Understanding the Backbone of Online Payments
Every online transaction is part of a broader financial chain involving card networks, acquiring banks, payment processors, and regulatory oversight. Each of these entities brings a set of rules and expectations to the table. Payment networks have global policies that govern who can use their services. Banks enforce national laws and manage risk exposure. Payment processors serve as intermediaries and must ensure all these rules are met.
This results in a layered system where restrictions at one level can affect everyone else in the chain. A single problematic category, flagged by one participant, can cascade into blanket restrictions across the entire infrastructure. What appears as a decision from a single provider is often the culmination of compliance obligations from multiple financial partners.
Categories Commonly Affected by Restrictions
To manage complexity and mitigate risk, financial institutions frequently place restrictions on entire categories rather than evaluating each business individually. This method may seem blunt, but it is considered efficient for compliance purposes. Below are some of the most commonly restricted categories and the logic behind those limitations.
Illicit Products and Services
Businesses involved in the distribution or sale of illegal items are universally restricted. This includes counterfeit goods, pirated media, unapproved pharmaceuticals, and substances prohibited by national or international law. In some regions, items like cannabis may be legal under local statutes but remain illegal at a federal level. These discrepancies create conflicts that often result in conservative blanket bans.
A common tactic among questionable operations is exploiting legal gray areas by introducing products that are technically unregulated but clearly intended to skirt legal oversight. From a risk management perspective, supporting these businesses poses significant exposure to litigation and regulatory enforcement, making them nonviable for most financial services.
Heavily Regulated Sectors
Certain industries face comprehensive regulatory requirements due to the nature of their goods or services. Examples include alcohol distribution, online pharmacies, and financial marketplaces. These sectors require strict verification and ongoing compliance, which is difficult to ensure through automated online systems alone.
For instance, selling alcohol often involves navigating a patchwork of state-by-state licensing requirements, age verification procedures, and shipping laws. An online pharmacy must demonstrate valid prescription checks, secure data handling for medical information, and regulatory approval to dispense medication. Without clear and enforceable standards, these businesses may face initial rejection unless they can prove their compliance infrastructure is robust and auditable.
Controversial or High-Dispute Business Models
Some industries have higher than average chargeback rates or customer complaints. These include multi-level marketing schemes, so-called business coaching programs, and quick-profit digital products. Such operations can undermine the consumer trust that credit networks rely on.
In many of these cases, the problem is not the legality of the product or service, but rather how it is marketed and delivered. Misleading claims, poor customer support, and unclear refund policies increase the likelihood of disputes, which in turn drives higher operational costs and reputational risk for everyone involved in the transaction chain.
High-Exposure Payment Models
Businesses that accept payments far in advance of delivering goods or services pose a distinct financial risk. These include airlines, event ticket vendors, and crowdfunding campaigns. If the business becomes insolvent before fulfilling orders, customers often file chargebacks. Since the original business no longer exists to return the funds, the financial loss falls on the payment processor.
This model is especially risky in industries with volatile cash flows or where product delivery depends on uncertain variables, like manufacturing or regulatory approval. Without financial safeguards or insurance mechanisms, supporting such businesses can result in significant liabilities.
Fraud-Attracting Industries
Certain types of products and services are more commonly used in fraud or money laundering schemes. These include consumer electronics, dropshipping operations, and gift card sales. Because these transactions can be easily manipulated to obscure the origin or destination of funds, they trigger additional scrutiny.
Businesses operating in these categories are not automatically disqualified. However, they typically require enhanced due diligence, including identity verification, proof of inventory sourcing, and robust fraud prevention measures. Many entrepreneurs are unaware of these requirements and are surprised when they encounter roadblocks during onboarding.
Brand-Sensitive Industries
Some sectors may be fully legal but are considered high-risk from a reputational standpoint. These include adult content, sexual wellness products, and politically controversial causes. Financial institutions often prefer to avoid associations that could lead to public backlash or affect their broader customer relationships.
This kind of restriction is highly subjective and varies widely between financial networks and geographies. Unfortunately, many legitimate and well-run businesses in these sectors struggle to gain access to financial infrastructure purely because of social stigma or outdated perceptions. While some progress has been made, particularly in regions with more liberal market attitudes, challenges persist.
