Restricted, High-Risk, and Prohibited Merchants

Analyzing Restricted, High-Risk, and Prohibited Businesses

RESTRICTED MERCHANTS

The following business types allow the ISO to approve/decline the accounts with Enhanced Due Diligence underwriting as outlined in the LubyNet ISO Program Guidelines.

Future delivery or periodic billing from 180-365 days for all merchants is restricted unless otherwise specified. Under 180 days is not restricted.
• “CP” = Card Present / “CNP” = Card Not Present.
• ISO Restricted pricing applies; however, LubyNet reserves the right to adjust pricing from the standard ISO pricing depending on the specific merchant risk characteristics, the current economic environment, and industry type.

Suggested per item pricing for all verticals: $0.10 per authorization

HIGH - RISK MERCHANTS

The following business types require authorization from LubyNet before submitting merchants from these categories. Specific policy requirements will need to be discussed and agreed upon as part of authorizing submissions/processing. Such requirements may include:

Fraud and CB thresholds for merchants that are more specific and more closely monitored than normal program thresholds.
• Program Policy developed between ISO and Payzli specific to each vertical.
• Enhanced Due Diligence as outlined in the Payzli ISO Guidelines is required for all Gated/High Risk Merchants.


• ISO High-Risk pricing applies; however, Payzli reserves the right to adjust pricing from the standard ISO pricing depending on the specific merchant risk
characteristics, then current economic environment, and industry type.

PROHIBITED MERCHANTS

The following business types must not be approved, boarded, or submitted to the bank.
• Future delivery or periodic billing greater than 12 months for all merchants is prohibited.
• “CP” = Card Present / “CNP” = Card Not Present.

LET’S TALK AND GET STARTED

DISCUSS YOUR PROJECT WITH OUR SPECIALISTS

Lubynet is ready to provide the right solution according to your needs. We are interested in a long term partnership. When you hire Lubynet, you get a reliable partner for all your software development needs.