Talo is required to review and verify the information and site content of anyone opening a Talo Payments account. We work with regulators, payment processors, and financial partners to create a transparent environment and prevent illegal or restricted activity from being conducted through Talo Payments.
Because of these requirements, some products and services cannot be offered.
It is your responsibility to ensure that the products and services you list are not included in the Prohibited Products and Services list. If prohibited items appear on your site, Talo may hide or remove them, suspend or close your Talo Payments account, hold or block funds, and/or refund customers when necessary.
Notes:
The information below applies to the United States. For other regions, check the prohibited product lists for our provider partners, PayArc and Pathward Bank.
Merchants using Google Pay must follow Google Pay’s prohibited/restricted merchant lists.
Merchants using Afterpay with Talo Payments must follow Afterpay’s terms.
Merchants using Affirm with Talo Payments must follow Affirm’s payment terms.
Merchants using PayPal with Talo Payments must follow PayPal’s acceptable use policy.
Prohibited products or services
Talo Payments may not be used for any of the following categories.
Adult
Adult goods
Pornographic content: books, magazines, audio, videos, sites, streaming content, or other formats of sexual material
Adult entertainment: strip clubs, topless bars, gentleman’s clubs, escort services, sexually oriented massage parlors, etc.
Sexually oriented dating services
Financial businesses
Binary options
Buy now, pay later / installment payment methods
Credit repair or credit protection
Identity theft protection
Debt repayment or collection agencies
E-wallet or e-money that can be monetized or converted
Money service businesses, including but not limited to:
Traveler checks
Money orders
Foreign exchange
Check cashing
Virtual currencies
Cash advances from non-financial institutions
Penalty or fine collections
Forwarding brokers
Independent or unlicensed financial advisors
Note: Educational financial content is allowed as long as it does not include financial advice and includes a clear disclaimer.
Insurance sales/services (life and non-life)
Money transfer and remittance businesses
Payday loans, unsecured loans, or loans from non–FDIC insured banks
Payroll, invoice, and business services
Provider/seller of prepaid access/stored value (including gift cards over $2,000)
Shell banks
Healthcare
Prescription-only or regulated medical devices
Dental supplies
Medical benefit packages
Pharmaceutical and prescription medicine
Supplements containing prescription ingredients, CBD, or THC
Nutraceuticals that are unsafe or make unsupported claims
Weight-loss or sexual performance nutraceuticals
Intellectual Property (IP)
Counterfeit products or replicas
Essay/paper mills used to submit work dishonestly
Products that bypass copyright protections or enable unauthorized use of copyrighted material
Marketing practices
“Get rich quick” schemes
Ransom/extortion-style business models
Practices designed to avoid chargeback monitoring
Data pass
Deceptive marketing: misleading claims, false endorsements, unclear cancellations or refunds, hidden opt-ins, etc.
Fake references or deceptive services
Inbound telemarketing tied to mail campaigns
Products or services promoting hate, violence, discrimination, terrorism, harassment, or abuse
Pyramid schemes, chain letters, financial scams
Not for profit
Unregistered charities
Important: By using Talo Payments for donations, you confirm that you manage all funds directly and do not forward them to third parties.
Crowdfunding
(Not supported)
Other products and services
Airlines
Endangered or protected wildlife products
Bidding fee or penny auctions
Certain social media businesses (click farms, fake followers/likes, etc.)
Cloud storage, VPN, file sharing, high-risk cyber lockers
Cruise lines
Direct marketing: inbound/outbound telemarketing, travel arrangement services, insurance services, catalog sales, door-to-door sales
Government services (embassies, consulates, etc.)
Hazardous materials (B2B and B2C), including:
Hydrofluoric acid
Cyanide products
Ozone-depleting substances
Nitric acid
Research chemicals, peptides
Bacterial cultures (e.g., E. coli)
Toxic, flammable, radioactive materials
Human body parts or bodily fluids (except hair/teeth)
Live-streaming platforms with in-app currency or donation features
Multi-level marketing
Pawn shops
Telemarketing resellers
Timeshares and timeshare maintenance
Veterinary practices
Regulated (non-financial) products and services
Alcohol as the main product (bars, alcohol stores, wineries, breweries)
Cannabis dispensaries and related businesses
Drugs, paraphernalia, or tools for producing drugs
Important: Talo Payments does not support CBD/THC sales.
Illegal products or services or support services for illegal activity
Gambling (legal or illegal) including casinos, poker, bingo, fantasy sports, racing, lotteries, and any U.S.-based gambling
Products used to create or grow controlled substances
Tobacco, e-cigarettes, and e-liquids
Fireworks, flammable materials, radioactive materials
Weapons, ammunition, explosives, firearm parts
Securities and trading
Cryptocurrency exchange
Cryptocurrency mining equipment
High-risk securities:
CFDs
Spread betting
ICOs
Forex options
Crypto options
Security brokers/investments of any kind
Trading or purchasing:
Securities
Currencies
Derivatives
Commodities
Shares
Options
Precious metals
Other financial instruments
Third-party payment processing
Aggregators such as:
Marketplaces
Platforms
Staged digital wallet operators
Payment facilitators or IPSPs
Payment services including:
Peer-to-peer payments
Bill pay
Commissary accounts
Technology
Decryption/descrambler devices
Products that block or interfere with cellular or personal communications