A System Shaped by Multiple Stakeholders
The challenge for online businesses lies in the fact that restrictions are rarely the sole decision of one platform or company. Each participant in the financial ecosystem—banks, card networks, compliance teams, regulators—has its own priorities and risk tolerance. A decision to support or reject a business is often made collectively, even if the communication comes from a single source.
Moreover, the rules themselves are dynamic. A business that was once allowed might be later restricted if policy changes at the network or banking level. Similarly, new technologies or regulatory reforms can open doors for previously banned categories. This constant flux creates uncertainty for entrepreneurs trying to build long-term strategies.
How Financial Risk Is Evaluated
In practice, evaluating financial risk involves analyzing several factors beyond just the type of product or service offered. Transaction volume, refund rates, dispute ratios, average ticket size, and payment timing all contribute to a business’s risk profile.
For example, a small retailer with moderate volume and low dispute rates may be less risky than a high-volume seller with a high rate of cancellations. Businesses that issue pre-orders with long delivery windows might also face increased scrutiny, especially if their product is still in early development.
In addition to performance metrics, background checks, historical data, and third-party verifications are used to assess risk. Compliance teams may request documentation such as business licenses, regulatory certifications, financial statements, or proof of product sourcing to complete their review.
Legal Obligations Beyond Risk Management
Beyond managing financial exposure, institutions are bound by anti-money laundering regulations, know-your-customer laws, and counter-terrorist financing protocols. These legal obligations require them to monitor, document, and sometimes report specific types of business activities.
Even a small infraction—such as failing to verify a supplier or neglecting to record a customer transaction—can result in serious penalties. To stay compliant, payment processors must ensure every entity in their network follows best practices. This creates added complexity and sometimes leads to conservative decision-making, especially in ambiguous cases.
Balancing Access With Security
The fundamental challenge for financial infrastructure providers is balancing broad accessibility with systemic security. Too many restrictions stifle innovation and lock out new entrepreneurs. Too few controls open the door to abuse, fraud, and systemic financial threats.
To address this, many payment platforms have invested in adaptive risk models that allow for case-by-case assessments. These systems combine machine learning with manual review to analyze real-time data and offer more nuanced decisions. While not perfect, they represent a step forward in reducing overreliance on blanket restrictions.
However, adaptive risk models are only as good as the data they receive. Businesses that want to be evaluated fairly must be willing to provide transparent, detailed information about their operations. Without that, they risk being lumped into broad categories that do not reflect their true nature.
Role of Public Perception and Advocacy
Consumer attitudes also influence which businesses are deemed acceptable. Social campaigns, news coverage, and advocacy organizations can impact how financial partners view certain industries. Over time, this has led to shifting perspectives on previously restricted sectors like alternative medicine, sex education, or cannabis.
Companies and founders who wish to operate in sensitive sectors must often go beyond compliance—they must educate stakeholders, provide transparency, and push for policy evolution. Though challenging, this advocacy can create new opportunities and open doors for future businesses in the same category.
Creating a Path Forward for Restricted Businesses
While some limitations are unavoidable, businesses in restricted categories still have options. Understanding why a restriction exists is the first step in overcoming it. With the right documentation, risk management strategies, and legal support, many businesses have successfully navigated these hurdles.
Partnerships with experienced advisors, attorneys, and compliance professionals can significantly improve a business’s chances of gaining approval. Investing in systems for fraud prevention, dispute resolution, and customer verification not only builds trust with financial partners but also supports long-term sustainability.
Understanding the Role of Financial Partners
When discussing why certain businesses face restrictions, it’s essential to understand the foundational relationship between online payment platforms and their financial partners. Payment networks, including major credit card providers and acquiring banks, establish the backbone of digital transactions. These institutions enforce strict guidelines to mitigate risk, ensure consumer safety, and maintain legal compliance across international markets.
Online payment systems are deeply integrated with these financial entities, making them subject to shared responsibility. Any business that aims to accept card payments must align with these standards. These policies are not randomly enforced; they result from decades of managing systemic risks in global commerce.
The Nature of Categorical Restrictions
To efficiently manage risk, many financial institutions enforce restrictions by category rather than evaluating businesses individually. While this broad approach may seem unfair to unique or innovative models, it is an operational necessity. These restrictions serve as a first layer of defense to filter out high-risk sectors that consistently pose challenges.
