Any product, service or activity that is deceptive, unfair, predatory, or prohibited by one or more Card Brands

Any Merchant selling goods or services that represent a violation of any law, statute, or regulation

Any Merchant operating outside the United States

Any Merchant or submerchant submitting sales for payment that resulted from another commercial entity providing goods or services to the cardholder, including those businesses that may otherwise qualify themselves as a Payment Facilitator

Any Merchant selling products that infringe on the intellectual property rights of others, including counterfeit goods or any product or service that infringes on the copyright, trademark, or trade secrets of any third party, such as many Cyberlockers

Any Merchant accepting a card as payment for a dishonored check or for an item deemed uncollectible by another merchant

Any Merchant that accepts a card at a scrip-dispensing terminal

Adult entertainment, adult retail stores, and/or adult content websites including Electronic Commerce adult content (videotext) merchants that may include MCCs 5967, 7273 and 7841

Bestiality

Bidding Fee Auctions including Penny Auctions

Brand or Reputational damaging, potential or otherwise, activities including Child Pornography, Escort Services, Mail Order Brides, Occult

Collection Agencies

Commodity Trading or Security Trading

Credit Counseling or Credit Repair Services

Credit Protection or Identity Theft Protection Services

Cruise Lines

Cryptocurrencies (Bitcoin, Ethereum, etc.)

Currency Exchanges or Dealers

Debt Elimination, Debt Reduction or Debt Consulting Services

Digital Wallet or Prepaid Companies

Direct Marketing: Continuity or Subscription services or merchants including MCC 5968 and 5969

Direct Marketing-Travel Related Arrangement Services including MCC 5962

Direct Marketing-Inbound Telemarketing including videotext services and MCC 5967

Discount Buying Memberships/Clubs

Discount Medical or Dental plans including Discount Insurance

Discount Coupon Merchants or Online Sites

Distressed Property Sales and/or Marketing

Drug Paraphernalia

CNP Tobacco, e-Cigarettes and “Vape” supplies and accessories

Firearms and weapons including Ammunition, Silencers, Components and Suppressors

Gambling Activities and Establishments including MCC 7995, lotteries, internet gaming, daily fantasy sports, contests, sweepstakes, “special incentives,” or offering of prizes as an inducement to purchase goods or services

High interest rate non-bank consumer lending with an APR >30% including, but not limited to, payday lending and title loans

Infomercial merchants

Internet/Mail Order Pharmacies

Investment or “get rich quick” merchants, businesses, or programs and inclusive of Brokers and Dealers

Loan payments conducted on a Visa-branded credit card

Marijuana dispensaries and related products or services that contain CBDs or provide access to CBDs

Money Transfer, Wire Transfers, Money Orders, Transmitters, and Check Cashing including merchants required to be registered as Money Service Business

Multi-Level Marketing Businesses

“Negative option” marketing, renewal, or continuity subscription practices; marketing activities involving low-dollar trails, “pay only for shipping,” and/or “free trial” periods after which a credit card is charged periodically and/or a significantly larger amount

Outbound Telemarketers and Telecom merchants within MCCs 4814, 4816, and 5966

Pawn Shops

Payment Facilitators

Prepaid Phone Cards

Prepaid Phone Services

Pseudo Pharmaceuticals

Psychics and “occult” businesses

Quasi-Cash or Stored Value

Real Estate Flipping

Rebate-Based Businesses

Sale of Mobile Minutes

Selling or Sales of Social Media Activity

Sports Forecasting or Odds Making

Substances designed to mimic illegal drugs

Timeshares, including resales and related marketing

Transacting Virtual Currency or credits that can be monetized, re-sold, or converted to physical or digital goods or services or otherwise exit the virtual world

Tribal Entities (ie: American Indian Tribes)

Up-Selling Merchants