In its capacity as a payment processor, Tebra is bound by applicable laws, regulations, and policies such as those arising from our financial institutions, the PCI Security Standards Council, and the federal government. We are prohibited by these rules from entering into agreements with businesses that engage in activities on this list. As a condition of using Tebra’s payment processing services (“Services”), you must agree to not use the Services for the activities below. This list is representative but not-exhaustive. Tebra reserves the right to decline services to, or request further information from, entities engaging in other activities not listed below. This list may be modified from time to time.
Unlawful Activities
- Selling goods or services that represent a violation of any law, statute or regulation
- Selling products that infringe on the intellectual property rights of others
- Substances designed to mimic illegal drugs
Unfair, Predatory, or Deceptive Activities
- Investment or “get rich quick” merchants, businesses or programs and inclusive of Brokers and Dealers
- Multi-Level Marketing Businesses
- “Negative option” marketing or “freemium” opportunities
- Providing any product, service or activity that is deceptive, unfair, predatory or prohibited by one or more Card Brands
- Accepting a card as payment for a dishonored check or for an item deemed uncollectible
Adult Content and Services
- Adult entertainment
- Dating Services
Certain Financial Activities
- Cryptocurrencies (e.g., Bitcoin, Ethereum, etc.)
- Currency Exchanges or Dealers
- High interest rate non-bank consumer lending with an APR >30% including, but not limited to, payday lending and title loans
- Collection Agencies
- Commodity Trading or Security Trading
- Credit Counseling or Credit Repair Services
- Credit Protection or Identity Theft Protection Services
- Debt Elimination, Debt Reduction or Debt Consulting Services
- Digital Wallet or Prepaid Companies
- Discount Buying Memberships/Clubs
- Discount Coupon merchants or Online Sites
- Distressed Property Sales and/or Marketing
- Loan payments conducted on a credit card
- Money Transfer, Wire Transfers, Money Orders, Transmitters, and Check Cashing including merchants required to be registered as Money Service Business
- Payment Facilitators
- Quasi Cash or Stored Value
- Transacting Virtual Currency
- Pawn Shop
- Prepaid Phone Cards and Services
- Real Estate Flipping
- Rebate-Based Businesses
- Sale of Mobile Minutes
- Selling or Sales of Social Media Activity
- Bidding Fee Auctions including Penny Auctions
Certain Medical Activities
- Accepting a card at a scrip-dispensing terminal
- Internet/Mail-Order Pharmacies or pharmacy referral sales
- Selling Neutraceuticals
- Discount Medical or Dental plans including Discount Insurance
Firearms and Combustible Materials
- Guns, gunpowders, ammunitions, weapons, fireworks and other explosives
- Firearms and weapons including ammunition, silencers, components and suppressors
Gambling
- Gambling, including lotteries, internet gaming, daily fantasy sports, contests, sweepstakes, “special incentives” or offering of prizes as an inducement to purchase goods or services
- Sports Forecasting or Odds Making
Marijuana and Related Activities
- Marijuana/cannabis dispensaries or related products, including products or services that contain CBDs or provide access to CBDs
- Drug Paraphernalia
- Selling Nutraceuticals
- Card-not-present Tobacco, e-Cigarettes and “Vape” supplies and accessories
- Pseudo Pharmaceuticals
Certain travel-related Activities
- Airlines including Charter Airlines
- Cruise Lines
Other Prohibited Activities
- Psychics and “occult” businesses
- Operating outside of the United States
- Brand or reputational damaging activities
- Direct Marketing, including inbound telemarketing such as videotext services, and travel-related arrangement services
- Infomercial merchants
- Outbound Telemarketers and Telecom merchants
Misuse of the Services
- Use of the Services with false, manipulated, inaccurate, or misleading information regarding your identity, business entity, the nature of business, and any other information requested by Tebra (you must inform us immediately of any changes to your personal and business information)
- Use of the Services to facilitate transactions on behalf of another undisclosed merchant or for undisclosed products/services