Terms & Policies
Prohibited and Restricted Businesses & Activities
If you use Finix’s payment processing or disbursing services (“Services”), you must comply with this Prohibited & Restricted Businesses & Activities list (“List”). This List is based on several factors, including legal and regulatory requirements, card network rules, restrictions from our financial partners, and other risks (e.g., reputational, chargebacks). Industries listed as Prohibited are not supported by Finix, and industries listed as Restricted require enhanced due diligence.
The List is not exhaustive, and Finix reserves the right to change this List at any time. You agree to any such changes by continuing to use the Services after a new version has been posted. Additional prohibitions and restrictions may apply. Any business or persons on any government or sanctions watch list are prohibited from using the Services.
You must operate and have a physical presence within the United States, excluding U.S. territories, to use the Services.
Here are the MCC codes that Finix currently supports. If you have any questions about whether Finix can support your business, please reach out to your Finix point of contact or email Finix Support.
Direct Merchant | Platform / ISV | |
|---|---|---|
Adult Content & Services | ||
Adult content: video stores, websites | P | P |
Adult toys and services, escort services | P | P |
Age-Restricted Products and Services | ||
Alcohol and package stores (beer, wine, and liquor) (card-not-present) | R | P |
Alcohol and package stores (beer, wine, and liquor) (card present) | ||
Dating services (card-not-present) | R | P |
Massage parlors | R | P |
Cryptocurrency | ||
Crypto-currency exchanges | R | P |
Cryptocurrency custodians | R | P |
Non-Fungible Tokens (NFT) | R | P |
Delayed Delivery and Shipping Services | ||
Delayed delivery businesses where the good or service is not shipped, delivered, or fulfilled when the card transaction is processed but is to occur at a future date | R | P |
Drop shipping, shipping brokers, and forwarding brokers | R | P |
Direct Marketing | ||
Outbound telemarketing and telecommunications | R | P |
Multi-level marketing | R | P |
“Negative option” renewal, continuity subscription, or marketing practices involving free or low-dollar trial or “pay only for shipping” periods, after which a credit card is charged periodically or a significantly higher amount | R | P |
Financial Products, Services or Practices | ||
Collection agencies | R | P |
Commodity or security trading | R | P |
Consumer bill payment service providers | R | P |
Consumer credit counseling, reporting, and repair services | P | P |
Crowd sourced fundraising | R | P |
Debt/tax elimination, debt/tax reduction, or debt/tax consulting services | P | P |
Digital wallet or prepaid merchants, including staged digital wallets | R | P |
Loan repayments on a credit card (debit cards allowed) | P | P |
Non-bank lenders: high interest rate non-bank consumer lending or any consumer financing services | R | P |
Money transfers, wire transfers, money orders, money transmitters, and check cashing services, including businesses required to be registered as Money Service Businesses (MSBs) | R | P |
Pawn shops | R | P |
Payday loans | P | P |
Payment aggregators outside of Card Brand approved program | P | P |
Payment plan merchants like Buy Now Pay Later | R | P |
Virtual currency that can be monetized, resold, or converted to physical or digital goods and services that exit the virtual world | P | P |
Firearms, Explosives, & Dangerous/Hazardous Materials | ||
Firearms and accessories such as ammunition, silencers, and suppressors | P | P |
Toxic, flammable, combustible, or radioactive materials | P | P |
Weapon components such as firing pins, magazines, clips, and firearm conversion kits and any 3D-printed weapons | P | P |
Gaming | ||
Bidding fee auctions, including penny auctions | P | P |
Fantasy sports | R | P |
Gambling activities and establishments, including casinos and lotteries | R | P |
Internet gaming | R | P |
Sports forecasting or odds making | R | P |
Sweepstakes | R | P |
Illegal Products & Services | ||
Any goods or services that violate any law, statute, or regulation | P | P |
Businesses that engage in or promote hate, violence, harassment, or abuse | P | P |
Counterfeit merchandise | P | P |
Descramblers, modification chips, jammers, or signal blocking devices | P | P |
Fake IDs and fraudulent government documents | P | P |
Insurance | ||
Insurance sales, premiums, and services | R | P |
Warranty companies (extended warranty companies are prohibited) | R | P |
Intellectual Property Infringement | ||
Products that infringe on the intellectual property rights of others, including counterfeit goods or any product or service that infringes on copyright, trademark, or trade secrets of any third party | P | P |
Legal, Political and Consulting Services | ||
Bail bond services | R | P |
Bankruptcy legal services | ||
Concierge services | ||
Consulting services | ||
Immigration services | ||
Political action committees (PACs) | R | P |
Political campaigns | R | P |
Psychic services, fortune tellers | P | P |
Medical, Drugs & Pharmaceuticals | ||
Cannabis, marijuana | P | P |
Discount medical or dental plans, including discount insurance | R | P |
Drug paraphernalia | R | P |
Hemp/Hemp-Derived Cannabidiol (CBD) dispensaries or online sales, including sales of products that include CBD as an ingredient | R | P |
Internet or mail-order pharmacies or drug stores | R | P |
Nutraceuticals | R | P |
Personal enhancement products (non-FDA approved) | P | P |
Substances designed to mimic illegal drugs, such as Kava and Kratom | P | P |
Telehealth and telemedicine | R | P |
Tobacco, eCigarettes, and “vape” supplies and accessories (card-not-present) | R | P |
Tobacco, eCigarettes, and “vape” supplies and accessories (card present) | ||
Technology Services | ||
Cyberlockers | R | P |
Online cloud data storage | ||
Online delivered software | ||
Online personal computer technical support | ||
Prepaid phone card or phone services, including businesses selling mobile minutes | R | P |
Software resellers | R | P |
Solar panel businesses | R | P |
Web hosting services | ||
Travel | ||
Airlines (commercial, charter and private) | P | P |
Cruise lines | P | P |
Timeshares or related marketing businesses including businesses that resell timeshares | P | P |
Travel agencies or tour operators, except agencies or operators servicing sanctioned locations (e.g., Cuba, Iran, North Korea, Sudan, Syria) are prohibited | R | P |
Unfair, Predatory, or Deceptive Products or Services | ||
Accepting a card as payment for a dishonored check or for an item deemed uncollectable by another merchant | P | P |
Accepting a card at a scrip-dispensing terminal | P | P |
Deceptive practices, including, but not limited to hidden disclosures, pre-checked opt-in boxes, or refund or cancellation avoidance | P | P |
Door to door sales | ||
Investment or “get rich quick” schemes | P | P |
Sale of social media activity, such as click farms | P | P |
Submitting sales for payment that resulted from another commercial entity providing goods or services to the cardholder | P | P |
Other Restricted Industries | ||
Club memberships | ||
Discount coupon businesses or online sites | R | P |
Discount membership clubs | R | P |
Distressed property sales and/or marketing | R | P |
Infomercial merchants | R | P |
Jewellery, gems, and precious metals | ||
Real estate “flipping” | R | P |
Rebate-based businesses | R | P |