Prohibited Good and Services - Digital River - EN

Prohibited Good and Services

Black List

The following types of products are prohibited by the Card Brands and/or our banks/processing partners (black list):

  • Military/weapons:
    • Any military items or defense articles regulated by International Traffic in Arm Regulations (ITAR) 22CFR121.1 The United States Munitions List. (US Sales only, excluding guns, ammunition, or gun parts)
    • Firearms, ammunition, and gun parts (Internet/MOTO)
  • Brand damaging/adult
    • Adult content/entertainment
    • Child pornography/bestiality
    • Website contains violent, sexual, hacking, cracking, intolerant, or otherwise offensive
    • material regarding race, sex, religion, nationality, disability, sexual orientation, or age
    • Mail order spouse, international matchmaking
    • The occult
  • Auction sites (e.g., eBay) [bidding fee auctions, i.e. Penny Auctions]
  • Buyer clubs/Membership clubs
  • Lending/Money Related:
    • Cash gifting (“cash gifting clubs” is a pyramid scheme/scam.)
    • Credit counseling/repair/protection or identity theft services; debt elimination/ reduction services
    • Commodity/Security trading (i.e. selling gold, silver, bonds, etc.)
    • Collection Agencies (loan payments cannot be transacted on Visa card; card payments cannot be accepted for dishonored checks or for debt deemed uncollectible by another)
    • Digital wallet or prepaid card.
    • Money Services Businesses (prepaid exceeding $2,000 on any day, money transmitters, wire transfer, quasi-cash, cash advances, currency exchange or dealer)
    • Mortgage/loan modification; Mortgage credit/debt consulting
    • Payday lending and title loans; pawn shops
    • Loan Modification//Renegotiation/Stop Foreclosure Services
    • FOREX trading software or service that guarantee a profit
    • Virtual Currency (that can be monetized, resold, converted, traded into physical/digital goods & services outside virtual world)
  • Travel/Leisure:
    • Cruise lines/ Airlines including Charter Airlines
    • Vacation Clubs, Packages or Timeshares Resellers
  • Chain letters
  • Distressed property Sales and/or marketing; Real Estate Flipping
  • Donations or charities (without evidence of 501(c)(3) or equivalent status)
  • Extended warranty companies (warranty must be sold in connection with item)
  • Gambling sites or services that support gambling activities; Sports advice/forecasting; odds making
  • Get rich quick schemes (e.g. real estate investment with no money down; work from home)
  • Government grants
  • Online/cyber prohibited:
    • File sharing services/cyberlockers
    • Decryption/descrambler products including mod chips
    • Data pass (upselling/cross-selling and sharing cardholder data with third parties)
    • IT Services help desks
    • Webhosting companies
  • Illegal products/services including products/services supporting illegal activity
  • Products/services that promote hate, violence, harassment or abuse
  • Payment Facilitator/Third Party Processors/Aggregators/Payment Service companies) (e.g. bill pay
  • services, peer to peer payments, digital wallets, commissary accounts)
  • Sub-Merchants or Principals on MATCH
  • Sale of Mobile Minutes; prepaid phone cards, prepaid phone services
  • Cellphone jammers
  • Medical/Pseudo medical/drug related:
    • Online Pharmacies
    • Dietary supplements that are not DSHEA, FDA, DEA compliant or pseudo pharmaceuticals (e.g., anti-aging pills, sexual stimulants, weight loss, diet, etc.)
    • Marijuana dispensaries and related products or services
    • Prescription drugs or other controlled substances
    • Illicit Drugs or drug paraphernalia; substances designed to mimic illegal drugs
    • Tobacco products or other smoking products (including e-cigarettes/smokeless cigarettes); Herbal smoking blends and incense
    • Discount Medical, Dental, Insurance
  • Unauthorized use cases:
    • Unauthorized distribution of licensed merchandise; copyright/trademark infringement
    • Replicas/counterfeit goods-designer name products
    • Technical support services for products where certification is missing (e.g. unauthorized
    • Microsoft support service)
    • Sale of social media activity; Social media “click farms” (the sale of clicks/likes on social media sites)
    • Essay mills/paper mills
    • Fake references and other services that foster deception (e.g. fake IDs and government documentation)
    • Sub-Merchants that have ransom-like or extortion like basis for business model (e.g. mugshot removal)
  • Sales practices related:
    • Any product, service or activity that is deceptive, unfair, predatory or prohibited by one or more Card Brands (i.e. hidden disclosures; bogus claims & endorsements, refund/cancellation avoidance
    • Marketing involving “pay only for shipping’ and/or free trials
    • Lifetime subscriptions
    • Negative renewal option following a free or low-cost purchase (including pay for shipping only offers) where any of the following apply:
      • The T&C do not contain clear disclosure to billing practices
      • Contain cancellation obstacles
      • Do not provide reminders prior to billing
      • Pre-checked opt-in boxes
    • Sub-Merchants operating as a front for other businesses
  • Marketing schemes:
    • Direct Marketing and Infomercial (continuity/subscription, travel)
    • Discount Coupon or Online Sites
    • Matrix, Single Level, Multi-Level, MLMs, Pyramid scheme, Snow ball (Germany) or “get rich quick” products
    • Direct marketing Inbound/ All Outbound telemarketers
    • Rebate based businesses
    • “Upsell” Sub-Merchants
  • “How to” books/publications, e-books for any industry on unqualified list

