• Adult Sexually Oriented Materials:
    • Adult Book Stores
    • Adult Telephone Conversations
    • Companion Services
    • Dating Services
    • Massage Parlors
    • Topless Bars
  • Air Purification Sytems
  • Airlines
  • Attorneys/Law Firms Engaged Principally in the Practice of Bankruptcy Law
  • Business/Investment Opportunity
  • Businesss with Door to Door Sales
  • Buying/Shopping Club
  • Calling Cards
  • Cellular Phone Airtime
  • Check Cashing Services
  • Collection Agencies/Firms Involved in Recovering Past Due Receivables
  • Consulting Firms or Companies Operating for "Get Rich Schemes"
  • Credit Repair/Restoration
  • Cruise Lines
  • Currency Exchanges
  • Direct Outbound Telemarketing
  • Drug Paraphernalia
  • Escort Services
  • Future Services > 1 Year
  • Hair Restoration Products
  • Gambling - Racing, Car, Dog, Horse
  • Import/Export Businesses
  • Investment Opportunities
  • Internet Gambling
  • Internet Sales of Firearms, Alcohol, or Tabacco
  • Lotteries
  • MLM Business Opportunities/Multi-Level Marketing Distributions
  • Mortgage Reduction Services
  • Online Auctions
  • Pornographinc Materials
  • Prepaid Telephone Cards
  • Products with Unreasonable Guarantees
  • Pseudo-Pharmaceuticals (Anti-Aging Pills, Sex Nutrients, etc.)
  • Pyramids/Ponzi Schemes
  • Real Estate Seminars
  • Telemarketing Companies with the Following Method of Operation:
    • Free Gift/Prize or Sweepstakes if Product or Services is Purchased
    • Chain Letters
    • Sales of any Product or Services as an Agent for a 3rd Party or As an Order Taking Party
    • Sale of any Product or Service that is Progbited or Restricted
    • Solictiation with Outbound Teleohone Calls or Faxes
  • Telephone Airtime
  • Time Shares
  • Travel Agencies/Tour Operators/Travel Clubs (Other than service fees under $50)
  • Used Car Sales
  • Water Purifiers

Total Merchant Services (TMS) is a registered ISO/MSP for HSBC Bank USA, National Association, Buffalo, NY