> ## Documentation Index
> Fetch the complete documentation index at: https://docs.whop.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Blocked categories & merchants
> Merchant categories (MCCs) and merchants that Whop Cards block by default
Whop Cards block certain merchant category codes (MCCs) and specific merchants by default. Transactions matching these blocks are automatically declined during authorization. See [Card declines & risk rules](/whop-finance/card-declines-and-risk-rules) for how the system applies these blocks.
## Blocked merchant categories
Whop Cards enforce restrictions on certain merchant categories by default. Transactions from these MCCs (Merchant Category Codes) are automatically declined:
| MCC | Category |
| ----------------------------------------------- | ------------------------------------------------------- |
| 2892 | Explosives |
| 3484 | Small Arms and Weapons |
| 4829 | Wire Transfers and Money Orders |
| 5122 | Drug Stores and Proprietary Drugs |
| 5681 | Furriers and Fur Shops |
| 5932 | Antique Shops |
| 5933 | Pawn Shops |
| 5937 | Antique Reproductions |
| 5960 | Direct Marketing – Insurance |
| 5962 | Direct Marketing – Travel Related Arrangement Services |
| 5964 | Direct Marketing – Catalog Merchants |
| 5965 | Direct Marketing – Catalog and Retail |
| 5966 | Direct Marketing – Outbound Telemarketing |
| 5967 | Direct Marketing – Inbound Telemarketing |
| 5969 | Direct Marketing – Other |
| 5972 | Stamp and Coin Stores |
| 5993 | Cigar Stores and Stands |
| 6010 | Financial Institutions – Manual Cash Disbursements |
| 6011 | Financial Institutions – Automated Cash Disbursements |
| 6012 | Financial Institutions – Merchandise and Services |
| 6050 | Quasi Cash – Member Financial Institutions |
| 6051 | Quasi Cash |
| 6211 | Securities Brokers and Dealers |
| 6529 | Remote Stored Value Load – Member Financial Institution |
| 6530 | Remote Stored Value Load – Merchant |
| 6531 | Payment Service Provider – Money Transfer |
| 6532 | Payment Transactions – Member Financial Institution |
| 6533 | Payment Transactions – Merchant |
| 6534 | Money Transfer – Member Financial Institution |
| 6535 | Value Purchase – Member Financial Institution |
| 6536 | MoneySend – Intracountry |
| 6537 | MoneySend – Intercountry |
| 6538 | MoneySend Funding Transaction |
| 6540 | Point-of-Interaction Funding Transactions |
| 6555 | Mastercard Initiated Rebate/Rewards |
| 6611 | Overpayments |
| 6760 | Savings Bonds |
| 7272 | Escort Services |
| 7273 | Dating or Escort Services |
| 7280 | Hospital Patient Personal Funds Withdrawals |
| 7297 | Massage Parlors |
| 7322 | Debt Collection Agencies |
| 7800 | Government-Owned Lotteries |
| 7801 | Government-Licensed Online Casinos |
| 7802 | Government-Licensed Horse/Dog Racing |
| 7948 | Race Organizations |
| 7995 | Gambling, Betting, Lotteries |
| 8631 | Labor Unions |
| 8651 | Political Organizations |
| 8661 | Religious Organizations |
| 9223 | Bail and Bond Payments |
| 9401 | I-Purchasing Pilot |
| 9405 | Intra-Government Purchases |
| 9411 | Government Loan Payments |
| 9700 | International Automated Referral Service (Visa only) |
| 9701 | Visa Credential Server (Visa only) |
| 9702 | GCAS Emergency Services (Visa only) |
| 9721 | International Affairs (Embassies) |
| 9754 | Gambling – Horse Racing, Dog Racing, State Lotteries |
| 9950 | Intra-Company Purchases |
## Blocked merchants
Whop Cards enforce restrictions on certain merchants by default. A dynamic list also blocks categories for misuse and may unblock them after the risk clears. The system automatically declines transactions from these merchants.
