Restricted categories
Businesses under these categories will still be able to use Novalnet payment processing subject to set conditions and fees.
| MCC | Category |
| 4814 | Telecommunication Equipment Including Telephone Sales |
| 4816 | Computer Network/Information Services |
| 5122 | Drugs, Drug Proprietaries, Druggists’ Sundries |
| 5262 | Marketplaces |
| 5310 | Discount Stores |
| 5499 | Miscellaneous Food Stores Convenience Stores, Markets, Specialty Stores (This included supplements and nutraceuticals) |
| 5521 | Automobile and Truck Dealers |
| 5912 | Drug Stores, Pharmacies |
| 5921 | Package Stores–Beer, Wine and Liquor |
| 5962 | Direct marketing – travel services |
| 5967 | Direct Marketing – Inbound telemarketing |
| 5968 | Direct Marketing – Continuity/Subscription Merchant |
| 5969 | Direct Marketing – Other |
| 5972 | Stamp and coins |
| 5993 | Cigar Stores & Stands |
| 6211 | Securities–Brokers and Dealers |
| 7273 | Dating & Escort Services |
| 7277 | Debt, Marriage, Personal–Counseling Services |
| 7379 | Computer Maintenance, Repair and Services |
| 7800 | Government Owned Lottery |
| 7802 | Government-Licensed Horse/Dog Racing |
| 7841 | Video Entertainment Rental Stores |
| 7922 | Theatrical Producers and ticketing (primary ticketing) |
| 7995 | Gambling |
| 7994 | Video Game Arcades and Establishments |
Prohibited categories
Business under these categories will not be able to use Novalnet payment services. This list is non-exhaustive, and it is intended to provide basic guidelines regarding our acceptance policy of Novalnet. This list is updated from time to time and may also be extended at the sole discretion of Novalnet.
- Adoption agencies
- Adult related to Bestiality, Child pornography, Necrophilia, Incest, Rape, Violence, BDSM and other banned content
- Anti-Virus and registry cleaning software’s
- Any service providing peripheral support of illegal activities (i.e. drugs)
- Bail and Bond Payments
- Business/investment opportunities (“get rich quick schemes”, including internet search/ad optimization)
- Cannabidiol (CBD) products
- Chemical Materials
- Claims management companies
- Companies that sell protection or registration service against identity theft, Internet fraud, credit card theft or fraud, etc.
- Counterfeit goods/ replica goods
- Court Costs including Alimony and Child Support
- Credit counselling, repair, protection, and debt reduction and/or consolidation – includes credit card protection and identity theft protection
- Crowd funding
- Cryptocurrencies/bitcoin/FOREX
- Direct Marketing – outbound telemarketing
- Doctors – not elsewhere classified i.e. cosmetic/plastic surgery
- Drug Paraphernalia of Any Form
- Extended Warranty Companies
- File sharing/File storage/Cyber Locker/Cloud services and other P2P software’s
- Foreclosure Protection/Guarantees
- Forex and Binary Option Services
- Fortune telling, astrologers, tarot card readers, and mystical services
- Free trial/low cost trial offers
- Fulfillment house
- Government Grants
- Government-Licensed Casinos
- Hair restoration services/hair transplant/hair replacement surgery
- HD DVD and Blue Ray – Disk Decryption Devices
- Herbal Smoking Blends and Herbal Incense
- Illegal activities, products & services (including but not limited to Marijuana, Marijuana seeds, Hallucinating mushrooms, K2, Salvia Divinorum, Bath salts with psychoactive effects, HGH, HCG etc.)
- Lifetime Subscriptions (any product or service)
- Long-term investment and insurance companies
- Male/female enhancers
- Massage Parlors
- Medical Benefits Packages (including discount medical cards)
- Modeling/talent agencies
- Mortgage Payments or other debt related estate products
- Multilevel marketing schemes that do not involve a “real” (of independent value) product or service (like Pyramid or Ponzi Schemes) and the primary objective is solicitation of new distributors
- Non-governmental immigration/Visa services.
- Open-end services (no limit in duration)
- Payday loans
- PC support call centers, Registry cleaners and Bug fixes
- Pre-order merchants
- Pyramid sales/multi-level marketing
- Quasi Cash–Merchant (Cryptocurrencies/Virtual currencies)
- Religious organizations providing worship services, religious activities, training or study
- Replica – merchants selling fake products designed to look like the designer name products
- Sales-incentive-based programs that rely on “breakage” to earn profit. “Breakage” is defined as services paid for by the cardholder but never used. Prepaid and gift card program models are not considered breakage and are not, per se, unacceptable
- Substances Designed to Mimic Illegal Drugs (including herbal smoking blends & herbal incense)
- Third party billing companies
- Timeshares and timeshare advertising
- Unlicensed/ Unregulated forex and crypto merchants
- Voice-over-internet protocol (VoIP)
- Warranty programs
- Weapons, firearms, munitions of any sort
- Websites promoted hatred, racism or religious persecution
- Win a car, boat or a real estate’ competition