Rather than individually assessing tens of thousands of applications, these entities apply predefined filters. This can unfortunately exclude businesses that might otherwise be legitimate. However, the rationale often lies in historical data: industries with disproportionate rates of chargebacks, fraud, or compliance violations are flagged early.
Commonly Prohibited Categories
Certain categories have become synonymous with elevated risk or regulatory complexity. These include sectors like adult entertainment, gambling, cannabis-related products, firearms, and pseudo-pharmaceuticals. These industries often involve complex legal considerations that vary by jurisdiction.
For instance, cannabis sales may be legal in one region and illegal in another. Financial institutions, wary of potential violations, err on the side of caution. Similar logic applies to digital goods associated with file sharing or streaming, which could breach intellectual property laws. In these cases, the ban is not necessarily on the morality or purpose of the business. Rather, it stems from uncertainty and legal inconsistency that makes reliable support difficult.
Impact of Compliance Standards on Small Businesses
New or small businesses face an uphill battle when entering restricted categories. Even if compliant, these businesses lack a track record to demonstrate reliability. This absence of historical data puts them at a disadvantage.
Moreover, proving compliance can be costly and time-consuming. Businesses must often provide detailed documentation, such as licensing, customer verification procedures, and product sourcing information. Without significant resources, startups in regulated spaces struggle to meet these demands.
Despite these hurdles, transparency and a proactive approach can open doors. Demonstrating a willingness to implement safeguards and compliance procedures often makes a substantial difference.
Risk Management in Financial Services
Every transaction involves a degree of risk. Fraud, chargebacks, money laundering, and insolvency are just a few of the challenges that payment processors manage daily. Businesses that pose a heightened likelihood of triggering these risks are subject to closer scrutiny.
Consider the example of pre-order businesses. These models collect payments upfront for products not yet manufactured or shipped. If the company fails before delivery, refunds become necessary, and the financial service provider may be liable. This creates a ripple effect that damages trust in the broader payment ecosystem.
To mitigate this, financial service providers may implement reserve policies, delayed payouts, or account reviews for businesses deemed risky. Though these measures may seem restrictive, they ensure long-term stability and prevent widespread fallout.
The Influence of Brand and Public Perception
Another layer of complexity comes from brand risk. Financial institutions and card networks value their public image. Associating with certain businesses, even if legal, may be perceived as harmful to their reputation. Industries that deal with adult products, controversial political content, or socially sensitive themes often fall into this category.
In some instances, businesses can provide documentation to support their legitimacy, but still be rejected due to reputational concerns. While frustrating, this highlights a gap between legality and acceptability that many businesses must navigate.
The subjectivity of brand risk makes it particularly difficult to address. Institutions rarely outline specific criteria for rejection, which can leave businesses guessing. Advocacy and education may help shift perceptions over time, but these changes are incremental.
Building a Case for Exception
Despite broad restrictions, businesses can sometimes make a successful case for exception. Doing so requires strategic preparation, including a detailed presentation of operations, compliance measures, product details, and customer satisfaction metrics.
Supporting materials like audited financial statements, fulfillment timelines, and evidence of regulatory approval can strengthen a case. In some scenarios, businesses may benefit from third-party certifications or endorsements.
This approach is especially effective for businesses in gray areas—those that border high-risk categories but differentiate themselves through quality, transparency, and customer support. Providing a clear narrative that outlines these distinctions can lead to a more favorable review.
Technology as a Compliance Tool
Modern compliance challenges call for modern solutions. Businesses today have access to technology that can simplify regulatory obligations. For example, identity verification tools help online pharmacies confirm prescriptions. Age verification plugins enable alcohol sellers to ensure compliance with legal age requirements.
Integrating these tools into the customer journey shows a commitment to operating responsibly. Furthermore, automated monitoring systems can track transactions and detect anomalies that suggest fraud or misuse. These safeguards are not only helpful for approval but also for sustaining long-term viability. By leveraging technology, businesses can meet and often exceed regulatory expectations. This proactive stance reassures financial stakeholders and builds operational resilience.
Learning from Successful Exceptions
Several businesses have navigated complex regulatory landscapes successfully. Their stories provide a roadmap for others in similar positions. These case studies highlight the value of perseverance, preparation, and transparency.
Consider platforms that aggregate sellers in a marketplace model. Initially viewed as risky, these platforms overcame hesitations by providing detailed control mechanisms for tracking funds, preventing fraud, and resolving disputes. This demonstrated that the perceived risk could be managed through structural design.
