Common prohibited use or high-risk online products and services
If you are in a high-risk, or regulated industry highlighted on this page, you likely have struggled with even the most basic components of an e-commerce website – the ability to obtain a payment gateway and merchant account, accept payments, and market your products or service.
Website owners that offer the legal products and services listed below are often listed as a “prohibited use” by the largest online payment gateways and merchant accounts.
Expert payment gateway advice and high-risk merchant account recommendations
Our dedicated agents provide easy to implement alternative payment gateway solutions and one on one support to American and Candian businesses. They will help you generate the gateway credentials required and assist you in integrating your payment gateway into the e-commerce platform of your choice.
We will assign you a real human as a dedicated contact, help you with any paperwork or information the processors may require, and continue to assist you long after approval and set up.
We have decades of experience in the high-risk business and have a firm grasp of which software providers, payment gateways, affiliate payout vendors, and, through our many vetted industry contacts, which merchant accounts and credit card processors are the best fit for you.
Give us details on your business via our contact us form and let us provide some one-on-one information at no obligation. We are not attorneys and do not offer legal guidance, but we can help you accept credit cards for your lawful, high-risk business and provide friendly advice on a host of high-risk e-commerce topics.
We provide payment gateway solutions for:
Auto-ship products, subscription programs, clubs
Auto bill programs: alarm companies, pest control, fitness clubs, online training programs
Adult websites: continuity and straight sale
Adult toys and dolls located in the USA
Botanicals – legal, non-mood altering plant-based supplements, tinctures, oils, lotions, and powders
Canadian head shops – e-commerce or retail
Credit monitoring subscription programs: continuity, and straight-sale
Collection agencies, large agency or at home
Dating sites (online dating, membership sites, coaching, or clubs)
Debt consolidation programs, student loan consolidation programs
Detox and cleanse products: continuity and straight sale
Document preparation and application assistance for immigration visas, student loans, etc.
Fantasy sports leagues with cash payouts (limited options, must be established and well funded)
FFL to FFL gun sales, USA-based online FFLs, drop shipped firearms, ammunition
Fortune telling, psychic readings, clairvoyance, astrology
Free trial offers: startups preferred- must be legal, and ethical. Supplements, skincare, software
Gentlemen’s clubs, lady’s clubs
Health clubs, automated recurring billing by ACH, and credit card
Internet marketing lead generation, traffic programs
Knives, swords – legal online sales to appropriate jurisdictions within the United States
Magazine Subscriptions, promotional marketing
Male enhancement supplements: straight sale, recurring, or trial
MLM / multi-level marketing companies
MMJ support and MMJ supply merchants. MMJ packaging, stash boxes, grinders
Muscle enhancement testosterone support supplements: straight sale or recurring – no “research chemicals” or prescription drugs
No2 nitric oxide supplements: straight sale or recurring
Nootropics, brain supplements. Supplements must be legal; volume requirements and restrictions may apply: straight sale or recurring
Pepper spray, legal online sales of pepper spray, capsaicin sprays, etc
Personal or business coaching seminars, online training, recurring billing
Prepaid phone cards, international calling cards, family to inmate calling programs
Prepaid debit card affiliate payout programs
Pseudo pharmaceuticals: If legal and claims are appropriate- for example, a weightlifting supplement manufactured with a GMP certificate or similar
Self-help courses, online courses, motivational seminars, or MLM event ticket sales: straight sale, recurring, or trial
SEO consulting, recurring billing, web and software design, web marketing
Sex toys and adult dolls
Skincare creams and serums
Software, SaaS: trials, straight sales, and continuity
Surveillance, electronics, PI, and “spy” gear
Tax negotiating and property-tax assessment dispute services
Teeth whitening: continuity or straight sale
Tobacco, loose tobacco, or cigars sold online
Trial offers- for software and some physical products
Travel packages, tours, agencies
Web hosting, annual payments, monthly recurring
Weight loss products and supplements: straight sale, or recurring
Workout Supplements, excluding SARMs, peptides. Supplements must be legal where sold and with GMP certificate- recurring OK.
Contact us anytime for specific advice on your business
Contact us anytime, even with general questions; we are always happy to help a fellow e-commerce warrior regardless of whether or not they are a current client or prospect. The list above is in not necessarily in any particular order because many of these industries can go by many different names.
This list may not remain perfectly accurate and may change at any time without notice; it is intended as general information only. The regulatory status of the items above may change at any time. You should consult a qualified attorney before pursuing any endeavor, especially one that markets highly regulated products.
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