Merchant Risk Review (EU Acquirer, Visa/Mastercard, PSD2): 0 of 3 Sites Reviewable, All Escalate
Interpretation: all three rows were screened against the supplied list (CBD and hemp, e-cigarettes, nutraceutical free trials, replica goods, crypto, adult content), under EU acquirer, Visa and Mastercard rules and PSD2, and checked against the declared "online apparel retailer, MCC 5651". No jurisdiction-specific legal requirements are asserted beyond that. Reviewed 3 of 3 supplied sites, none skipped. Access date for all fetches: 5 October 2026. Ratings are recommendations for the underwriter to confirm, not legal or compliance advice.
None of the three sites returned reviewable storefront content, so most cells are "unchecked". Ratings below rest on the few confirmed facts, and suspicions are labelled as such.
| Site | Business | Suggested MCC | Prohibited/high-risk items | Missing pages | Identity consistency | Risk rating | Action/conditions |
|---|---|---|---|---|---|---|---|
| shop-example.com | Unchecked. Live site shows only a "This store is unavailable" error (404 at fetch). Cannot confirm any apparel retail. | Unchecked (declared 5651 Family Clothing Stores cannot be verified) | Unchecked | Unchecked (no pages loadable) | Unverified. No entity stated; the only registry hit, Quincaillerie Example Shop Ltd, Rwanda, is a name-only match (registry record last retrieved 2015) and is not tied to the site | Medium | Escalate: merchant to confirm the store is live, supply legal entity, licence and product list before any decision |
| vape-store.co | Unchecked. Page returned an empty body to a Bright Data scrape; two browser fetches were rate-limited by our tool account (not a site response). Domain name suggests e-cigarettes (suspicion only). | Unchecked. If it sells vapes, it would not fit 5651 (inference) | Unchecked. Suspected: e-cigarettes, from the domain name alone | Unchecked | Unverified. 561 WPB Vape Store LLC (Florida) is a name-only match, not tied to the site | High | Escalate (lean Decline if e-cigarettes are confirmed, since they are on the supplied prohibited list); require live site and entity documents |
| luxe-supplements.net | Unchecked. Site did not connect (fetch tool reported 502 over HTTP and HTTPS). Name suggests supplements (suspicion only). | Unchecked | Unchecked. Suspected: nutraceutical free trials, from the name alone | Unchecked | Unverified. Luxe Supplements Ltd (UK, no. 15201998) is a name-only match, listed as dissolved on 6 January 2026, and not tied to the site | High | Escalate: merchant must show a live site and an active legal entity; no free-trial or recurring billing without clear disclosure |
Evidence notes (High rows)
vape-store.co
- Confirmed: one Bright Data scrape returned an empty body (raw output not saved), and two browser fetches failed on our account's concurrency limit, so they say nothing about the site; a Wayback availability check returned no archived snapshots.
- Confirmed: an OpenCorporates search for "vape-store" returned a Florida LLC as the visible match (result list was truncated, so other matches are not excluded), which the site does not state as its operator, so I record the identity as not found.
- Suspected: sells e-cigarettes. Basis is the domain name only; no product evidence was seen.
luxe-supplements.net
- Confirmed: the domain did not connect (502) and has no Wayback snapshots.
- Confirmed: the only same-name registry record is a UK company dissolved 6 January 2026. I cannot tie it to the site, so treat it as a lead.
- Suspected: nutraceutical free-trial billing. Basis is the name only.
Medium row: shop-example.com
- Confirmed: live site shows "This store is unavailable", an error page, so no catalog, checkout or policies could be read.
- Confirmed: a Wayback page header reports 26 captures from 18 Aug 2022 to 4 Apr 2025. I could not open the capture content (402), so I cannot say what was sold. The Wayback availability API returned no snapshot for the same domain, which conflicts with that header; I rely on the header only for existence of captures.
- Suspected (laundering signal, unproven): a store that existed for years and is now closed, with an apparel declaration that cannot be checked, warrants a content-history check.
Do next
- Ask each merchant for a working URL, legal entity name, registration number and registered address.
- Request product lists and business licence; for vape-store.co and luxe-supplements.net, a written statement on e-cigarette and free-trial activity.
- Re-run the review once the sites load, including Wayback comparison and WHOIS.
- Obtain a mismatch explanation for the 5651 declaration on all three.
Open items
- Not checked for any site: terms, refund, privacy, shipping and contact pages; pricing and checkout; Trustpilot, BBB and EU regulator warning lists; news search.
- Sanctions: a ComplyAdvantage business search was run for each site name, but its output was not reviewed in detail and no entity could be tied to any site, so I make no sanctions finding either way. Treat as unchecked.
- WHOIS/RDAP: public RDAP lookups for vape-store.co and luxe-supplements.net returned 404 (lookup failed, so registrant country and creation date are not found), so registrant country and creation date are not found. shop-example.com was not looked up.
- PSD2/SCA and scheme-rule fit cannot be assessed without a live checkout.
Coverage
Unreachable or empty: vape-store.co, luxe-supplements.net, shop-example.com (storefront error). Wayback capture content could not be opened (fetch tool returned 402).
Sources
- shop-example.com live fetch, 5 Oct 2026
- Wayback capture page for shop-example.com (header showed 26 captures)
- Wayback availability check, vape-store.co
- Wayback availability check, shop-example.com
- Wayback availability check, luxe-supplements.net
- OpenCorporates: Quincaillerie Example Shop Ltd (Rwanda)
- OpenCorporates: 561 WPB Vape Store LLC (Florida)
- OpenCorporates: Luxe Supplements Ltd (UK)