Gotcha. Never actually read the terms of service. So it’s not Tobacco sales they’re against, it’s just making sales through Freinds & Family & not reporting income to the IRS in general that they’re against?Masking transactions through f&f is only sustainable for a time. Holts and Famous don't have this issue because they are a legitimate business, and pay taxes as such. This is an issue that comes up regarding cash "trades" aka sales. If you are conducting business through f&f, you are in violation of lapyap Terms of Service, and your account is in (potential) jeopardy.