The following categories of businesses and business practices are restricted from using the vapulus Service (“Restricted Businesses”).
Restricted Business categories may be imposed through Network Rules or the requirements of our Financial Services Providers. In certain cases, businesses listed below may be eligible for processing with explicit prior approval from Vapulus.
Note, however, that businesses that offer illegal products or services are never eligible to use the Vapulus Services. The types of businesses listed in the right column are representative, but not exhaustive. If you are uncertain as to whether your business is a Restricted Business, or have questions about how these requirements apply to you, By registering with us, you are confirming that you will not use the Service to accept payments in connection with the following businesses, business activities, or business practices, unless you have received prior written approval from Vapulus.
Financial and professional services
|Investment & credit services||Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; investment services; real estate opportunities; lending instruments.|
|Money and legal services||Financial institutions, money transmitters, and money services businesses, check cashing, wire transfers, money orders; currency exchanges or dealers; bill-pay services; crowdfunding; insurance; bail bonds; collections agencies; law firms collecting funds for any
purpose other than to pay fees owed to the firm for services provided by the firm (e.g., firms cannot use Vapulus to hold client funds, collection or settlement amounts, disputed funds, etc.).
|Virtual currency or stored value||Virtual currency that can be monetized, resold or converted to physical or digital products and services or otherwise exit the virtual world (e.g., Bitcoin); cryptocurrency mining equipment; initial coin offerings; digital wallets, sale of stored value or credits maintained,
accepted and issued by anyone other than the seller.
IP Infringement, regulated or illegal products and services
|Intellectual property or proprietary rights infringement||Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder; any product or service that directly infringes or facilitates infringement upon the trademark, patent, copyright, trade secrets, or proprietary or privacy rights of any third party; use of Vapulus intellectual property without prior written consent from Vapulus; use of the Vapulus name or logo including use of Vapulus trade or service marks, or in a manner that otherwise harms Vapulus or the Vapulus brand; any action that implies an untrue endorsement by or affiliation with Vapulus.|
|Counterfeit or unauthorized goods||Counterfeit goods; unauthorized sale or resale of a brand name or designer products or services; sale of goods or services that are illegally imported or exported.|
|Gambling||Lotteries; bidding fee auctions; sports forecasting or odds-making for a monetary or material prize; fantasy sports leagues with cash prizes; internet gaming; contests; sweepstakes; games of chance including legal or illegal forms of gambling, internet gambling, sweepstakes and contests with a buy-in or cash prize; charity sweepstakes and raffles for the explicit purpose of fundraising.|
|Regulated or illegal products or services||Cannabis dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online pharmacies; prescription-only products including card-not-present pharmaceuticals; peptides and research chemicals; fake references or ID-providing services; age-restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials; products and services with varying legal status on a state-by-state basis; goods or services, the sale of which is illegal under applicable law in the jurisdictions to which your business is targeted or directed.|
|Adult content and services||Pornography and other obscene materials (including literature, imagery and other media) depicting nudity or explicitly sexual acts; sites offering any sexually-related services such as prostitution, escorts, pay-per-view, adult live chat features; sexually oriented items (e.g., adult toys); adult video stores and sexually oriented massage parlors; gentleman’s clubs,
topless bars, and strip clubs; sexually oriented dating services.
Unfair, predatory, or deceptive practices
|Get rich quick schemes||Investment opportunities or other services that promise high rewards.|
|Mug shot publication or pay-to-remove sites||Platforms that facilitate the publication and removal of content (such as mug shots), where the primary purpose of posting such content is to cause or raise concerns of reputational harm.|
|No-value-added services||Sale or resale of a service without added benefit to the buyer; resale of government offerings without authorization or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers.|
Products or services that are otherwise restricted by our financial partners
|Aggregation||Engaging in any form of licensed or unlicensed aggregation of funds owed to third parties, factoring, or other activities intended to obfuscate the origin of funds; payment facilitation.|
|Drug paraphernalia||Any equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs.|
|High-risk businesses||Bankruptcy lawyers; remote technical support; psychic services; essay mills; chain letters; door-to-door sales; medical benefit packages; telemedicine and telehealth services; travel reservation services and clubs; airlines; cruises; timeshares; circumvention, jamming and
interference devices; prepaid phone cards, phone services; telemarketing, offering substantial rebates or special incentives as an inducement to purchase products or services; telecommunications manipulation equipment; forwarding brokers; negative response marketing; subscriptions over one year; extended warranties; government grants;
embassy, foreign consulate, or other foreign governments; charities without proper registration; credit card and identity theft protection; the use of credit to pay for lending services; any businesses that we believe poses an elevated financial risk, legal liability, or violates card network or bank policies; any business or organization that a. engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or
the property, or b. engages in, encourages, promotes or celebrates unlawful violence toward any group based on race, religion, disability, gender, sexual orientation, national origin, or any other immutable characteristic.
|Multi-level marketing||Pyramid schemes and multi-level marketing.|
|Pseudo pharmaceuticals||Nutraceuticals, pseudo-pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body.|
|Social media activity||Sale of Twitter followers, Facebook likes YouTube views, and other forms of social media activity and online traffic.|
|Substances designed to mimic illegal drugs||Sale of a legal substance that provides the same effect as an illegal drug (e.g., salvia, kratom).|
|Video game or virtual world credits||Sale of in-game currency unless the merchant is the operator of the virtual world.|
|Use of Vapulus in a manner inconsistent with its intended use or as expressly prohibited in the Vapulus Services
|Use of Vapulus principally as a virtual terminal (e.g., submitting card transactions by manually inputting card information); processing where there is no bona fide good or service sold, or donation accepted; card testing; evasion of card network chargeback monitoring programs; crossborder acquiring; sharing cardholder information with another merchant for payment cross-sell product or service.|