Restricted Industries

Restricted industries for Business Banking products

Prohibited Businesses

Poof follows bank regulations, which makes it prohibited for following activities. Poof provides an API on top of your existing bank account. If your service is underwritten by a US financial institution, it is likely that you are in compliance with Poof's policies.

Illegal products and services

  • Illegal products and services
  • Products and services that infringe intellectual property rights
  • Products and services that are unfair, predatory, or deceptive
  • Adult content and services
  • Firearms, explosives and dangerous materials
  • Marijuana
  • Misuse of Poof or evasion of monitoring programs

Full List of unqualified businesses

  • Advanced payments greater than 1 year (any product or service)
    • Merchant accepts payment for a product or service that will be delivered, partially or fully, one year or more from the initial payment
  • Age or legally restricted products/services (not addressed elsewhere), CNP
    • Merchants that sell products or services not mentioned elsewhere in this document that are either illegal or illegal depending on the customer's age
  • Alcohol sales, Internet/MOTO
    • Merchant that sell alcohol in a card not present environment
  • Adult Explicit Products
    • Websites with main orientation towards explicit adult products, including Prostitution, Gentleman’s clubs, topless bars and strip clubs, Illegal activity (e.g., child pornography, bestiality), • Video (web-based explicit oriented videos)
  • Animals & Wildlife
  • Any form of illegal Gambling
  • Any illegal products/services
  • Bankruptcy lawyers accepting payments for debt
  • Bearer Share entities
  • Bidding fee auctions
  • Business/investment opportunities operating as get rich quick schemes
  • Cannabidiol/CBD related products, services & businesses.
  • Cash gifting
  • Chain letters
  • Collection agencies or firms involved in recovering/collecting past due receivables
  • Companion/escort adult services
  • Counterfeit goods/replicas
  • Credit card protection
  • Credit repair/restoration
  • Drug paraphernalia of any form
  • Fake references and other services/products that foster deception
  • Firearms, Weapons, and Explosives, Card Not Present including but not limited to:
    Firearms, Ammunition, Firearms Parts, other weapons such as crossbows,
    machetes, etc, explosives
  • Fireworks, CNP (e.g., firecrackers, aerial bombs, bottle rockets)
  • Foreclosure protection/guarantees
  • Fortune tellers
  • Funds/loss recovery
  • Gambling advice/sports forecasting or odds making
  • Get rich quick schemes
  • Hazardous Materials, Card Not Present, including but not limited to: Hydrofluoric
    Acid, Products containing cyanide, prohibited ozone – depleting substances (ODS) –
    Prohibited by the EPA, Nitric Acid, Peptides, research Chemicals, Bacteria cultures or
    other products containing E-coli or Escherichia coli.
  • Human body parts or bodily fluids (excluding hair, teeth)
  • Immigration services
  • Intellectual property right violators
  • Jammers or devices that are designed to block, jam or interfere with cellular and
    personal communication devices/signals
  • Lifetime subscriptions (any product or service)
  • Lottery Clubs
  • Male / Female sexual enhancements
  • Marijuana, marijuana products, marijuana services, and marijuana related
  • Massage Parlors (Unlicensed)
  • Merchants engaged in activity prohibited by the Card Brands
  • Merchants engaged in any form of deceptive marketing practices
  • Merchants in any Card Brand excessive chargeback or fraud program or merchants
    with chargeback or fraud rates over 1%
  • Merchants or principals listed on MATCH
  • Merchants that have ransom-like or extortion-like basis for their business model
  • Merchants that use tactics to evade any Card Brand excessive chargeback or fraud
    monitoring programs
  • Mortgage/credit/debt reduction/consulting services
  • Mortgage/loan modification
  • Multi-level marketing/pyramid/affiliate network marketing
  • Negative renewal option following a free or low cost purchase
  • Nutraceuticals/Pseudo-pharmaceuticals
  • Payday loans and unsecured loan/lines originating
  • Social media “click farms” (e.g., the sale of clicks/likes/reviews/endorsements on
    social media sites)
  • Substances designed to mimic illegal drugs and/or other psychoactive products
  • Timeshare resellers
  • Tobacco products (including e-cigarettes)