Program boundaries
Where each category stands with our acquiring partners.
Effective
2026-09-03
Boundaries reflect our acquiring partners’ published programs. They change; the change log at the foot of this page records when.
Reviewed
Three paths
What each label means.
Our acquiring partner writes the category as stated policy. We prepare and present your file; the bank underwrites it and carries the account. One dashboard, one relationship, one set of terms in writing before you sign.
Most businesses in the category are written by the standard program. Some models within it are reviewed individually, and a few go to a specialist acquirer. You hear which applies on the first call.
The category needs an acquirer registered or specialized for it. We present the file there; the acquirer underwrites and carries the account. You still get one dashboard and one relationship.
By vertical
Twenty categories, and their path.
Regulated products
- CBD and hemp
- Standard program
- Written by our acquiring partner against lab documentation and claims language, inside a program that names the category.
- What we ask for
- Vape, e-cigarettes and tobacco
- Case by case
- Standard program for compliant sellers; a specialist acquirer where the product mix requires it.
- What we ask for
- Firearms and ammunition
- Standard program
- Written as stated policy, not by exception. FFL and restricted-state logic configured at the gateway.
- What we ask for
Health & wellness
- Nutraceuticals and supplements
- Standard program
- Straight-sale and continuity structures both written, with funnel and claims review before the file is presented.
- What we ask for
- Telemedicine and online pharmacy
- Case by case
- Standard program for telehealth; a specialist acquirer where the prescribing model requires it.
- What we ask for
- Peptides and research compounds
- Standard program
- Written against a research-compound policy, with catalog and marketing review first.
- What we ask for
Financial services
- Debt collection
- Specialist acquirer
- A specialist acquirer that writes collections as stated policy. One dashboard, one relationship.
- What we ask for
- Credit repair
- Standard program
- Compliant arrears and performance billing models written; ACH offered for monthly fees.
- What we ask for
- Forex and digital assets
- Specialist acquirer
- Regulated MSB activity goes to a specialist acquirer. Card funding, ACH and wire on one reporting surface.
- What we ask for
- Bail bonds
- Standard program
- Phone, link and virtual-terminal acceptance with signed cardholder authorization built in.
- What we ask for
Recurring & direct response
- Subscription and continuity
- Standard program
- Continuity, trials and negative option written on their disclosure and cancel paths, not banned by structure.
- What we ask for
- Direct response marketing
- Standard program
- Multi-MID structures with load balancing, per-offer descriptors, and funnel review before submission.
- What we ask for
- Multi-level marketing
- Standard program
- Distributor and retail flows on separate MIDs with distinct descriptors; autoship with account updater.
- What we ask for
- Coaching and digital products
- Standard program
- High-ticket approval with limits set to your real average, installment billing, and evidence capture from onboarding.
- What we ask for
- E-commerce
- Standard program
- Volume caps set against real forecasts, multiple MIDs for headroom, fraud rules configured to your orders.
- What we ask for
Travel & high ticket
- Travel and ticketing
- Standard program
- Written around future-delivery reserve structures, with deposit-and-balance billing on the gateway.
- What we ask for
- High-ticket retail
- Standard program
- Per-transaction limits set to your actual high end, linked deposit-and-balance authorizations, delivery evidence capture.
- What we ask for
- Moving and relocation
- Standard program
- Card and ACH for deposits, balances and claims, with signed-estimate capture that carries into representment.
- What we ask for
Adult & dating
- Online dating
- Standard program
- Subscription billing with clear renewal notice and self-service cancellation; discreet descriptors.
- What we ask for
- Adult
- Specialist acquirer
- A specialist acquirer registered under the relevant brand programs; registration handled as part of the account.
- What we ask for
Change log
What has changed, and when.
- 2026-09-03
- Program boundaries published. Twenty verticals listed with their path: written by our standard acquiring program, reviewed case by case, or handled by a specialist acquirer.
If your category is not on the list, it is not a no. It means we have not written it up. Ask about your vertical
Find out which path is yours.
Your industry and monthly volume are enough for us to say whether the standard program writes the category, a specialist acquirer does, or nobody does yet — before you send a document.