We Process all Credit Card Types

High Risk That We Can Approve

• Airlines To be underwritten by the Major Merchant Group. (Includes charter airlines)
  
  
• Adoption Agencies
  
  
• Non-Profit Agencies such as Catholic Charities, Children’s Home Society, Luther Social Services, etc.
  
  
• Annual Memberships and Recurring Charges -- Any situation where a cardholder pays a scheduled charge over a period of time for a service or membership – example: country club dues, health club memberships, etc.
  
  
• Auction Houses -- via an auction format of antiques, fine art and premium collectables to dealers, private buyers, museums and other institutions.
  
  
• Bail Bondsmen Merchants that post bail to the court system as security for the appearance of the arraigned individual.
  
  
• Buying and Shopping Services and Clubs Merchants that provide buying and shopping services to individuals or businesses on a fee basis. These businesses do not directly sell the merchandise to the consumer, but act as an intermediary to facilitate the buying process.
  
  
• Checking Cashing Institutions (nonfinancial) This MCC must be used for the funding of an account, the purchase of foreign currency, money orders, travelers checks, or the transferring of a value to a stored value card occurring at non financials institutions such as currency exchanges, money merchants and hotels.
  
  
• Collectibles and High Market Value Items Merchants falling into this category sell items with an arbitrary market value that is largely dependent on what the going rate is and what consumers are willing to pay, which results in frequent customer disputes. Also, fraud is frequently involved in these types of businesses – the product is a fake or its value is deliberately overestimated.
  
  
• Companion/Dating Services Any service that provides companions for social or other events, arranges introductions for the purpose of dating, etc.
  
  
• Computer hardware
  
  
• Computer software sales
  
  
• Computer maintenance/repair Merchants that sell, service computer hardware and programming software services for personal and business use. Computer network/Information services Merchants that provide electronic bulletin board access or on-line services via computers.
  
  
• Includes Internet Service Providers (ISPs).
  
  
• Computer programming, Data processing and integrated Systems design services. Merchants that provide computer programming services, systems design, and data processing services on a contract or fee basis. They provide a variety of services such as computer software design and analysis, software or systems modifications, data entry or data processing, and training in the use of custom software.
  
  
• Cruise Lines
  
  
• Currency Exchanges Businesses offering currency conversion for foreign currency, travelers checks, drafts & wires, and precious metals.
  
  
• Direct Marketing – combination catalog and retail merchant Merchants that are catalog merchants who also operate one or more retail outlets, which offer a face-to-face environment for sales.
  
  
• Direct marketing – other Direct marketers (not elsewhere classified)Merchants that sell products or services through a variety of direct response methods that include an order form or an address and/or telephone # the customer may use to place an order by mail, telephone or fax. These merchants often utilize mass-marketing techniques such as brochures, radio and television direct response ads, and TV infomercials. This also includes Direct Marketing of diet products, prize giveaways, and pay per call information services.
  
  
• Door to Door Sales Merchants that sell merchandise by means of house-to-house canvass. This mcc includes merchants that sell a variety of products door to door such as cosmetics, household items, bakery goods, dairy products, and magazine subscription sales.
  
  
• Fulfillment Houses Businesses that fill subscriptions or orders on behalf of third parties.
  
  
• Furniture Stores Sell home furnishings and typically offer a wide variety of finished furniture products and accessories for the home.
  
  
• Gambling Operations of gaming or betting establishments that may or may not be associated with hotels, restaurants, riverboats, and resorts Inbound Telemarketing Merchants that provide one or more audiotext/videotext services.
  
  
• Jewelry stores Merchants that sell one or more types of fine jewelry or other precious stones mounted in precious metals and fashioned into rings, necklaces, bracelets, earrings and broaches. Does not include merchants that primarily sell china and/or crystal.
  
  
• Licensed/Certified Massage Therapists --Must have a copy of a massage therapist license or certification.
  
  
• Modeling Agencies/schools
  
  
• Oriental Rugs Retail sellers of floor coverings specializing in oriental rugs.
  
  
• Outbound telemarketing company Merchants that contact prospective buyers by telephone, mail (other than catalog), instructing the cardholder to call the merchants to generate sales. Examples of products include: cosmetics, health care products, vitamins, time-share realty, discount buying clubs, and membership clubs. Also includes "up-sellers", merchants who solicit products of other Direct Marketing merchants when cardholders contact their call centers.
  
  
• Pawn Shops Merchants that lend money in exchange for personal property left with the merchants as security. The merchant may, upon default of the loan, sell the property to the general public.
  
  
• Pharmaceuticals via Internet Wholesale distributors of prescription and non prescription medicine, proprietary drugs, vitamins over the Internet.
  
  
• Precious Stones and Metals, watches and jewelry (wholesale) Merchants that are wholesale distributors of jewelry, precious stones and metals. Also includes wholesalers of costume jewelry, watches and watch parts, clocks, silverware, diamonds and gemstones, precious metals, gems and trophies.
  
  
• Prepaid phone cards, prepaid cell phone (stand alone seller) Merchants who primarily sells prepaid phone cards and prepaid cell phones.
  
  
• Seminar marketers/Seminar planning services.
  
  
• Sports forecasting/oddsmaking Includes any merchant or web site that allows bets to be placed on the outcome of a game of change, race, sporting competition, etc. Includes lotteries.
  
  
• Telecommunication Services These merchants provide telecommunication services including local and long distance telephone calls.
  
  
• Ticket Brokers/Agencies Although the ticket agencies may conduct much of their business in a non face-to-face manner, they are not considered direct marketing merchants because they do not directly solicit their business primarily through catalogs, telemarketing, etc.
  
  
• Third Party payment service providers Payment service that allows cardholders to register all their debts with that service, make.
  
  
payment to that service, and that service forwards payment to the creditors. Example: netgiro.com


• Timeshares Merchants that sell, lease and rent timeshares real estate and arrange timeshare condominium exchanges.
  
  
• Travel Agencies and Tour Operators Businesses primarily providing travel information and booking services.
  
  
• Used car and truck dealers Sale of used automobiles and motor homes, only, with no sales of new automobiles and motor homes.
  
  
• Wire transfer-money orders Merchants that allow customers to transfer funds via a wire transfer money order. The transaction may occur in either a face to face or non face to face manner.