Similarly, some travel-related businesses, typically flagged due to long delivery timelines, gained approval after presenting financial modeling and fulfillment history. By addressing concerns upfront, they changed the narrative from risk to opportunity.
Addressing Legacy Restrictions
Many restrictions still in place today originate from older regulatory frameworks. These frameworks were designed before modern tools made verification and fraud detection more reliable. As a result, they don’t reflect the capabilities of newer businesses operating responsibly within high-risk categories.
Overcoming these legacy challenges requires a collaborative effort. Businesses, financial platforms, and compliance advocates must work together to update risk models and advocate for new evaluation standards. Demonstrating the effectiveness of current technologies and evolving customer expectations can help challenge outdated assumptions. In particular, businesses that rely on community education, telemedicine, or niche content often fall victim to legacy stigma. These models deserve reevaluation in light of modern solutions.
Importance of Clear Communication
When interacting with financial service providers, clarity and documentation are critical. Businesses should approach these conversations prepared with business plans, compliance strategies, and relevant certifications. Vague explanations or partial information can lead to delays or rejections.
Instead, framing the business in terms of customer benefits, legal frameworks, and operational safeguards creates a strong narrative. Emphasizing how the business prevents fraud, handles disputes, and ensures regulatory alignment reassures decision-makers.
Businesses should also expect and welcome questions. These inquiries are an opportunity to further clarify their model and demonstrate legitimacy. A transparent, confident response signals that the business has nothing to hide.
Collaborating with Legal and Compliance Experts
For complex or highly regulated categories, professional guidance can be invaluable. Lawyers, compliance consultants, and regulatory experts can assist in navigating approval processes. These professionals understand the language, expectations, and documentation required by financial entities.
Having expert representation may also increase credibility. Institutions often respond more favorably when a business demonstrates that it has invested in compliance infrastructure. While this may add to the cost of entry, it can lead to faster approvals and fewer future obstacles.
When choosing experts, it’s important to seek those familiar with both the business model and the digital payment landscape. A well-rounded approach offers the best chance of success.
Preparing for Ongoing Monitoring
Approval is not the final step. Most financial platforms implement ongoing monitoring systems to track changes in business operations, customer feedback, and transaction patterns. Businesses must be prepared to maintain compliance over time.
This includes keeping licenses up to date, responding promptly to disputes, and continually evaluating risk controls. A lapse in compliance can result in account freezes or closures, even after initial approval.
Regular internal audits and customer satisfaction checks help ensure the business remains in good standing. Transparent communication with financial partners throughout this process strengthens trust and long-term collaboration.
Embracing Innovation While Managing Risk
The future of online business lies in innovation. New ideas often challenge existing categories and definitions, creating friction with established financial frameworks. But progress depends on taking calculated risks, backed by sound strategy and clear communication.
Entrepreneurs must recognize that being at the forefront comes with hurdles. However, by anticipating these challenges, engaging with them openly, and building robust operational foundations, many businesses can find a path forward. With the right mindset and resources, even businesses in traditionally restricted categories can thrive in the evolving digital economy.
Navigating High-Risk and Restricted Business Categories
Understanding the Concept of Risk in Financial Services
In the financial ecosystem, risk assessment plays a central role in determining the kinds of businesses that can be onboarded. Risk, in this context, does not simply refer to the likelihood of financial failure. It encompasses potential legal, reputational, and operational issues. Businesses operating in specific verticals often find themselves categorized as high-risk due to past industry behavior, customer disputes, or uncertainty in compliance. Even if a particular enterprise is legitimate and well-managed, its categorization might be shaped by broader industry patterns.
Financial Risk and Payment Delays
One primary concern involves the delay between payment collection and service or product delivery. Industries such as travel, event ticketing, and crowdfunding are common examples. These business models typically involve upfront payments for services or goods that are delivered at a future date. Should the business fail to fulfill its promise—due to insolvency, operational issues, or supply chain problems—customers initiate chargebacks. These chargebacks not only create financial losses but also erode trust in the financial system.
The challenge is further complicated when customers prepay large amounts, increasing the overall exposure. Platforms working in these areas need to demonstrate robust fulfillment systems, transparent timelines, and financial resilience. An effective mitigation strategy includes staged billing, escrow systems, and clear refund policies. These measures help balance customer assurance and reduce the risk for the platform facilitating payments.
