High Risk Merchant Accounts

    • 1-800 type chat sites
    • Airlines
    • Airplane charters
    • ALL sexual oriented or pornographic merchants: (i.e. companion or escort services, adult telephone conversations, adult book stores, dating services, online adult membership or matchmaker services, adult paraphernalia or toys.)
    • Amazon, Yahoo or Google Stores
    • Annual contracts
    • Antiques
    • Auctions
    • Automotive brokers
    • Bankruptcy attorneys
    • Brokering
    • “Business opportunities”
    • Calling cards
    • Casino, gambling or gaming
    • Check cashing services
    • Cigarette or electronic-cigarette sales or nicotine cartridges
    • Coins, collectible currency or autographed collectibles
    • Collection agencies
    • Coupons or rewards-points program
    • Credit or debt repair
    • Credit counseling
    • Credit protection
    • Debt collection
    • Direct selling
    • Discount health – medical care programs
    • Debt consolidation
    • Drug paraphernalia
    • eBay Store
    • E-Books (copywrited material)
    • Electronics
    • Event ticket brokers (unlicensed – non registered (i.e. Stub Hub type merchants))
    • Exporting services (non US based)
    • Fantasy sports websites
    • Federal Firearms License (FFL) dealers
    • Finance broker, financial consulting or loan modification services
    • Indirect financial consulting (i.e. How to Save Money by Lowering Your Electric Bill.)
    • Financial planning, strategy or advising
    • “Get rich quick” – books, programs, etc…
    • High average tickets
    • “How-To” type websites (i.e. “Learn How-To Make Money on The Internet”)
    • Horoscopes, astrology or psychic services (i.e. fortune tellers)
    • “Hype” products or services
    • Hypnotists or self-hypnosis
    • International merchants (non US based)
    • International shipping, cargo or import/export
    • Investment firms
    • Investment strategy
    • Investment books
    • Lawyer referral services
    • Life coaching
    • Lingerie sales
    • Lotteries
    • Magazine sales and subscriptions
    • Mail order
    • Membership organizations (over 12 months)
    • Merchants on the terminated merchant file (TMF list)
    • Modeling agencies
    • Multi-currencies
    • Multi-level marketing (MLM)
    • Music, movie, software downloads or uploads (ie. copywrited music, movies or software (i.e. Microsoft office))
    • Non US citizens
    • Off-shore corp. establishment services
    • Pawn shops
    • Poor credit
    • Prepaid debit cards
    • In-bound or outbound telemarketing services
    • Real estate
    • Replica handbags, watches, wallets, sunglasses etc… (knock-offs)
    • Self defense, pepper spray, mace, etc.
    • Seo services
    • Social networking sites – Facebook, Twitter, MySpace etc…
    • Sports forecasting or odds making/betting
    • Talent agencies
    • Telecommunications
    • Telephone companies
    • Telephone order
    • Third-party processing, factoring merchants (i.e. payment processors, vacation rental brokers)
    • Time-shares or time-shares advertising
    • Tour operators
    • Travel services
    • Travel agencies
    • Travel clubs
    • Vacation planners
    • Vacation rentals (unless property is owned by merchant)
    • Vitamin and supplement sales – diet pills, prescription pills, health supplements, pharmacy
    • Voip services
    • Extended warranty companies
    • Weapons of any kind – guns, knives, stun guns, or ammo. Includes any parts of weapons (i.e. butts, triggers, magazines, etc.)