Restricted Services and Businesses on Vagaro Merchant Services

Excluded Businesses and Services List

The following categories of services and business practices are restricted from using the Vagaro Merchant Services. ("Restricted Services and businesses"). Restricted Services categories may be imposed through Vagaro Merchant Services Terms of Use and/or Network Rules or the requirements of our Financial Services Providers. The types of services listed below are excluded but by no means an exhaustive list. By registering with us, you are confirming that you will not use the Service to accept payments in connection with the following services or businesses that provide such services, business activities or business practices unless you have received prior written approval from Vagaro Merchant Services.

You may not use the Services, for Your benefit or the benefit of another, for any activities Vagaro Merchant Services has identified as a prohibited services or business or activity (collectively, “Restricted Services and Businesses”). Please review the list of Prohibited Services and Businesses thoroughly before registering for and opening a Vagaro Merchant Account. If You are uncertain whether a service of business or activity is prohibited or have questions about how these restrictions apply to You, please contact us. You may not use the Services to facilitate illegal Transactions. You will not authorize or otherwise encourage any third party to (a) interfere or attempt to interfere with the proper working of Vagaro Merchant Services or prevent others from using the Vagaro Merchant Services, or (b) use Vagaro Merchant Services for any fraudulent or unlawful purpose. Violation of any of the foregoing may result in immediate termination of this Agreement, at Vagaro Merchant Service’s sole discretion, and may subject You to state and federal penalties and other legal consequences. You agree that Your website shall comply with the following standard guidelines:

Restricted Activities (defined as categories that may be allowed with additional underwriting and potential reserve requirements)

•    Antiques and vintage items
•    Art
•    Automobile parts, used & new
•    Catering
•    Collectibles
  o    Coins
  o    Faces, Names and Signatures
  o    Stamps
•    Cross-border transactions
•    Electronics
•    Furniture
•    IT (Information Technology) Services
•    Jewelry
•    Live Animals
•    Moving companies
•    Precious metals (Bars, coins, etc.)
•    Private Investigators
•    Taxi / Limo services
•    Web hosting & web design

Prohibited Activities

• Adult content, adult-related products
• Aggregation or Factoring
• Airline reservations
• Bail Bonds
• Bankruptcy Lawyers
• Bidding Fee (penny) auctions
• Business Investment Opportunities operating as “get rich quick schemes” such as real estate purchase with No Money Down, government grants, etc
• Card Brand prohibited activity (brand-damaging activities)
• CBD Oil
• Chain Letter businesses
• Collections Agencies
• Counterfeit goods, unauthorized sale of brand name goods such as Nike, Apple, Gucci, etc.
• Credit Card Repair Services
• Credit card ID theft protection and credit monitoring
• Cyberlockers are any entity that provides access to or accepts payments on behalf of file lockers
• Data Pass (merchants upselling or cross-selling products to or for other merchants and then sharing the cardholder data with a third party of receiving cardholder data from third parties)
• Dating services, escort services, mail-order brides
• Deceptive marketing practices, including hidden disclosures, bogus claims and endorsements, pre-checked opt-in, negative options
• Door to door sales
• Employment services
• Embassy, Foreign Consulate or other Foreign Government
• Fake References and other services/products that foster deception (fake ID’s, government documents)
• Firearms and ammunitions, any Card Not Present sales (internet / MOTO)
• Fortune tellers
• Future services longer than 1 year
• Gambling, includes advice or tips on gambling
• Illegal products and services
• Illicit drugs, tools, hookahs or other paraphernalia designed to mimic illegal drugs, e.g. K2, salvia, kratom, divinorum, synthetic cannabis, CBD Oil, HCG or HGH-like substances, etc.
• Inbound telemarketing companies that receive calls as the result of post cards or similar mailings (as opposed to catalog or media advertising)
• Insurance Brokers
• Import/export wholesalers
• IP or copyrighted products or materials
• Jammers or devices that are designed to block, jam or interfere with cellular and personal communication devices or signals
• Loan renegotiation services, foreclosure mitigation services, debt reduction/consolidation
• Locations outside the US
• Call Centers or fulfillment centers outside of the US
• Long distance / VOIP service brokers
• Marijuana, marijuana products and services and marijuana-related businesses
• Merchants in Bankruptcy
• Merchants listed on the MATCH file
• Merchants selling age or legally-restricted products or services via the Internet and or MO/TO
• Merchants offering substantial rebates or special incentives as inducement to purchase products or services, e.g. free gift prize, sweepstakes, etc.
• Merchants that have ransom-like or extortion-like basis for business, e.g. mug shot removal
• Merchants utilizing tactics to evade Card Brand Excessive Chargeback Programs (ECP)
• Money service businesses such as money transfer, money transmitter, quasi-cash, check cashing, currency exchange/dealers, payday loans, title loans, non-banking loans, etc.
• Mortgage companies (except application fees)
• Occult material, hypnotism, psychic readings, tarot cards, healing potions, voodoo, etc.
• Outbound telesales
• Pharmacies non-face-to-face via internet and or MO/TO
• Pre-paid cards and pre-paid calling cards
• Payment Facilitators (PF), Aggregators, and Internet Payment Service Providers (IPSP)
• Products that promote hate violence, abuse, or harassment
• Pyramid schemes or Multi-Level Marketing (MLM)
• Pseudo pharmaceuticals such as anti-aging pills, sexual stimulants, weight loss, diet, etc.
• Real estate purchases
• Shipping / forwarding brokers
• Shipping of live animals
• Social media uses of the sale of clicks/likes/reviews/endorsements on websites
• Speculative investment / buying and selling of stocks and bonds
• Sports forecasting or odds-making betting
• Timeshare sales or advertising services
• Tobacco sales that are non-face-to-face(via internet and or MOTO), including merchants with websites selling or showing e-cigarettes
• Travel (agents, brokers)
• Virtual Currency that can be monetized, resold or converted to physical/digital goods/services, e.g. bitcoins
• Warranties