as an inducement to purchase goods or services

· High interest rate non-bank consumer lending including, but not limited to, payday lending and title loans

· Infomercial merchants

· Internet/Mail-Order Pharmacies

· Investment or “get rich quick” merchants, businesses or programs

· Loan payments conducted on a Visa branded credit card

· Marijuana dispensaries and related products or services

· Modeling Agencies

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

· Multi-Level Marketing Businesses

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

· Online Personal Computer Technical Support

· Outbound Telemarketers and Telecom merchants including MCC’s 4814,4816, and 5966

· Pawn Shop

· Payment Facilitators

· Personal Enhancement Products and/or Nutraceuticals

· Prepaid Phone Cards

· Prepaid Phone Services

· Pseudo Pharmaceuticals

· Psychics and “occult” businesses

· Quasi Cash or Stored Value

· Real Estate Flipping

· Rebate-Based Businesses

· Sale of Mobile Minutes

· Selling or Sales of Social Media Activity

· Shell Banks (a bank that does not maintain a physical presence in any country)

· Shipping or Forwarding Brokers

· Sports Forecasting or Odds Making

· Substances designed to mimic illegal drugs

· 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

· Travel Agencies or Tour Operators except, however, those Agencies or Operators servicing Sanctioned locations (e.g. Cuba, Iran, North Korea, Sudan, Syria) are prohibited

· Tribal Entities

· Up-Selling merchants

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