This MCC covers services that provide internet access, cloud storage, and file-sharing platforms. The high-risk nature comes from the potential for these platforms to be used for distributing illegal content, intellectual property violations, and other cybercrimes. Identifying legitimate uses versus abuse (e.g., pirated material) is a challenge for both payment processors and authorities, but the high-risk nature of cyberlockers has led to many payment processors blocking the category.

Internet services such as cloud computing are also at high risk for chargeback and abuse. A skilled attacker could, for example, use stolen credit cards to buy computing resources, mine cryptocurrency with the resources, and move the money to a different account before their transaction is processed. The broad scope of this category requires more nuanced risk assesment: trust SafetyKit to detect real risks across all types of digital products.