For merchants marked (Partial), Whop blocks only specific sub-merchants or payment descriptors. These merchants are typically payment facilitators or brands with many billing descriptors.
| Merchant name |
| ----------------------------- |
| A M Sweets |
| Adventure Academy |
| AnyFoam.co.uk |
| Appstoria (Partial) |
| ATG - Atlas Tech Group |
| Aussie Chains Direct |
| AZ Mobilita e Trasporti |
| Barney Brown |
| Beem App |
| Belfast Media Group |
| BHY (Partial) |
| Blackpool.gov.uk |
| Blizzard (Partial) |
| Blockchain.com Europe |
| Blue Tomato |
| Boohoo |
| Bumble / Badoo (Partial) |
| BytePlus |
| Caliente |
| CBN Donation |
| CCBill.com (Partial) |
| Cengage Learning |
| Ceremonias Aduana |
| CEX.IO |
| Chegg |
| Classic Reproduction |
| Coindeck |
| Commercial Pool Repair |
| CY-Tiny Gemz |
| Dara Holsters |
| DeepL.com |
| Deriv |
| Dunelm |
| Electronics Sales |
| Emirati Coffee |
| End Clothing |
| eToro |
| ExitLag (Partial) |
| Experian |
| Ezypay (Partial) |
| Flirtonic Appsmarket |
| Fortnite |
| FOX Nation (Partial) |
| Gabbanelli Accordions |
| Global-e (Partial) |
| Google Games |
| Gripped |
| Huawei Services |
| ICP Credit Ltd |
| Intelex.co.uk |
| iPortal.host |
| Jersey Post |
| Lemontree London |
| Life EMS Ambulance |
| LifSpo Ireland Ltd |
| LIQPAY (Partial) |
| Liquor Legends |
| Magic of Egypt |
| Melt Online Sales |
| MoonPay |
| Movavi |
| Mymonthlyscore.com |
| Neils Electrical Services |
| Neteller |
| NOCL Consumer-Repair |
| Olark.com |
| OpenPay |
| Oswald Donner & Co |
| Paula's Choice |
| PayFast |
| PDF Filler |
| PDH Enterprises |
| Prime Burger Pattaya |
| Psiphon |
| PUBG Mobile |
| QuickSol.org |
| Rainbow Wellbeing |
| RampSwaps |
| Redtooth.co.uk |
| Resume Builder |
| Rockit Academy |
| Roobet |
| SAMS Ltd |
| SD Varazdin |
| Sendit / Ramair |
| Service NSW |
| Shahid |
| Sheffield Hallam University |
| Simplex (Partial) |
| SimpliSafe |
| Skrill |
| Slepe Communications |
| SP Botee Athleisure |
| SportClub |
| Spreadshirt.net |
| SRIA Finanzas |
| SSENSE.com |
| Tulotero Mexico |
| UB EPay |
| United-Domains.de |
| University College Birmingham |
| University of Tasmania |
| Vodafone |
| Voi Technology |
| w8tech (Partial) |
| Walmart Super 3D |
| Walmart+ (Partial) |
| WePay |
| Wise |
| Wish.com |
| WorthPoint |
| WP-Radiology |
| Xena Live |
| Yandex |
| Zalando |
| ZaloPay |
## Dynamically blocked merchants
Whop also proactively monitors merchants and blocks risky ones beyond the preceding default lists. Whop may remove these temporary blocks after the risk clears. The list changes continuously, so this page doesn't enumerate it.
Whop adds a merchant to the dynamic blocklist in three ways:
* **Proactive monitoring** — Whop automatically blocks merchants that show suspicious activity, typically on a rolling 24-hour window.
* **Dispute and fraud rates** — Whop blocks merchants with high dispute or refund rates, signs of compromise, or abuse by bad actors.
When one of these blocks declines a transaction, it's reported with a `blocked merchant` (or `blocked entity`) reason.
Because the dynamic list updates continuously, treat it as a moving target rather than a fixed set. If you believe Whop blocked a merchant in error, contact Whop support.
## Next steps
Understand why a card transaction was declined and which risk rules applied during authorization
Spend your balance instantly and earn cashback on select merchants