Prohibited Businesses

The following categories of businesses and business practices are prohibited from using the Reach payments platform (“Prohibited Businesses”). Most, although not all, of these Prohibited Business categories are imposed by Card Network rules or the requirements of our banking providers or processors. If you are uncertain as to whether your business is a Prohibited Business, or have questions about how these requirements apply to you, please contact us.

By registering for Reach, you are confirming that are not carrying on a Prohibited Business.

• Online or other non-face-to-face tobacco, e-cigarette sales, or related items (such as personal vaporizers or e-juice)

• Weapons and munitions

• Virtual currency that can be monetized, re-sold or converted to physical or digital products or services or otherwise exit the virtual world

• Sexually-oriented or pornographic products or services

• Marijuana dispensaries and related businesses

• Door-to-door sales

• Offering substantial rebates or special incentives to the cardholder subsequent to the original purchase

• Negative response marketing

• Engaging in deceptive marketing practices

• Sharing cardholder information with another supplier for payment of up-sell or cross-sell product or service

• Evading Card Network’s chargeback monitoring programs

• Engaging in any form of licensed or unlicensed aggregation or factoring

• Airlines

• Age verification

• Age restricted products or services

• Bail bonds

• Bankruptcy lawyers

• Bidding fee auctions

• Collection agencies

• Chain letters

• Check cashing, wire transfers, or money orders

• Counterfeit products

• Currency exchanges or dealers

• Embassies, foreign consulates, or other foreign governments

• Firms selling business opportunities, investment opportunities, mortgage consulting or reduction, credit counseling, repair or protection, or real estate purchases with no money down

• Credit card and identity theft protection

• Cruise lines

• Essay mills

• Flea markets

• Drug paraphernalia

• Extended warranties

• Psychic services

• “Get rich quick” schemes

• Gambling (including but not limited to lotteries, Internet gaming, contests, sweepstakes, or offering of prizes as an inducement to purchase products or services)

• Sports forecasting or odds making

• Illegal products or services

• Mail-order brides

• Money transmitters or money service businesses

• Multi-level marketing or pyramid schemes

• Online or other non-face-to-face pharmacies or pharmacy referral services

• Prepaid phone cards, phone services or cell phones

• Pseudo pharmaceuticals

• Quasi-cash or stored value

• Securities brokers

• Shipping or forwarding brokers

• Substances designed to mimic illegal drugs

• Telemarketing

• Telecommunications equipment and telephone sales

• Timeshares

• Centralized travel reservation services or travel clubs

• Personal computer technical support

• Selling video game or virtual world credits (unless you are the operator of the video game or virtual world)

• Selling social media activity, such as Twitter followers, Facebook likes, or YouTube views

• Any product or service that infringes upon the copyright, trademark, or trade secrets of any third party

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

• Funding any of the items included on this Prohibited Businesses list