Fraud-Prone Models and Compliance Challenges
Certain industries are disproportionately targeted by fraudulent actors. Categories such as electronics resale, dropshipping, and gift card sales fall into this bracket. These industries are particularly susceptible due to the high resale value of the products, the ease of obfuscating origins, and the complexity of tracking supply chains.
This raises significant concerns around money laundering and identity fraud. As a result, platforms that deal with such businesses enforce rigorous Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures. However, for businesses within these categories, it means navigating frequent audits, transaction monitoring, and detailed documentation.
Establishing credibility in these categories requires businesses to invest in fraud detection technology, engage in transparent supplier partnerships, and demonstrate an ongoing commitment to compliance. Enhanced due diligence is not optional—it becomes a critical foundation for ongoing support.
Reputational Risk of Certain Industries
Not all restrictions stem from legality or operational risk. Sometimes, the concern is reputational. Industries such as adult content, tobacco, gambling, and certain types of alternative health fall into this domain. The issue here isn’t necessarily about compliance or fraud. It centers on the perceived association with controversial or stigmatized industries.
While some institutions may be open to these categories, others enforce a blanket ban. For businesses in these sectors, the key challenge becomes finding financial partners willing to take a nuanced approach. Demonstrating ethical business conduct, obtaining relevant licenses, and engaging with research-based endorsements can all help.
Additionally, transparency in customer acquisition, content moderation, and dispute resolution can go a long way in convincing financial partners of the legitimacy and integrity of the business.
Licensing, Legal Jurisdictions, and Cross-Border Complications
Operating across different legal jurisdictions introduces additional complexity. What’s permissible in one region may be prohibited in another. For instance, products like cannabis or online gambling may be legal at the state level in some countries, yet remain federally restricted. This legal dichotomy creates uncertainty for platforms operating in multiple markets.
Cross-border sales further compound this issue. Ensuring that product marketing, payment flows, and customer support are compliant with local laws requires a sophisticated legal infrastructure. Businesses need to conduct comprehensive legal audits, invest in region-specific compliance consultants, and maintain agile operational strategies.
Furthermore, issues like tax obligations, import/export restrictions, and consumer protection laws must all be factored into risk assessments. For companies operating internationally, developing internal expertise on regulatory matters is not just beneficial—it’s essential.
The Grey Area: Pseudo-Legal and Loophole-Based Businesses
There are also business models that operate in legal grey areas—taking advantage of loopholes or unregulated products. Examples include certain types of health supplements, digital content that skirts copyright laws, or products designed to mimic controlled substances without being classified as such.
While technically legal, these models carry a high level of uncertainty. Changes in legislation can suddenly render the business illegal. Furthermore, customers might feel misled, resulting in high dispute rates. Financial partners are often cautious of these models due to their inherent volatility.
To navigate this terrain, businesses must be proactive. Obtaining product certifications, offering accurate marketing claims, and monitoring legislative developments can help mitigate risk. Businesses must be ready to pivot quickly in response to new regulations or changing market conditions.
Role of Transparency and Customer Trust
Trust is the backbone of any successful business. For industries flagged as high-risk, building and maintaining customer trust becomes even more critical. High dispute rates, poor customer service, and vague refund policies are red flags—not just for customers, but also for financial facilitators.
Clear communication, responsive support, and a strong fulfillment record all help in creating a transparent relationship with consumers. Businesses should also maintain open lines of communication with their payment facilitators, sharing updates, challenges, and improvements. This level of transparency demonstrates long-term viability and builds mutual confidence.
Trust also extends to data privacy and security. High-risk industries are often targeted by cyberattacks, making investment in secure infrastructure non-negotiable. Ensuring end-to-end encryption, PCI compliance, and adherence to global data protection laws helps reduce vulnerability and inspires trust.
Customized Solutions for Niche Markets
Not all high-risk businesses are the same. Recognizing this, financial platforms are increasingly offering tailored solutions. For instance, crowdfunding platforms may use milestone-based fund releases. Online alcohol sellers might integrate digital age verification tools. These tailored tools help mitigate specific risks while enabling broader market access.
