June 4, 2021

Prohibited and Restricted Businesses

Prohibited and Restricted Businesses.

GMSolutions has strict guidelines regarding the businesses, products, and services that we deem to be prohibited or restricted from using GMSolutions’s Services or it’s Global Payments Network.

  • Prohibited – we will not process for these products and services
  • Restricted – may be eligible but only with prior approval in writing from Compliance.

The types of businesses listed below are representative, but not exhaustive. Businesses that offer illegal products or services are never eligible to use GMSolutions.

If you are uncertain as to whether a business is Prohibited or Restricted or you have questions about how these requirements apply to your clients, please contact us.

Prohibited Businesses

You must not use GMSolution’s services for the following activities.

Illegal products and services

  • Illegal drugs, substances designed to mimic illegal drugs, and equipment designed for making or using drugs
  • Fake references or ID-providing services
  • Telecommunications manipulation equipment including jamming devices
  • Any business or organization that a. engages in, encourages, promotes or celebrates unlawful violence or physical harm to persons or 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
  • Any other products or services that are in violation of law in the jurisdictions where your business is located or targeted to

Products and services that infringe intellectual property rights

  • Sales or distribution of music, movies, software, or any other licensed materials without appropriate authorization
  • Counterfeit goods; illegally imported or exported products
  • Unauthorized sale of brand name or designer products or services
  • Any other products or services that directly infringe or facilitate infringement upon the trademark, patent, copyright, trade secrets, proprietary or privacy rights of any third party

Products and services that are unfair, predatory, or deceptive

  • Pyramid schemes
  • ‘Get rich quick’ schemes including: investment opportunities or other services that promise high rewards to mislead consumers; schemes that claim to offer high rewards for very little effort or up front work; sites that promise fast and easy money; businesses that make outrageous claims, use deceptive testimonials, use high-pressure upselling, and/or use fake testimonials; (with or without a written contract) offering unrealistic incentives/rewards as an inducement to purchase products or services but do not respond to any queries after the purchase
  • No value added services including sale or resale of a service without added benefit to the buyer and resale of government offerings without authorization or added value
  • Sales of online traffic or engagement
  • Negative response marketing and telemarketing
  • Predatory mortgage consulting, lending, credit repair and counseling services
  • Predatory investment opportunities with no or low money down
  • Remote technical support; mugshot publication or pay-to-remove sites; essay mills; chain letters; door-to-door sales
  • Any other businesses that GMSolutions considers unfair, deceptive, or predatory towards consumers

Adult content and services

  • Pornography and other mature audience content (including literature, imagery and other media) depicting nudity or explicit sexual acts
  • Adult services including prostitution, escorts, pay-per view, sexual massages, and adult live chat features
  • Adult video stores
  • Gentleman’s clubs, topless bars, and strip clubs
  • Online dating services

Certain legal services

  • Law firms collecting funds for purposes other than legal service fee payment
  • Bankruptcy attorneys
  • Bail bonds

Firearms, explosives and dangerous materials

  • Guns, gunpowders, ammunitions, weapons, fireworks and other explosives
  • Peptides, research chemicals, and other toxic, flammable and radioactive materials


  • Games of chance including gambling, internet gambling, sweepstakes and contests, fantasy sports leagues with for a monetary or material prize
  • Sports forecasting or odds making with a monetary or material prize
  • Lotteries
  • Bidding fee auctions


  • Cannabis products
  • Cannabis dispensaries and related businesses

Misuse of GMSolution products

  • Use of GMSolution products with false, manipulated, inaccurate, or misleading information regarding your identity, business entity, the nature of business, and any other information requested by GMSolution (you must inform us immediately of any changes to your personal and business information)
  • Use of GMSolution products to facilitate transactions on behalf of another undisclosed merchant or for products/services that were not disclosed in the merchant’s GMSolution account application
  • Use of GMSolution 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
  • Cross-border acquiring where the business address of the merchant is outside of the jurisdiction of the acquiring GMSolution entity unless permitted under the card network rules
  • Sharing cardholder information with another merchant for payment cross-sell products or services
  • Use of GMSolution intellectual property without prior written consent from GMSolution ; use of the GMSolution name or logo including use of GMSolution trade or service marks inconsistent with the GMSolution Marks Usage Agreement, or in a manner that otherwise harms GMSolution or the GMSolution brand; any action that implies an untrue endorsement by or affiliation with GMSolution
The types of businesses listed are representative but not exhaustive.

