Vapulus’ Restricted & Prohibited List

The Vapulus list of Merchant Products and Services may only be used with the express written permission of Vapulus. This list is compiled on the basis of Vapulus’ current understanding of applicable laws, risks factor (including likely Chargeback Levels and/or fraud levels), reputation impact, and costs aspects related to providing Vapulus’ Services for products or services.


There are Scheme Owners of specific Payment Methods, the used by Vapulus via its Services, who may have more stringent restrictions with respect to certain products or services. In this event, Merchant should check then current restrictions or prohibitions applicable to the relevant Payment Method when using a Payment Method to ensure compliance.


 Vapulus’ agreement, generally or on an exceptional basis, to provide its Services for a particular product or services type should not be interpreted as an advice or opinion of Vapulus regarding the legality of Merchant’s Products and Services and of its intended use of the Services. Merchant is, and remains solely, responsible that Merchant Products and Services sold are compliant with the applicable Scheme Rules and applicable laws in its country of origin and the countries where its customers are based in.


While Vapulus agrees to provide its Services for a broad category of services (e.g. DVDs), this does not imply that this consent also covers subcategories within that category which are prohibited or restricted as per this list (e.g. counterfeit DVDs). 


Prohibited for all transaction types

Merchant may never use the Vapulus services in for any of the following:


Drugs, and tools specifically intended for the production of drugs, Drug paraphernalia Illegal Drugs, substances designed to mimic illegal drugs, and/or other psycho active products (e.g., K2, salvia divinorum, nitrate inhalers, bath salts, synthetic cannabis, herbal smoking blends, herbal incense, and HCG/HGH-like substances)

Products/services specifically offered or intended to be used to create drugs or grow ingredients for drugs (e.g. ‘grow shop’ products, seeds for cannabis plants, etc.) 

Pyramid schemes.

Escort agencies / massage parlors / sexual services.

Timeshare and timeshare maintenance

Independent financial advisers (IFA), Payday loans and unsecure loan/lines originating from non-FDIC insured banks

Counterfeit goods/replicas or those infringing on intellectual property rights, including those designed to infringe on such intellectual property (i.e., knock-offs, imitations, bootlegs) 

Trade of weapons, ammunitions, military arms, explosive devices and firearm parts 

Products/services that promote hate, violence, discrimination, terrorism, harassment or abuse 

Products designed to circumvent copyright protection techniques or to otherwise facilitate the unlicensed use of copyrighted materials (e.g. ‘mod-chips’ to break the encryption of game computers to enable the playing of unlicensed copies of games).

Providing gambling services in jurisdictions where this is illegal or (where applicable) offering gambling services without a valid license to the relevant jurisdiction. 

Illegal products/services or any service providing peripheral support of illegal activities. 

Adult entertainment, websites & content (such as)

Adult book stores, video stores, toys

Any products on the internet containing graphic or nude content

Audio (phone sex and adult phone conversations)

Companion/escort services or dating services (sexually-oriented)

Fetish products

Membership, clubs, subscriptions


Gentleman’s clubs, topless bars, and strip clubs

Video (web-based sexually oriented video)

Fake references and other services/products that foster deception (including fake IDs and government documents) 

Mail order spouse and international match-making services

Social media “click farms” (i.e., the sale of clicks/likes/reviews/endorsements on social media sites) 

Telemarking companies involved with the following methods of operations:

Offering a free gift, prize, or sweepstakes/contest entry as an inducement to purchase products/services.

Inbound telemarketing companies that receive calls as the result of post cards or similar mailings (as opposed to catalogue or media advertising).

Selling products/services as an agent for a third party.

Merchants engaged in any form of deceptive marketing practice including but not limited to:

Hidden Disclosure 

Bogus claims & endorsements 

Pre-checked opt-in boxes

Refund/Cancellation avoidance

Poorly disclosed negative options

Merchants offering substantial rebates or special incentives (e.g., free gift, prize, sweepstakes, or contest) as an inducement to purchase products/services

Negative response marketing techniques by any type of merchant (i.e., customer is automatically charged if they don’t return the merchandise at the end of a free trial period)

Jammers or devices that are designed to block, jam or interfere with cellular and personal communication devise/signals (e.g., GPS), Decryption and descrambler products including mod chips, Spy devices / services / software.



