SWIPE ACADEMY - CONFIDENTIAL AGENT RESOURCE
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RESTRICTED & HIGH-RISK MCC CODE LIST
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If you encounter these industries, DO NOT submit them to a standard low-risk processor (like First Data standard). They require specialized high-risk underwriting.

PROHIBITED ALMOST EVERYWHERE (Tier 1 Risk):
- Unregulated Crypto Exchanges
- Online Gambling / Sports Betting
- Adult Entertainment / VOD
- Unregulated Pharmaceuticals
- Illegal Paraphernalia

HIGH RISK (Requires heavy reserves / specialty bank):
- CBD / Hemp Products
- Firearms & Ammunition
- Nutraceuticals & Continuity Free Trials
- Credit Repair Services
- Tech Support / Remote PC Access
- Travel Agencies & Airlines (Massive future-delivery risk)

AGENT PLAY: If pitching high-risk, expect to charge 3.00% to 5.00% plus heavy reserves. Do not apologize for the rate.