Credit and debt services

Indirect financing and linked credit providers; payday lenders,
fringe lenders, credit counselling, and credit repair services;
debt relief service scams, debt reduction services, debt
consolidation, and debt collection agencies.

Money services

Money transfer services, remittance service providers, manual
and automated cash disbursements; foreign currency, money
orders and travellers cheques; remote stored value load; digital
wallet operator, money services bureaus, remittance dealers;
remittance agent; platform providers.

Digital currencies

Counterfeit or unauthorised goods

Counterfeit goods or any products infringing on intellectual
property rights such as knock-offs, imitations or bootlegs.
Any products that trade off another’s name, reputation
or trademark, as this is a violation of intellectual property rights.

False or forged documents

Fake references and other services or products that foster deception
(including fake IDs and copies of government documents).

Malware

Malicious software that will cause damage, breach of privacy,
security, or enable access to computers or data of others.

Cyberlockers

Any cloud-based businesses providing file sharing, data
storage with uploading and / or downloading capabilities.

Mugshot publications

Mugshot websites which generate revenue by extorting a
fee to remove a person’s photos or records.

Hate content

Hate websites which include any type of hate speech or
decriminalisation against any person or persons based on
gender, sexual orientation, religion or ethnicity.

Usenet activity

Usenet internet forums or bulletin board systems, where
customers are allowed to read and post messages as well as
post images and links to videos.

Anonymous proxy

Proxy avoidance or anonymiser sites which provide customers
with the ability to use the internet anonymously, thereby
masking the true geographic location of the customer.

Telecommunication services

Local calls, long distance calls, credit card calls, calls through
use of magnetic stripe reading telephones and fax services.
Businesses providing a telecommunication service must
have a direct merchant agreement with an acquiring bank.

Online sales and distribution of music,
movies, games or computer software

Including record stores, CDs, cassettes, compact discs,
music stores, used record / CD stores or digital goods
that are delivered electronically.

Audiotext

Online gambling

Lottery tickets, casino gaming chips, off-track betting,
and wagers at race tracks; government-owned lotteries,
government-licensed online casinos and government-licensed
animal racing; FX trading, binary options trades, e-voucher
business models; fantasy sports business, and games of skill.

Pharmacies and drug stores

Any business activity which handles prescription medicines
and pharmaceuticals, including corrective or decorative
contact lenses and other prescription medical devices.

Illicit and synthetic drugs

High-priced vitamins and alternative medicines, psychoactive
herbal products, psilocybin mushrooms and spores, or other
hallucinogenic substances, sales of synthetic cannabis
(e.g. K2, kratom, salvia divinorum, un-hulled hemp seed).

Health supplements

Health food and dietary supplement stores, vitamin stores,
sports nutrition stores, sale of body building supplements,
weight management supplements,
and sexual enhancement supplements.

Alcohol products

Sale of liquor outside of Australia / New Zealand including
florists that offers alcoholic beverage in gift baskets.

Tobacco and related products

Any business activity related to the sale of tobacco,
cigarettes, electronic cigarettes, cigars, pipes,
and smokers’ supplies.

Online sales of animal products

Online sales of animal products such as honey, infant
formula, and any other animal products under the control
of a regulating government body.

Adult content and services

All adult entertainment; including dating, escort agencies,
pornography, brothels, or adult content material
such as DVDs and magazines.

Deceptive marketing

Guaranteed prizes; promises of health, wealth, or beauty;
negative option marketing; pyramid sales; false
celebrity endorsement; misleading social media marketing.

Drop shippers

Businesses that do not keep goods in stock but instead
transfer customer orders and shipment details
to either the manufacturer or wholesaler, then
ships the goods directly to the customer.

Direct marketing

Infomercial businesses; rebate-based businesses; up-selling
businesses; multi-level marketing businesses;
outbound telemarketers; buyers clubs; membership clubs.

Third-party processing

Businesses facilitating payments for other entities; payment
service providers (PSPs), internet payment facilitators,
marketplaces, social crowdfunding including charitable
fundraising platforms and rewards-based donations,
digital wallet operators and instalment agents; towing
services, auction houses, and insurance brokers
which sell risk-based insurance products only
and not annuity products.

Miscellaneous or specialty retail shops

Nuclear industry; testing on animals; sale of firearms
and weapons; daily deal websites; sale of luxury
brand name products.

Other illegal products

Amyl nitrite inhalants (also known as ‘poppers’); jammers
(devices used to block and jam radio frequency);
mobile boosters modification chips; DVD decryption
devices; circumvention devices (i.e. black boxes) that
illegally access copyright materials; illegal wildlife
trade including elephant ivory.

High-risk businesses