Businesses can work proactively by adopting these customized solutions. Doing so not only increases the chance of being approved but also ensures smoother operations and fewer disruptions. Companies should seek out compliance tools, fraud detection systems, and operational frameworks that align with their risk profile.
Collaboration with legal experts, regulatory consultants, and payment compliance professionals can also pave the way for innovation. Businesses that embrace the challenge of operating in restricted environments often emerge more robust and well-governed.
How Monitoring and Review Systems Help
One way platforms manage high-risk categories is through continuous monitoring. This includes automated transaction analysis, real-time fraud alerts, and post-transaction reviews. These systems allow for early detection of anomalies and enable proactive intervention.
For businesses, this means a commitment to internal review processes and performance tracking. Metrics such as dispute rate, customer satisfaction, and refund ratio are monitored closely. Keeping these metrics within acceptable thresholds is key to maintaining support.
Platforms may also require regular compliance re-verification. Businesses might be asked to re-submit licenses, undergo audits, or adjust their processes to align with updated policies. Cooperation during these processes is crucial.
Adapting to Evolving Industry Standards
Industries don’t remain static. What was once considered high-risk might evolve into a legitimate, regulated space. Consider how the cannabis industry, health supplements, or even online education platforms have transformed over the years. As market demand grows and regulatory frameworks mature, the risk profile shifts.
Forward-looking businesses anticipate these changes. They engage with industry associations, participate in pilot programs, and advocate for fair regulatory frameworks. Active participation in shaping industry standards can help improve the perception and viability of a business category.
Engagement with public policy efforts, research institutions, and ethical bodies also reinforces legitimacy. Businesses that contribute positively to their ecosystem are better positioned to gain trust and long-term support.
Case-by-Case Approaches and Advocacy
A categorical ban often fails to account for nuance. Increasingly, payment facilitators and financial institutions are willing to take case-by-case approaches. Businesses that can present a solid case for their model—supported by data, compliance documentation, and customer feedback—stand a better chance of gaining approval.
Even within restricted categories, legitimate and ethical businesses are emerging. Advocacy is crucial. Businesses should not hesitate to initiate dialogue, request reconsideration, or offer pilot implementations. Persistence, coupled with professionalism, often leads to breakthroughs.
This also means that denied businesses should treat feedback not as a rejection, but as guidance. Addressing concerns, adapting practices, and reapplying can often turn an initial “no” into a long-term partnership. Patience and continuous improvement are vital components of success.
Conclusion
Navigating the world of online payments and financial services is inherently complex, especially for businesses that fall into industries deemed high-risk, heavily regulated, or controversial. While the goal of most modern payment infrastructures is to create an open and inclusive environment for entrepreneurs, the reality is that legal, regulatory, and institutional constraints often create substantial barriers for specific types of ventures.
Understanding why certain businesses are restricted is crucial not only for compliance but also for long-term sustainability. Categories like illegal or pseudo-legal enterprises, high-dispute sectors, pre-sale or speculative business models, and industries with a reputation for fraud present unique challenges. In many cases, these challenges stem not from the intentions of the business itself, but from upstream financial rules, regional legal discrepancies, and risk management frameworks that prioritize caution over innovation.
Despite these obstacles, it is possible for many businesses to find a path forward. Companies that take proactive steps—such as establishing clear, legal business models, maintaining high customer satisfaction, ensuring transparency in transactions, and adhering to relevant regulatory frameworks—stand a much better chance of gaining access to the financial tools they need. Working collaboratively with payment facilitators and compliance specialists can also open doors, particularly for businesses in grey areas that are often misunderstood or miscategorized.
The evolution of digital commerce is reshaping traditional business categories and giving rise to entirely new ones. This calls for a more flexible, thoughtful approach to risk assessment and business validation. Instead of blanket bans or rigid categories, nuanced and evidence-based evaluations are essential for fostering innovation while still protecting consumers and financial networks.
Ultimately, entrepreneurs should not be discouraged if their business idea falls into a restricted or scrutinized category. With the right knowledge, approach, and support, many of these ventures can still thrive. The key lies in understanding the landscape, engaging transparently, and building a business that balances ambition with accountability.
As the global economy continues to digitize, the ability to support diverse and forward-thinking businesses will become even more important. Progress is already being made, and with continued advocacy and collaboration, the future holds promise for more inclusive, fair, and effective support for all legitimate business models—regardless of the complexity of their industry.