Gray List

The following products require Deal Desk approval and may have limited processing (gray list):

  • Age Restricted Products or Services (including Alcoholic beverages) (Vantiv preapproval)
  • Bail Bonds Services or Bankruptcy lawyers (Vantiv preapproval)
  • Career Placement or advice (Vantiv preapproval)
  • Dating Services (Vantiv preapproval)
  • Delayed Delivery Merchants (Vantiv preapproval)
  • Online Personal Computer Tech Support (Vantiv preapproval)
  • Psychic services (Vantiv preapproval)
  • Supplements; Vitamin shops (review to ensure not nutraceutical)
  • Shipping or Forwarding Brokers (Vantiv preapproval)
  • Travel Agencies or Tour operators (Vantiv preapproval)
  • Crowd sourced fundraising (Vantiv preapproval)
  • Merchants in any Card Brand excessive chargeback or fraud program or merchants with
  • chargeback rates exceeding 1% (on FD prohibited list, must go through other processors)
  • Sales practices related:
    • Subscriptions with aggressive business model and/or deceptive marketing practices e.g. initial billing of $20 with a subsequent billing of $70
    • Negative response marketing techniques by any type of Sub-Merchant (i.e. purchaser is automatically charged if they don’t return the merchandise at the end of a free trial period)
  • Military/weapons:
    • Any item that may have civilian/military dual use
  • Foreign Embassy, Foreign Consulate, or other Foreign Government – (need to board as if in that country. i.e. Irish Embassy in US, the Embassy is considered on “Irish soil”)
  • Professional services (including, but not limited to: Advertising, consulting, dating, domain registration, educational, financial, legal, medical, lending, collections, tech support, travel, real estate. NOTE: software-as-a-service IS permitted)
  • Fulfillment centers (signing up a Fulfillment center as a merchant is on FD prohibited list, ensure correct relationship)
  • Live animals
  • Unauthorized use cases:
    • Illegal Software (need review to determine if product illegal) i.e.: Warez, DRM removal tools (region-free products and convertors that remove DRM), YouTube and other video stream downloaders, mass-emailing/spamming products, spyware
    • Video games with an ESRB rating of “AO” or unrated, or games prohibited for sale in specific locales
  • Publishing, newspapers – (Compliance to ensure not publishing “how to” for anything prohibited)
  • Health, Wellness and Fitness – (Compliance to ensure not nutraceutical)
  • Medical Devices – (Compliance to ensure sales practices-a lot of fraud- and not drug paraphernalia)