Unsupported industries for a Jim account

Jim accounts cannot be used to manage customer funds, regardless of the type of business. This includes holding, exchanging, transferring, or managing any money that still belongs to your clients (e.g., account funding). All payments received must represent sales for goods or services provided, not client-held funds.

Furthermore, Jim accounts cannot be opened or maintained by businesses involved in the following sectors:

• Physical transportation of currency and monetary instruments by employees (e.g., bulk cash on behalf of customers)
• Money transfer, wire transfer
• International VPN providers, circumvention devices, and jammers
• Cyberlocker Merchants (file-hosting services, cloud-based storage services, and online file-storage)
• Pharmaceutical sales
• Decryption and descrambler products including mod chips
• Pharmacies (Internet/MOTO)
• Weapons and ammunitions, and firearms parts (Internet/MOTO)
• Sexually Oriented or Pornographic Products (including both child exploitation and adult pornography)
• Merchants engaged in deceptive marketing practices
• Scam money-making / work-from-home / coaching or mentoring opportunities
• Personal-enhancement products/supplements
• Start-up recurring dietary-supplement/nutraceutical models
• Arms Trade and Defense (Miscellaneous specialty retail, including ammunition and firearms)
• Non-Financial Institutions - Foreign currency, money orders (not wire transfer) and travelers' checks.
• Escort Services
• Sales for payment that resulted from another commercial entity providing goods or services to the cardholder including those businesses that may otherwise qualify themselves as a Payment Service or Payment Facilitator (any merchant)
• High-interest rate non-bank consumer lending, including payday lending and title loans
• Customers engaged in the defense sector or the manufacture or production of arms, military equipment, or weapons of mass destruction
• Phone Unlocking Services and Unlocked Cell Phones
• Online casinos, online gambling, and online sports betting
• Government-owned lotteries — U.S. region only
• Government-licensed horse/dog racing — U.S. region only
• U.S.-domiciled physical casinos, casino chips, off-track betting, and race-track wagers
• Games of skill
• Airlines and Air Carriers
• Bankruptcy Lawyers
• Essay mills/paper mills (ghostwriting services);
• Merchants engaged in unlicensed aggregation and factoring
• Pawn Shops
• Selling or Resales of Social Media "click farms" (e.g., the sale of clicks/likes/reviews/endorsements) and other activity
• Shipping or Forwarding Brokers
• Telemarketing Companies – outbound
• Credit Counseling, Credit Repair or Restoration Services; Debt Elimination, Debt Reduction, Debt Consolidation, Debt Settlement, Debt Relief, or Debt Consulting Services; Programs on how to apply for low interest credit cards
• Discount Medical or Dental plans including Discount insurance
• Fantasy sports
• Tobacco Sales (Internet/MOTO) – Tobacco Products, tobacco-less cigarette or e-cigarette
• Kratom/Alkaloid/Gas Station Drug manufacturer
• Medical Devices, Precursor Chemical Manufacturing
• Spyware/Malware
• Customers exited for criminal activity concerns and/or suspicion of terrorist financing
• Merchants selling goods or services that are prohibited by the card Networks
• Merchants or owners/principals on MATCH (Merchants added due to Identity Theft may be presented to the Payments Committee for Approval)
• Any offshore or non-U.S. operating or domiciled merchant
• Goods or services that represent a violation of any law, statute or regulation, or any merchant engaged in any illegal activity
• Card Association or Reputational damaging activities (potential or otherwise)
• Age or Legally Restricted Products or Services being sold to everyone
• Coerced transactions
• Countries, governments, entities, and individuals subject to sanctions or included in any applicable internal lists
• Direct control of internal concentration or suspense accounts by customers
• Entities subject to Section 311 of the USA PATRIOT Act
• New bearer share issuance or issued bearer shares that have not been immobilized or are not with an approved custodian
• Nested payment processing
• Non-Consensual Mutilation of a person or body part
• Payable-through accounts through domestic or foreign bank customers (i.e., correspondent accounts used directly by third parties)
• HD DVD and Blu-ray Disc Decryption Devices
• High interest rate non-bank consumer lending, including payday lending and title loans, and their owners and principals
• Human/Animal body parts, remains, cells, tissues, etc.
• Pseudo-Pharmaceuticals, food products, or other digestibles marketed via unsubstantiated and/or unlawful health or medical claims
• Marijuana related business (MRB)
• Counterfeit/Replica Goods
• Illegal Products or those being Marketed Illegally
• Shell banks
• Business or products not licensed or prohibited by law
• Pyramid/Ponzi Schemes
• Embassies / Consulates / Missions
• Crypto activity, Cryptocurrency Wallets and Exchanges, Funding of Stored Value Digital Wallets, Binance
• Money Services Businesses, Payment Service or Payment Facilitator, Import/Export Businesses
• Bitcoin or other cryptocurrency ATMs or kiosks
• DeFi Protocols & Stablecoin Issuers
• Massage Parlors
• Prescription Drugs and Devices (Internet/MOTO)
• Script-dispensing terminals accepting credit cards (any merchant)
• UseNet
• Drugs, Drug Proprietaries, and Druggist Sundries and Drug paraphernalia
• Sports forecasting
• Steamship and Cruise Lines
• Hair Extensions
• Bidding Fee Auctions
• Credit Card Protection ID theft
• Prostitution
• Secondary market financing
• Healthcare Ministries
• Mug shot and arrest record removal services
• Crowd Funding Platforms
• Non-Financial Institutions – Stored Value Card Purchase/Load
• Penny auctions

Additionally, any product or service prohibited by card networks or law,or those requiring a general license under End-Use Controls, particularly in sensitive sectors like the petroleum industry, are ineligible to open a Jim account.