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Help Centre

Unacceptable Business Types

Paymate regrets we cannot offer payment facilities to sellers who wish to operate in the categories of goods and services listed below. If you are not sure whether your business fits into any of these categories, please email us on clientservices@paymate.com.

These areas or industries are deemed unacceptable because of Bank and Card Scheme rules and restrictions. Previous experience has shown that they are susceptible to high levels of charge backs and/or fraudulent card activity.

  • Accommodation (New-Zealand sellers only)
  • Aggregators (third party payment processors)
  • Airlines
  • Alcohol – unless seller is licensed and restricts purchases to eligible individuals for domestic transactions only.
  • All Sexually Oriented or Pornographic (including book stores, video stores, telephone conversations, video text, etc.)
  • Any Illegal Products/Services (or any service or product providing peripheral support of illegal activities)
  • Auction Houses
  • Audio/Video Text Services
  • Bail Bondsmen
  • Cellular Phone/Beepers (services, not equipment)
  • Chain Letters
  • Unregistered Charities (MUST be registered with the Australian Charities and Not-for-Profits Commission  – ACNC)
  • Cheque Cashing
  • Coins, Bullion and Collectible Stamps
  • Companion/Escort Services/Dating Services
  • Counterfit Branded Items, i.e. handbags, shoes, clothing, etc.
  • Credit Card Protection or Identity Theft Services
  • Crowd-Sourced Fundraising or Crowd Financing
  • Credit Repair
  • Cruise Lines
  • Currency Exchanges
  • Drug Paraphernalia
  • Escort or massage parlour sales
  • Extended Warranty Companies
  • Financial Services, including provision of financial advice, securities trading or tools/software to assist in securities trading
  • Firearms
  • Fortune Tellers/Psychics
  • Get Rich Quick Schemes
  • Health Membership Clubs (Extended Memberships)
  • Herbal Incenses
  • Import/Export (Non Mag Stripe or MO/TO)
  • Infomercial merchants or other inbound telemarketers engaged in upsell
  • Insurance
  • Internet Pharmacies
  • Internet Tobacco/Cigarettes (including Electronic Cigarettes)
  • Investment Programs/ Opportunities
  • Lotteries, Gambling, internet Gambling, Contests or Sweepstakes
  • Massage Parlours
  • Membership/subscriptions
  • Merchants Engaged in Door to Door Sales
  • Merchants Engaged in Outbound Telemarketing
  • Merchants offering rebates, special incentives, free gifts, prizes, sweepstakes or contests as an inducement to purchase a product/service
  • Miscellaneous Entertainment (not elsewhere classified)
  • Modelling Agencies
  • Modification Chips (mod chips)
  • Money Transfers
  • Mortgage Reduction Services
  • Motor Vehicles
  • Multi level marketing
  • Neutraceuticals/ Supplements purporting to provide health benefits as a substitute to Pharmaceuticals, or a Neutraceutical or Supplements that contain prescription medicine / pharmacy only medicine or synthetic drugs.
  • Online Gaming/Gambling
  • Pharmaceuticals / Drugs including – Prescription medicine / Pharmacy only medicine / Party pills / Synthetic drugs
  • Prepaid Cards/quasi cash
  • Pseudo-pharmaceuticals (anti-aging pills, sex nutrients, weight loss pills, etc.)
  • Pyramid or Multi-Level Marketing Distribution
  • Real Estate Seminars
  • Search Engine Optimisation (SEO)
  • Shippers/ Forwarding Brokers/ Dropshipping
  • Software
  • Sports Forecasting or Odds Making
  • Taxi/Limousines (singletons) Virtual terminal/Wireless considered High Risk
  • Telecom or Internet services
  • Third Party Order Fulfilment
  • Tickets and Coupons
  • Timeshare
  • Tobacco, Tobacco products or Tobacco substitutes (e.g Nicorette)
  • Topless Bars/Clubs
  • Travel Agents/Tour Operators/Travel Clubs
  • Unlicensed Audio/Video/Text/Software
  • Videotext, or downloadable Adult content / Nudity / Pornography / Bestiality / Child / Pornography in any form
  • Weapons and Ammunitions
  • Website Hosting
  • Website Design