services that register people by their age in order to verify that
they may view adult entertainment sites. Often, Age verification services
use multi-level marketing to entice ISP's and Webmasters to host links
to their registration pages.
Consultation Services: Sell
recorded or live audio information (psychics, 900 #s, recorded advice,
etc.), usually by the minute, or by the time the customer spends on
to register credit cards in exchange for consumer insurance or
cannot exceed 1%.
a fee to cash checks for consumers.
payments due or seize property on behalf of a lender/seller.
Companion or Escort
a fee to provide a companion or escort.
or repair agencies, collection agencies: Charge
a fee to help consumers handle personal debt and collect overdue bal-ances/
loans on behalf of lenders.
Credit Card Protection
of any kind: Sale
of any product associated with illegal drug use (pipes, syringes,
staffing/placement (temporary or permanent) for other businesses.
Escort Services /
Companion Services: See
business that opens a merchant account and hosts numerous other
businesses who also use that same merchant account to process
Fantasy Leagues: Businesses
that charge customers to participate in fantasy or gaming activities
over the Internet.
Financial Aid: Lending
services that are, or approach, being illegal. (Loan sharking.)
than retail sporting
Companies/Business operating outside the US: Any
business located outside the US, including Internet businesses with
servers located outside the US.
that charge a fee to participate in games or activities that offer
cash/ prizes in return
that reserve hotel rooms on behalf of visitors. Merchant does not own or
work for the respective hotel.
Illegal products: Merchants
that sell any product that is illegal to sell or provide in the United
in the purchase or sale of goods between different countries.
selling incentive programs to other companies, so that incentives
may be used to enhance sales. For example, a company may sell a bundle
of discounted trips to a car dealership. The dealership can then offer
a "free" trip to Hawaii with every purchase.
promise of financial gain in exchange for money in-vested.
Lotteries or raffles:
that are drawn randomly, the winners receiving cash or prizes in return.
who charge a fee to place your loan with the lowest-cost provider
on the market; OR offer to lower existing mortgage payments; OR offer
information on reducing mortgage payments.
or solicit donations by phoning the public.
Phone Cards: Phone
card amount is paid up front for a service and used over a period of
rare coins, metals, or stamps.
store a pre-programmed dollar amount.
outside US: Principals
who do not reside in the US will be immediately declined.
Principals with open
with open bankruptcies will be declined.
that use a "pyramid" of distributors who pay to participate
and are promised commissions on their sales and the sales of anyone
they recruit to sell "under" them. aka multi-level.
raffles and lotteries are unacceptable.
job placement for employers; employee pays the fee.
Stamp Collections: Sells
that involves a third-party who collects money on behalf of the
organization that provides the goods or services.
"shares" in vacation property that allow "owners" to
stay for short, defined periods of time each year.
Coupons or Certificates/Clubs