Prohibited

Prohibited Merchant List
ADULT SEXUALLY ORIENTED MATERIALS/PRODUCTS/ SERVICES
AGGREGATORS
AIRLINES
AIR PURIFICATION SYSTEMS
ASTROLOGISTS / HOROSCOPES / FORTUNE TELLERS
AUTOMOTIVE FINANCE COMPANIES
AUTOMOTIVE PARTS (MOTO/INTERNET – MINIMUM 2 YEARS IN BUSINESS AND 6 MONTHS
PREVIOUS PROCESSING)
AVIATION SCHOOLS
BUSINESS OPPORTUNITIES/ INVESTMENT OPPORTUNITIES/ GET RICH QUICK SCHEMES
BUYING/SHOPPING CLUBS
CHECK CASHING SERVICES
COLLECTION AGENCIES/FIRMS (PAST DUE RECOVERIES OR WRITTEN OFF DEBT)
CORAL CALCIUM
CREDIT REPAIR/RESTORATION
CRUISE LINES
CURRENCY EXCHANGE (ALL TYPES)
CUSTOM GOLF CLUBS
DATING / MATCH MAKING COMPANION SERVICES (IN PERSON OR ONLINE)
DIRECT OUTBOUND TELEMARKETING (ALSO SEE TELEMARKETING COMPANIES)
DROP SHIPPING
DRUG PARAPHERNALIA
ELECTRONIC CIGARETTES
ESCORT SERVICES
FIREARMS (ALSO SEE ‘ONLINE’ )
FLIGHT INSTRUCTION SCHOOLS/FLIGHT INSTRUCTORS
FORTUNE TELLERS/HOROSCOPE/ASTROLOGISTS
FREE TRIAL OFFERS – ALL PRODUCT / SERVICES TYPES
FUEL ADDITIVES / ENERGY SAVING DEVICES (GIMIC TYPE PRODUCTS)
FUTURE SERVICE LIABILITY GREATER THAN ONE YEAR –ALL PRODUCT
TYPES/SERVICES/MEMBERSHIPS
GAMBLING – IN PERSON OR ONLINE (ALL TYPES – CAR RACING, DOG RACING, HORSE
RACING, LOTTERIES, FANTASY SPORTS, BINGO ETC)
GAMING/GAMBLING – MACHINES OR EQUIPMENT ( SALES, SERVICE OR REPAIR )
HAIR RESTORATION PRODUCTS (NON PRESCRIPTION)
HOODIA PRODUCTS (ALL TYPES – ORAL, SPRAY, INJECTIBLES)
HOOKAH ESTABLISHMENTS – ALL TYPES
HYPNOTISTS/HYPNO THERAPISTS
HOROSCOPE/FORTUNE TELLERS/ASTROLOGISTS
HUMAN GROWTH HORMONES (HGH) – ALL TYPES (ORAL, SPRAY OR INJECTIBLES)- ALSO
SEE PSUEDO PHARMACUETICALS
IMMIGRATION & NATURALIZATION SERVICES (UNLESS PROVIDED BY A LICENSED
ATTORNEY)
INBOUND/OUTBOUND TELESERVICES (ALSO SEE “TELEMARKETING COMPANIES”)
INTERNET SALES – FIREARMS
INTERNET SERVICE PROVIDERS (ISP – ALSO SEE WEB HOSTING)
INVESTMENT OPPORTUNITIES/ GET RICH QUICK SCHEMES
LIFE COACHING

LIQUIDATION COMPANIES
LOAN MODIFICATIONS / MORTGAGE RELIEF SERVICES
MAGAZINE SUBSCRIPTIONS
MEDICAL DATA MANAGEMENT SERVICES OR SOFTWARE SYSTEMS
MEDICAL MARIJUANA (ALL TYPES – GROWERS, DISTRIBUTORS, RETAILERS, COLLECTIVES,
COLLECTIVES CAREGIVERS, CO-OPS ETC)
MORTGAGE COMPANIES / MORTGAGE SERVICES (ALL EXCEPT APPRAISAL SERVICES)
MULTI-LEVEL MARKETING DISTRIBUTORS / BUSINESS OPPORTUNITIES
NET BANKS
NON PROFIT OR CHARITABLE ENTITIES – START UPS
ONLINE AUCTIONS
ONLINE FIREARMS SALES
ONLINE TOBACCO SALES
OUTBOUND/INBOUND TELESERVICES (ALSO SEE “TELEMARKETING COMPANIES”
PAY DAY LOANS
PAY PER CLICK AND PARKED WEBSITES – ALL TYPES OF PRODUCTS/SERVICES
POLITICAL CAMPAIGNS/CANDIDATES (ANY ORGANIZED SPECIFICALLY TO PROMOTE
INDIVIDUALS)
PORNOGRAPHIC MATERIALS
POSTAL EXAM PREP/TRAINING MANUALS OR MATERIALS
PREPAID PHONE / CALLING CARDS
PRODUCTS WITH UNREASONABLE GUARANTEES (ANY)
PSEUDO-PHARMACEUTICALS AND NUTRACEUTICALS – ORAL, SPRAY OR INJECTIBLES
(ACAI BERRY, ANTI AGING, HGH, CORAL CALCIUM, SEXUAL ENHANCEMENT/ NUTRIENTS,
HOODIA, STEROIDS ETC)

PYRAMIDS/PONZI SCHEMES
REAL ESTATE – ALL TYPES OF PRODUCTS/SERVICES
SEARCH ENGINE OPTIMIZATION
SOCIAL NETWORKING SITES – ALL
SOFTWARE – PROPIETARY TYPES ONLY
START UP NON PROFIT OR CHARITABLE ENTITIES
TELEMARKETING COMPANIES WITH THE FOLLOWING
OPERATIONS:
-FREE GIFT/PRIZE OR SWEEPSTAKES IF PRODUCT OR SERVICES IS PURCHASED
-CHAIN LETTERS
-SALES OF ANY PRODUCT OR SERVICES THAT IS RESTRICTED OR PROHIBITED
-HODGE PODGE PRODUCT MIX
-SOLICITATION WITH OUTBOUND TELEPHONE CALLS OR FAXES (FAX BLASTING), EMAIL
SPAMMING ETC

TIME SHARES
TELEZAPPERS
TRAVEL – ALL AGENCIES/TOUR OPERATORS/TRAVEL CLUBS (OTHER THAN SERVICE FEES
UNDER $50)
USED/NEW CAR SALES (EXCEPT FOR DEPOSITS, REPAIRS AND DETAILING)
WATER PURIFICATION SYSTEMS
WEIGHT LOSS / DIET PILLS
WEB HOSTING/WEB SITE DEVELOPMENT
WHOLESALE CLUBS

Source: https://agentinfocenter.com/prohibited_merchant_list.pdf

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Unspecific Effects of Caffeine Consumption: When Does the Mind Overrule the Body? Rainer Schneider University of Osnabrück, Department of Human Sciences, Differential Psychology and Personality Psychology, Seminarstr. 20, 49074 Osnabrück, Germany Abstract Although much is known about the pharmacokinetics of caffeine (i.e., what the body does to the drug), its pharmacody

nslab.ee.ntu.edu.tw

Facebook Recently reaching 1 billion active users per month [1], Facebook is no doubt one of the most powerful web services. Few of my friends don’t use Facebook, and almost all connections in my life are established through Facebook. When discussion is needed in, for example, a class or a club, we always add teammates as friend, build a Facebook group, and then decide topics, arrange me

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