You may not use the Yo! Payments service for activities that:
- violate any law, statute, ordinance or regulation.
- relate to transactions involving (a) narcotics, steroids, certain controlled substances or other products that present a risk to consumer safety, (b) drug paraphernalia, (c) cigarettes, (d) items that encourage, promote, facilitate or instruct others to engage in illegal activity, (e) stolen goods including digital and virtual goods, (f) the promotion of hate, violence, racial or other forms of intolerance that is discriminatory or the financial exploitation of a crime, (g) items that are considered obscene, (h) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, (i) certain sexually oriented materials or services, (j) ammunition, firearms, or certain firearm parts or accessories, or (k) certain weapons or knives regulated under applicable law.
- relate to transactions that (a) show the personal information of third parties in violation of applicable law, (b) support pyramid or ponzi schemes, matrix programs, other “get rich quick” schemes or certain multi-level marketing programs, (c) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, (d) are for the sale of certain items before the seller has control or possession of the item, (e) are by payment processors to collect payments on behalf of merchants, (f) are associated with the sale of traveler’s checks or money orders, (h) involve currency exchanges or check cashing businesses, (i) involve certain credit repair, debt settlement services, credit transactions or insurance activities, or (j) involve offering or receiving payments for the purpose of bribery or corruption.
- involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent.
Activities Requiring Approval
The following categories of use and items require pre-approval by Yo! Payments:
- Airlines and scheduled or non-scheduled charter/air taxi operators
- Alcohol
- Bail bonds
- Bankruptcy attorneys
- Cable satellite and other pay television and radio services
- Charities and non-profit organizations
- Collection agencies
- Computer technical support and repair services (remote access)
- Credit counselling or credit repair services
- Credit protection or identity theft protection services
- Dating services
- Direct marketing – continuity subscription merchants
- Direct marketing – inbound teleservices merchants
- Direct marketing – outbound teleservices merchants
- Direct marketing – subscription merchants
- Drug stores and pharmacies
- Extended warranties
- Fines, government administrative entities and government services (other than electric, gas, water, sanitary services)
- Financial institutions – merchandise and services
- Furniture stores
- Government licensed horse/dog racing
- Government licensed online casinos
- Herbalists and herbal treatments
- Investing – general
- Membership clubs (including adult entertainment) and organizations (not elsewhere classified)
- Money transfers and service businesses
- Negative response marketing
- Non-financial institutions – foreign currency, non-fiat currency (for example: cryptocurrency), money orders (not money transfer), account funding (not stored value), travelers checks, and debt repayment
- Nutraceuticals
- Online dating
- Pawn shops
- Precious stones and metals, watches and jewelry
- Prepaid phone services
- Real estate agents
- Selling online business opportunities, courses, or workshops
- Service stations
- Sports forecasting or prediction services
- Supplements, including protein, carb, and weight loss
- Telecommunication services and equipment
- Telemarketing – travel-related arrangement services
- Timeshares
- Tobacco
- Travel agencies and tour operators
- Used and secondhand merchandise stores
- Wire transfer money orders
If you are uncertain whether a use and/or item falls under a prohibited or restricted category, please contact us.