Restricted Category Businesses

The following business types may not be eligible for a Total Merchant Services account, but may be eligible to be considered for a merchant account through us with FNMS

Airports
Annual service billings
Auto dealers (used cars)
Bankruptcy Attorneys
Buying and shopping club
Carpeting (custom)
Collection agencies and debt collection services
Credit restoration and/or repair services
Dating services
Internet sale of Electronics, VCRs, DVDs, TVs, stereos, camera etc.
Hair loss products
Investment opportunity
Memberships (billings beyond quarterly)
Multilevel marketing signup fees and business opportunity
Prepaid Calling Cards
Timeshare rentals
Water purifiers

There may be other business types not appearing on this list. Contact TMS if you have any questions about your business type.

Prohibited Category Businesses

The following types of businesses are not eligible for a credit card merchant account:

Adult entertainment and materials
Check cashing services
Cruise lines
Direct outbound telemarketing
Companies with a future service liability that is greater than one year
Membership businesses (longer than one year)
Products and services with unreasonable or unlimited guarantees
Gaming (casino, sports wagering)
Travel agencies (selling travel/tour packages)

There may be other business types not appearing on this list. Contact TMS if you have any questions about your business type.