diff --git a/lib/alavetelitheme.rb b/lib/alavetelitheme.rb
index b071ba62..f49cadf0 100644
--- a/lib/alavetelitheme.rb
+++ b/lib/alavetelitheme.rb
@@ -55,6 +55,7 @@ def prepend_theme_assets
               'mailer_patches.rb',
               'analytics_event.rb',
               'help_page_history.rb',
+              'pro_account_bans.rb',
               'public_body_questions.rb',
               'school_late_calculator.rb',
               'volunteer_contact_form.rb',
diff --git a/lib/model_patches.rb b/lib/model_patches.rb
index cbb0d078..5ecdb75d 100644
--- a/lib/model_patches.rb
+++ b/lib/model_patches.rb
@@ -69,6 +69,10 @@ def late_calculator
     ]
   }
 
+  ProAccount.class_eval do
+    prepend ProAccountBans::ModelMethods
+  end
+
   PublicBody.class_eval do
     # Return the domain part of an email address, canonicalised and with common
     # extra UK Government server name parts removed.
diff --git a/lib/pro_account_bans.rb b/lib/pro_account_bans.rb
new file mode 100644
index 00000000..0ed02fcc
--- /dev/null
+++ b/lib/pro_account_bans.rb
@@ -0,0 +1,31 @@
+module ProAccountBans
+  module ModelMethods
+    PRO_ACCOUNT_BANS_CONFIG = Rails.root.join('config/pro_account_bans.yml')
+
+    def update_source
+      return super unless pro_account_banned?
+
+      raise ProAccount::CardError, _("The card issuer couldn't authorize " \
+                                     "payment.")
+    end
+
+    def pro_account_banned?
+      return false unless bans_config
+
+      bans_config.any? do |ban|
+        ban.all? do |k, banned_value|
+          value = @token.card[k]
+          value.upcase.gsub(/\S/, '') if k == 'address_key'
+          value == banned_value
+        end
+      end
+    end
+
+    private
+
+    def bans_config
+      return unless File.exist?(PRO_ACCOUNT_BANS_CONFIG)
+      YAML.load_file(PRO_ACCOUNT_BANS_CONFIG)
+    end
+  end
+end