Appendix B

Non-Exhaustive List of Banned and High Risk Industries

  1. Direct Marketing - Travel-Related Arrangement Services
  2. Direct Marketing - Outbound Telemarketing Merchants
  3. Outbound telemarketers
  4. Direct Marketing - Continuity / Subscription Merchants
  5. Direct Marketing - Other Direct Marketers - not elsewhere classified
  6. Direct Marketing - Inbound Telemarketing Merchants
  7. Multi-level marketing businesses, Unlicensed Multi-level marketing
  8. Rebate-based business and up-selling merchants
  9. Pyramid or ponzi scheme, matrix program and other "get rich quick" schemes
  10. Telemarketing
  11. Time sharing
  12. Gold bar
  13. Investment scheme
  14. Buyers Club / Membership clubs
  15. Key-entry Telecom Merchant providing single local and long-distance phone calls using a central access number in a non–face-to-face environment using key entry
  16. Telecommunication Services including but not limited to prepaid phone services and recurring phone services
  17. File sharing services
  18. Illegal downloads of movies, music, computer and video games or software
  19. Items or downloads infringe or violate copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction
  20. Counterfeit designer/luxury goods
  21. Stolen goods including digital and virtual goods
  22. Used / Pre-loved Products
  23. Precious Stones and Metals, Jewel, Gem
  24. Drugs, Drug Proprietors, and Druggists Sundries
  25. Drug Stores, Pharmacies
  26. Drugs, drug paraphernalia and drug test circumvention aids
  27. Miracle
  28. Internet pharmacies / Internet pharmacy referral site
  29. Counterfeit pharmaceutical products
  30. Cigar Stores and Stands
  31. Tobacco / Cigar / Electronic Cigarette / Nicotine content products
  32. Counterfeit tobacco products (e.g. cigarettes, cigars)
  33. Alcohol
  34. Video Entertainment Rental Stores
  35. Gambling transaction, gaming and/or any other activity with an entry fee and a prize, includes casino games, sports betting, horse, dog or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery), sweepstakes and non-sports intrastate internet
  36. Credit Counseling / Credit repair services
  37. Credit repair or debt settlement services, credit transactions or insurance activities
  38. Credit protection / Identity thief protection
  39. Associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card
  40. Associated with the sale of traveler's checks or money orders
  41. Check cashing businesses
  42. Currency and forex
  43. Firearms / weapons
  44. Fireworks and hazardous materials
  45. Pornography and adult content
  46. Sexually oriented materials or services
  47. Items that are considered obscene
  48. Human remains and body parts
  49. Sale of a good or service, including an image, which is patently offensive and lacks serious artistic value (such as images of nonconsensual sexual behavior, sexual exploitation of a minor, nonconsensual mutilation of a person or body part, and bestiality)
  50. Payment aggregator
  51. Prepayment business
  52. Marketplace
  53. Auction business including Penny Auction and/or bidding
  54. Real Estate Agency / Brokers
  55. Items promote hatred, racism, religious persecution or contain offensive content
  56. Items encouraging illegal activity
  57. Involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent