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INTUIT PAYMENTS
ACCEPTABLE USE POLICY

By applying for, accessing or using the ACH and other money movement services provided by Intuit Payments Inc. (“IPI”), which include payroll processing, payroll tax payments, and the direct deposit service for employee, contractor and vendor payments, as incorporated as features of products and services offered by Intuit Inc. and/or its subsidiaries and affiliates (collectively “Services”), you agree to be bound by this Acceptable Use Policy (“AUP”) and any additional terms, conditions, rules or policies that are provided to you in connection with the Services

 

 

By applying for, accessing or using the card, ACH and other payment processing Services provided under the  Intuit Merchant Agreement, you also agree to be bound by the AUP as expanded by Intuit Payment Solutions, LLC (“IPS”) as indicated herein, and any additional terms, conditions, rules or policies that are provided to you in connection with those Services.

 

 

This AUP is subject to change at any time without notice, and the changes will be effective when posted. Your continued use of the Services indicates your acceptance and agreement to the AUP changes

 

 

1. Purpose. The purpose of this AUP is to (i) comply with relevant laws, sponsor bank requirements, and card or payment association (e.g. VISA, MasterCard, American Express, NACHA) rules and policies, (ii) specify to you what merchants, activities/business types and transactions are considered prohibited use of the Services, (iii) to protect the integrity of our payment network, and (iv) to specify the consequences that may flow from violating these AUP requirements.

 

 

2. Prohibited Users. In addition to any eligibility requirements in the terms of the services, if any of the following apply to you, you are ineligible (or may become ineligible) to use our Services:

 

  • Your use of Services may cause us not to be compliant with relevant laws, sponsor bank requirements, and card or payment association (e.g. VISA, MasterCard, American Express, NACHA) rules and policies;
  • You transact in currency other than U.S. currency (for clarity, currency options that IPS, in its discretion, might make available to payees do not constitute transacting in another currency, and settlements to you for transactions featuring any such payee currency options will be in U.S. currency); or
  • You are operating in a jurisdiction or identified as a sponsor of international terrorism, listed on any relevant sanctions list including but not limited to the U.S. Department of State’s Terrorist Exclusion List, Office of Foreign Assets Control’s Specially Designated Nationals and Blocked Persons List, or any list produced by the U.S. Department of Treasury.

 

 

3. Prohibited Activities and Business Types. If you fall into one of the following categories and/or accept payment for the following prohibited activities, you are ineligible (or may become ineligible) to use our Services. For clarity, the following lists are not exhaustive and we may, at our sole discretion, modify them without notice:

a. IPI – Inclusive of Payroll and Employee and Contractor Direct Deposit

 

Prohibited Business TypeDescription
Adult ServicesLingerie or passion parties; adult DVD rentals/sales; adult novelties; massage parlors (without licensed massage therapists); escort services; adult digital content; mail order bride services; dating/match-making services
Drug ParaphernaliaEquipment or material that is for making, using, or concealing illegal drug
Financial or other Regulated Products, Services, and SecuritiesBanks; credit unions; shell banks; saving and loans associations; including services such as the sale of equities, trusts, mutual funds offered through a financial institution, stock brokerage, manual cash disbursements, credit services, bearer shares; quasi-cash and payday loans.
Foreign EntitiesForeign Embassies; Foreign Missionaries
GamblingCasino chips; bookmakers; federal, state, and local lotteries; bingo; internet gambling; off-track betting; racetracks; casinos
Guns and Firearms ManufacturingManufacturing, building or assembling guns or firearms
Illegal activitiesPayrolls that appear to relate to any form of illegal activity, including but not limited to, money laundering, terrorist financing, human trafficking or political corruption
Intellectual PropertyYou may not violate the IP rights of brands or other rights owners. The sale of counterfeit items and unauthorized replicas or copies of items are prohibited. This applies to items both actual and virtual in nature. Examples include (but are not limited to) counterfeit watches, handbags or accessories, and unauthorized copies of software programs, video games, music, movies, television programs, and photographs. Upon Intuit’s request, you must provide records about the authenticity of your products.
Marijuana/CBDMarijuana as well as CBD in any form for sale for any purpose, including medicinal or homeopathic.
Multi-Level Marketing / PyramidsOnline payment randomizers; pyramid and Ponzi schemes; wealth creation programs; paid-to-click schemes and other similar programs that are not traditional and legitimate advertising businesses
Virtual CurrencyTransfers involving virtual currency, virtual currency exchange services; cryptocurrency mining, buying or selling of digital, virtual or cryptocurrency

 

b. IPS – Inclusive of Merchant Payment Processing

 

Prohibited Business TypeDescription
Adult ServicesLingerie or passion parties; adult DVD rentals/sales; adult novelties; massage parlors (without licensed massage therapists); escort services; adult digital content; mail order bride services; dating/match-making services
Aggregated Merchant Accounts / Money Service BusinessPayment facilitators; e-wallets; crowdfunding products; money transmission services
Auctions / ConsignmentOnline penny auctions; bid-to-bid; auction services; online consignment shops
Bankruptcy ServicesBankruptcy attorneys; collection attorneys; factoring companies; liquidation services
Check Cashing / GuaranteeCheck cashing services; check guarantee services
Credit Repair / Counseling Credit / Identity ProtectionCredit repair services; credit counseling or credit repair services; credit protection or identity theft protection
Debt CollectionCollection agencies and any business engaged in the collection of debt; including those associated with medical billing; factoring companies
Diplomatic MissionPermanent or semi-permanent diplomatic missions; high commissions; consulates; embassy; and related services including government-issued ID, passport, or diplomas services
Drug ParaphernaliaEquipment or material that is for making, using, or concealing illegal drugs
Financial or other Regulated Products, Services, and SecuritiesBanks; credit unions; shell banks; saving and loans associations; including services such as the sale of equities, trusts, mutual funds offered through a financial institution, stock brokerage, manual cash disbursements, credit services, bearer shares; quasi-cash and payday loans
Hazardous Materials and Pyrotechnic DevicesAutomated fuel dispensers; toxic, flammable, and radioactive materials and substances; gunpowder; explosives
Intellectual PropertyYou may not violate the IP rights of brands or other rights owners. The sale of counterfeit items and unauthorized replicas or copies of items are prohibited. This applies to items both actual and virtual in nature. Examples include (but are not limited to) counterfeit watches, handbags or accessories, and unauthorized copies of software programs, video games, music, movies, television programs, and photographs. Upon Intuit’s request, you must provide records about the authenticity of your products.
GamblingCasino chips; bookmakers; federal, state, and local lotteries; bingo; internet gambling; off-track betting; racetracks; casinos
Marijuana/CBDMarijuana as well as CBD in any form for sale for any purpose, including medicinal or homeopathic
Multi-Level Marketing / PyramidsOnline payment randomizers; pyramid and Ponzi schemes; wealth creation programs; paid-to-click schemes and other similar programs that are not traditional and legitimate advertising businesses
Occult Services / GoodsMail order, phone, or online palm readers; psychic services; astrology services
Outbound TelemarketersTelephone Up-Sellers, including, but are not limited to, discount buying clubs, discount travel clubs, credit card protection/registration and protection services, cosmetics, health-care products and vitamins
Pawn ShopStores that offer loans in exchange for personal property as equivalent
Regulated
Businesses
Business that are not conducted face-to-face and are regulated by state and federal authorities, including: mail order, phone, or online animal/pet sales; tobacco sales (cigars; flavored, loose, or synthetic tobacco; electronic cigarettes; nicotine; smoking paraphernalia); firearms and weapons sales; MOTO pharmacies and pharmacy referral sites; alcohol sales; fireworks and related goods; and merchants who offer free trial periods
TravelTravel packages and offers; travel services, including third-party booking sites for flights and cruises; travel clubs or certificates; timeshares and resellers of timeshares; airlines
Telephone / TelecommunicationsLocal / long distance services or software; pre-paid phone cards; pre-paid phone service
Virtual CurrencyTransfers involving virtual currency; virtual currency exchange services; cryptocurrency mining, buying or selling of digital, virtual or cryptocurrency
Other
Business Types
  1. Miracle cures, unsubstantiated remedies, or other items marketed as quick health fixes; designer supplements; nutraceuticals; muscle mass proteins; weight gain or loss supplements; HGH or HCG sales.
  2. Sale of K2, spice, or similar psychoactive herbal and chemical products, including but not limited to JWH-0113 and HU-210.
  3. Sale of bath salts, incense, or potpourri for the purpose of ingestion and as synthetic stimulants with psychoactive effects; sale of Salvia Divinorum, Amyl, Butyl, and Isobutyl Nitrite; sale of psilocybin mushrooms or derivatives including spores.
  4. Sale of email or direct marketing lists enabling unsolicited contacts, such as from telemarketing merchants (inbound or outbound).
  5. Sale of manuals, how-to guides, or equipment to disable, “hack”, or modify access controls on software, servers, phones, or websites, including but not limited to mod-chips, drive chips, or access cards.
  6. Sale of devices that are designed to block, jam, or otherwise interfere with cellular and personal communication services, police radar, global positioning systems, and wireless networking services.
  7. Items that encourage or promote hate, violence, or racial intolerance
  8. High risk cyberlockers – a cyberlocker is an Internet hosting service specifically designed to host user files which can contain prohibited content.
  9. Large digital merchants – digital goods merchants (goods delivered via electronic format) with a minimum of 25 million transactions annually.
  10. Business that provide gift card and stored value solutions including but not limited to gift card production, fulfillment, distribution and transaction processing services

4. Prohibited Transactions. In addition to the prohibited payment processing or other money movement transactions or practices listed in the terms of the Services You further agree not to use the Services in connection with any of the following prohibited transactions or practices:

 

  • Processing a transaction for the purpose of adding funds to an account (i.e. account funding transactions or factoring);
  • Allowing international customers to pay in their home currency unless IPS, in its discretion, enables payees to select their home currency. Settlements to you for transactions featuring any such payee currency options will be in U.S. currency);
  • Processing transactions for another business other than the one whose information has been underwritten
  • Processing a transaction for the purchase of scrip or substitute money; and
  • Processing a transaction using the Apple Pay option as a non-profit or charitable user or for the purpose of accepting donations of any kind.

 

5. Compliance Monitoring; Violations of this Policy. We will monitor your transactions and activities for potential violations of this AUP. Monitoring includes, but is not limited to, reviewing your accounts for retrievals, returns, or Chargebacks, as well as using third-party information or sources. We encourage you to contact us if you believe you may be in violation of this AUP. We reserve the right, per the terms of the Services to take any corrective action (with or without notice to you) as we deem necessary to mitigate our risk or ensure compliance with this AUP, including but not limited to: (i) blocking a transaction; (ii) holding funds associated with a prohibited transaction; (iii) suspending, restricting, or terminating your use of the Services or (iv) subjecting you to applicable fines, assessment, expenses and fees.

 

 

Last updated May 1, 2020