Restricted for all transaction types 

Merchant may only use the Vapulus Services for any of the following with the express written approval of Vapulus. Vapulus reserves the right to withhold or revoke this approval at its discretion if this use is found to pose a risk to Vapulus’ business and/or reputation:


Betting and gambling, including:

Legal gambling where the cardholder is not present when the bet is made as well as for direct purchase of wagers/chips via payment card

Lotteries, including online lotteries

Sports forecasting or odds making

Internet gambling

Games of skill where participants receive cash or cash equivalents or prizes with/of material value. (e.g. electronics, travel, gift cards etc.)

Fantasy sports leagues where participants receive cash or cash-equivalents or prizes with/of material value. (e.g. electronics, travel, gift cards etc.)

Financial Services / Money Service Businesses, including:

Provider or seller of prepaid access/stored value*


Cash advances (by non-financial institutions)

Issuer/seller/redeemer of money orders or traveler’s checks

Check cashers

Virtual currency or e-wallet or e-money that can be monetized, re-sold or converted to physical/digital goods/services or otherwise exit the virtual world

Money Transfer 

* Open-loop & Closed-loop prepaid access includes gift cards, phone cards, subway cards, college campus cards, game cards and other limited-use prepaid access devices when the value can exceed $2,000

Third Party Payment Processors/Aggregators/Payment Service Companies (e.g., bill pay service, crowd funding, peer-to-peer payments, commissary accounts), Payment Facilitators, ISO’s and other Internet Payment Service Providers (IPSP) / Member Service Providers (MSP) / Fulfillment houses, Shipping/forwarding brokers 

Auctions, Bidding fee auctions (a/k/a penny auctions)

Paying fines or penalties of any kind


Security brokers & Investments of any kind, like purchase of securities, currencies, derivatives, commodities, shares, foreign currencies, options, other financial instruments or precious metals

Private medical practices and e-doctors.

Products or services related to political or social campaigning

Car sales / importers and car advertising publications

Multi-Level Marketing

Airlines (including airlines “nested” under another entity)

Bail bonds 

Bankruptcy lawyers

Business/Investment opportunities operating as “get rich quick schemes” (e.g., real estate purchase with No Money Down, government grants)

Business service companies, such as payroll services, invoicing services and consumer services.

Chain letters

Collection agencies or firms involved in recovering/collecting past due receivables

Credit repair/restoration or card protection (including identity theft protection)

Cruise lines (including cruise lines” nested” under another entity)

Data pass (merchants up-selling or cross-selling products to other merchants and then sharing the cardholder data with the third party or receiving cardholder data from third parties)

Debt consolidation and mortgage reduction/consulting services

Door-to-Door sales

Embassy, Foreign Consulate, or Other Foreign Government

Essay mills/paper mills (i.e., ghost writing services that sell essays, term papers, etc. with intent that the purchaser will submit documentation as their own)

Extended warranties

Merchants that have ransom-like or extortion-like basis for their business model (e.g., mugshot removal)

Merchants utilizing tactics to evade Card Brand excessive chargeback monitoring programs




Restricted for E-Commerce/CNP only

To use Vapulus Services in relation to the following requires Merchant to obtain the express written approval of Vapulus, and this approval from Vapulus may be withheld or revoked at its discretion if it is found to pose a risk to Vapulus’ business and/or reputation:


Travel and holidays

Ticket agencies

Tobacco & Alcohol product, Businesses selling age or legally restricted products or services (including e-cigarettes)

Prescription medicines and pharmaceuticals, incl prescription medical devices (like contact lenses).

Pseudo pharmaceuticals / Nutraceuticals and food products or other digestible marketed via-unsubstantiated and/or unlawful health or medical claims (e.g., food supplements, vitamins, weight-loss, anti-aging, muscle-building, sexual-stimulant supplements, colon cleansers, detox products).

Specific cosmetic products that claim extreme results (Anti-wrinkle, Skin Repair etcetera)

Cyber Lockers, Cloud Storage and File Sharing services

Services associated with pseudo-science (e.g., clairvoyance, horoscopes, fortune telling, etc.)