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 for how these blocks are applied.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 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 — there is also a dynamic list that blocks categories for misuse that may ultimately be unblocked. Transactions from these merchants are automatically declined. Merchants marked (Partial) are blocked only for specific sub-merchants or payment descriptors — typically a payment facilitator or a brand with many billing descriptors — rather than the entire merchant.| 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
Beyond the default lists above, Whop runs proactive monitoring that blocks merchants dynamically. These blocks are not permanent — they may be removed once the risk clears — so this list changes continuously and is not enumerated here. A merchant is added to the dynamic blocklist in three ways:- Proactive monitoring — merchants that show suspicious activity are automatically blocked, typically on a rolling 24-hour window.
- Dispute and fraud rates — merchants with high dispute or refund rates, or those showing signs of compromise or abuse by bad actors, are blocked.
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 a merchant was blocked in error, contact Whop support.
Next steps
Card declines & risk rules
Understand why a card transaction was declined and the risk rules applied during authorization
Whop Cards
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