High Risk Merchants/Industries - Additional Underwriting
Required
The following Merchant types are historically
prone to higher levels of chargeback and fraudulent activity.
While we are able to approve many of these accounts, there will
be additional UNDERWRITING requirements.
* Internet Pharmaceutical Sales
* Answering Services
* Diet Centers
* Investment Opportunities
* Liquidators
* Collection Agencies
* Multi-level Marketing
* Time Share Sales
* Bankruptcy Lawyers/Firms
* Travel Agencies
* Adult Videotext Merchants
* Long Distance Services
* Pre-paid legal advice/services
* Male or Female Sexual Enhancement Supplements or Products
* Pre-Paid Phone Cards
* Internet Perfume Stores
* Downloadable Software
* Motivational and Self-improvement Courses
* Non-Retail Pawn Shops
* Seminars/Business Opportunity
* Tanning Salons
* Vitamin/Herbal Supplement Sales
* Water Purification
* Internet Jewelry Sales
* Electronics including Laptops and Computers
* Cellular Phones and Pagers
* Legal Advice and Kits
* Auto Accessories/Tire Rims
* Medical Advice
* Internet as "Seen on TV" Products
Prohibited Merchants/Industries
We do NOT provide Merchant Accounts
for the following types of Merchants:
* Business Practices Promoting Racism, Violence, Abuse, Discrimination
* Business Practices Promoting Immoral Activity
* Illegal products/activities of any kind
* Intellectual Property Rights Violators
* Escort or Dating Services
* Secure email services
* Airline Tickets
* Credit Repair Services
* Drug Paraphernalia
* Gambling Establishments
* Lottery Sales
* Massage Parlors (unless licensed for physical therapy)
* Age Verification Services
* Negative Option Billing
* Cable box de-scramblers
* Imitation Designer Handbags
* Annual Billing with High Average Tickets
* Matrix Merchants
* Knock off Athletic Shoes
* Human Growth Hormones
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