We tell you upfront what we can and can't do.
Three buckets. Read straight. No tricks.
Most processors make you guess. Most agents have wasted hours on deals that were never going to board. We'd rather just tell you.
Green Light: Bring 'em On!
These verticals go through with standard underwriting. Card-present and low-risk CNP. Straightforward to board, straightforward to support.
- Retail / card-present
- Restaurants & hospitality
- Professional services
- B2B / wholesale
- Healthcare (non-telehealth)
- Auto repair / service
- General ecommerce (established)
- SaaS / software
- Education (non-seminar)
- Construction / contractors
- Non-profit organizations
- Salons / spas / beauty
- Dental / optometry / veterinary
- Home services (plumbing, HVAC, electrical)
- Fitness / gyms
- Childcare / daycare
- Accounting / tax prep
- Legal services
- Pet services / grooming / boarding
- Dry cleaning / laundry
Yellow Light: Workable. Bring the docs.
These verticals are restricted, which means we board them with Enhanced Due Diligence. We can absolutely place these deals – they just need the right docs upfront. Bring those, save yourself a round.
- CBD / Hemp – COAs, lab reports, FDA disclaimers
- Nutraceuticals – ingredient lists, marketing review
- Credit repair – CROA compliance, contracts
- Debt collection – state licenses, debit-only
- Travel agencies – financials, fulfillment plan
- Telemedicine – medical licenses, LegitScript
- Warranties / VSC – insurance contracts, A.M. Best rating
- Subscriptions / recurring – clear opt-in, easy cancellation
- Business coaching – Enhanced Compliance, earnings claims disclaimer
- MLM – comp plan, distributor agreement
- Real estate training – Enhanced Compliance, earnings claims disclaimer
- CNP firearms – FFL required
- Pharma / e-Pharmacy – LegitScript / NABP certification
- SEO / digital marketing – service docs, contracts
- Tech support (CNP) – processing history, clean stats
- Travel clubs – 2+ years experience, financials, reputable fulfillment
Not sure if your merchant fits one of these? Drop them into Chip. He'll tell you in real time.
Red Light: Not at Nexio
These verticals don't board with us. We're telling you upfront so you can place them somewhere else without burning a week first.
- Adult content / escort / online dating
- Payday lending
- Counterfeit goods
- Marijuana / Delta-9 THC > 0.3%
- Crypto exchanges / ICOs
- Negative option billing / free trials
- Money service businesses
- Payment facilitators / e-wallets
- Debt buyers (charged-off debt)
- Synthetically derived CBD (Delta-8 / Delta-10)
- Kratom with 7OH / Kratom as primary product
- CNP tobacco / vape
- Gambling / betting / lottery
- Sweepstakes
- Timeshare exit / deed transfer
Think your merchant deserves an exception?
Some restricted verticals have an escalation path. A few that look prohibited at first glance turn out to be workable. Before you skip the deal – drop it into Chip, or call your Strategic Partner Manager. Five minutes either way saves days of back-and-forth.
