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

Any digital currency that can be monetised, resold, or converted
to physical or digital products and services or otherwise exit the
virtual world (e.g., Bitcoin); sale of stored value or credits
maintained, accepted and issued by anyone other than the seller.

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 of 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.

Mug shot publication

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 anonymizer 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, cassette, compact disc, music stores,
used record / CD stores or digital goods that are
delivered electronically.

Audiotext

Chat lines, chat rooms and voice bulletin boards for
dating sites, fortune telling and life coaching.

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 and / or 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, 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 platform and rewards
based donations, digital wallet operators and instalment agent.
Towing services, auction house 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.

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 accessing copyright materials; illegal wildlife trade
including elephant ivory.

High-risk businesses

Computer technical support; airlines and air carriers; car rental
agencies; steamship and cruise lines; travel agencies and tour
operators; insurance services.