High-Risk Merchant Account Categories
Airlines or airplane charters
Adult industry and sexually oriented or pornographic businesses
Annual contracts, continuity plans, or free trials
Automotive brokers
Bankruptcy attorneys
Cannabis industry businesses (dispensaries, delivery services, and other plant touching businesses)
Cannabis related businesses or Ancillary cannabis services
Casinos, gambling or gaming
CBD and Hemp merchants
Chat phone lines
Check cashing services
Cigarettes, e-cigarettes, or vape shops
Collection agencies
Coupons or rewards-points programs
Credit protection, counseling, or debt repair services
Debt collection services
Debt consolidation services
Drug paraphernalia
eBooks (copyrighted material)
eCommerce Merchant Accounts
Electronics
Event ticket brokers
Non US exporting providers
Extended warranty companies
Fantasy sports websites
Federal Firearms License (FFL) businesses
Finance brokers, financial consulting, or loan modification services
Furniture sales
Financial planning, strategy or advising
High average ticket merchants
Horoscopes, astrology or psychic services, fortune tellers
International merchants operating in the United States
Lotteries or sweepstakes
Magazine sales and subscriptions
Mail or telephone order sales
Terminated Merchant File or MATCH list merchants
Merchants with poor credit and or criminal history
Modeling or talent agencies
Multi-level marketing (MLM) organizations
Nutraceutical sales
Pawn shops
Replica items such as handbags, watches, wallets, sunglasses…
Social networking sites
Sports forecasting or odds-making/betting
Streaming TV services
Subscription Services
Telemarketing services
Time-shares or time-share advertising
Tour and travel operators, travel clubs, services, or travel agencies
Vitamin and supplement
VoIP services
Weapons and weapon parts sales