a.Your establishments are not permitted to accept the Card if they operate in any of the following Prohibited Industries. We may suspend acceptance of Cards by you or any of your Establishments or terminate the Agreement (including immediate termination without prior notice to you) if we determine or have reason to believe, in our sole discretion, that you or any of your Establishments are performing a prohibited activity or operating in a Prohibited Industry.
|
Prohibited Industry |
Description |
Industry Merchant Category Code (MCC) |
|
Bankruptcy services |
A company or agency that is in the business of recovering money owed on delinquent accounts or supporting the bankruptcy process. |
— |
|
Check cashing / guarantee |
A business that provides customers with a way to turn a check into cash without having to rely on a bank account. |
— |
|
Child pornography |
An individual or entity providing or associated with the visual depiction of a minor engaged in obscene or sexually explicit conduct, whether made or produced by electronic, mechanical, or other means. |
— |
|
Credit restoration |
A service aimed at improving credit ratings by disputing errors and outdated claims with credit bureaus. |
— |
|
Payday lending |
A company that lends customers money at high interest rates on the agreement that the loan will be repaid when the borrower receives their next pay-check. |
— |
|
Wire transfers |
A business that specialises in the transfer of money from one location to another. |
4829 |
a.The following industries are restricted. In order to accept Transactions in the following industries, you will need to obtain written permission from us. We may in our full discretion approve or deny such requests. We may suspend acceptance of Cards by you or any of your Establishments or terminate the Agreement (including immediate termination without prior notice to you) if we determine or have reason to believe, in our sole discretion, that you or any of your Establishments are performing a restricted activity or operating in a Restricted Industry without our written permission.
|
Restricted Industry |
Description |
Industry Merchant Category Code (MCC) |
|
Bail / bail bond |
Bail – A sum of money paid by a criminal defendant to be released from jail under the condition that they appear for court appearances. This does not include a bail bond fee. |
9223 |
|
Cash at Point of Sale from a non-financial institution |
A cash advance from a non-financial Institution. |
6010 |
|
Charity |
A non-profit, non-political organisation that collects donations, including fundraising. |
8398 |
|
Condo (real estate) down payments |
Down payments for purchase of a condominium. |
6012 |
|
Debt collection |
The process of pursuing payments of debts owed by individuals and/or businesses. |
7322 |
|
Digital file hosting (cyberlockers) |
Online data hosting services that provide remote storage space within a secure storage architecture; they can be accessed globally over the Internet; Cyberlockers can also be called online storage or cloud storage. |
4816 |
|
Door-to-door sales |
Unsolicited individual (who may go from door to door) selling goods and/or services with immediate payment expected. |
5963 |
|
Escort services |
A business, agency or person who, for a fee, provides or offers to provide an escort. |
7273 |
|
Foreign exchange |
A business or financial institution that has the legal right to exchange one currency for another currency. |
6051 |
|
Gambling |
The wagering of money or something of value on an event with an uncertain outcome, with the primary intent of winning money or material goods. Examples include:
|
7800 |
|
Investment on futures |
A legal agreement to buy or sell something at a predetermined price at a specified time in the future, between parties not known to each other. |
— |
|
Leasing merchants |
A business that conveys land, property, or other real estate to another for a specified time in return for regular periodic payment. |
— |
|
Licensed insolvency practitioners |
A professional intermediary in insolvency procedures. |
— |
|
Marijuana-related businesses |
Any individual or entity that manufactures, processes, distributes, or dispenses marijuana, or byproducts or derivatives of marijuana, whether for recreational or medicinal purposes, and whether or not subject to a governmental licensing regime. |
— |
|
Mortgage payments |
A payment which includes principal and interest paid by borrower to lender of a home loan. |
6012 |
|
Multi-level marketing / pyramid selling |
A sales system that uses one or more of the following practices:
|
5966 |
|
Online adult entertainment |
A business that primarily sells adult digital content via Internet Electronic Delivery. |
— |
|
Pharmacies (card not present) |
A business that sells prescription drugs/products online. |
5122 |
|
Political party donations |
Contributions, funds, goods, or services raised to promote the interests for a national, state, or local political party, candidate or campaign. |
8651 |
|
Prostitution |
A person or business providing sexual services in return for payment. |
— |
|
Telemarketing – travel related |
A business that telemarkets travel related products or services or other travel arrangements. |
5962 |
|
Tobacco and smokeless tobacco retailers (card not present) |
A business that sells tobacco, smokeless tobacco, and e-cigarettes online. |
5993 |
|
Top-Up Wallet |
Functionality that provides a Stored Value Digital Facility (SVDF), a feature that allows funds to be loaded into a digital wallet for subsequent payments, including purchases of Goods and Services, at single or multiple payment acceptors. |
6540 |
|
Travel tour operators |
A business that provides travel information and booking services. |
4722 |
|
Unlicensed massage parlours |
A massage parlour that is not registered with a governing body. |
7297 |
|
Virtual currency / cryptocurrency |
Digital money not authorised or adopted by a government. Issued and controlled by its developers and used and accepted among members of a specific virtual community. |
6051 |