Additional Jurisdiction-Specific Prohibitions

Hong KongMarketing lead generation servicesUnregistered charities
IndiaAlcohol Charities Dating and matchmaking services Lobby groups, political organizations Mining and oil drilling Religious organizations Sex toys Soliciting donations or fund contributions
JapanAnimals C2C services outside of GMSolution Connect Donations to individuals Fundraising for or financing businesses that are listed as prohibited/restricted above Health instruments Industrial waste disposal and garbage disposal devices; water purifiers International marriage brokerage businesses
MalaysiaSex toys
MexicoAdoption agencies Credit card and identity theft protection services Cross-border currency exchange services Debt collection agencies Direct marketing- travel Electronic cigarettes for card-not-present transactions Ephedrine Game console modification devices HCG weight loss Investment services Penny auctions Pharmaceuticals wholesale for card-not-present transactions Search engine optimization Telemedicine Tobacco for card-not-present transactions
SingaporeMarketing lead generation services Sale of ads for any products or services deemed illegal in Singapore; sales of products that facilitate payments to any of these products or services Sex toys
ThailandPsychic services and fortune tellers Unregistered charities Vehicle sales Vitamins Historical artifacts Dating services Surrogacy services Online alcohol sales Timeshares Private investigators, protection services and detective agencies
United Arab EmiratesHistorical artifacts, ivory products, prison-made products Sex toys
United StatesExtended warranties and subscriptions over one year Sex toys Unregistered charities

Restricted Businesses

You must not use GMSolution’s services for the following activities, unless you have received our prior written approval. Restricted Business categories may be imposed through card network rules, requirements of financial partners, or due to compliance and legal obligations. If your business falls into one of the restricted categories, please contact us. We are here to help!

Regulated industries such as:

Financial products and services

  • Investment and brokerage services
  • Lending services
  • Buy Now Pay Later services
  • Crowdfunding
  • Debt collection agencies
  • Insurance services including medical benefit packages
  • Money transmitters, currency exchange services and other money services businesses
  • Neobanks / challenger banks
  • Other financial institutions

Government services

  • Government grants
  • Embassy, foreign consulate, or other foreign governments

Cannabidiol (CBD)

  • CBD products containing negligible amounts of THC

Pharmaceuticals, medical devices and telemedicine

  • Online pharmacies
  • Prescription-only products including card-not-present pharmaceuticals
  • Prescription-only and regulated medical devices
  • Telemedicine and telehealth services


  • Tobacco products including e-cigarettes and e-liquid


  • Credit card and identity theft protection services
  • Other age restricted goods or services

Businesses that may pose elevated financial risk such as:


  • Travel reservation services and clubs
  • Airlines and cruises
  • Timeshare services

Non-fiat currency and stored value

  • Virtual and cryptocurrencies, non-fungible tokens (NFTs), and mining services (for crypto and NFT supportability and availability by region )
  • Prepaid phone cards, sim cards, and phone services
  • Sale of stored value or credits maintained, accepted and issued by anyone other than the seller
  • Sale of in-game currency or game items, unless the merchant is the operator of the virtual world

Business models that may be particularly prone to abuse by ‘bad actors’ such as:

Multi-level marketing

  • Businesses where sellers get their revenue both from selling items and from signing up new sellers
  • Network marketing and referral marketing programs
  • Shipping and forwarding brokers


  • Shipping brokers
  • Forwarding brokers
  • Drop shipping


  • Charity sweepstakes and raffles for the explicit purpose of fundraising

The types of businesses listed are representative but not exhaustive

Should you have any questions regarding merchant business industry , feel free to consult with our team today .