Free policy check
Can I sell this on Stripe, Shopify or PayPal?
Every answer below is quoted from the processor’s own published policy, with a link and the date we last read it. If a policy doesn’t mention your category, we say so and show you the clause that gets applied instead, because not being on a prohibited list doesn’t mean you’re allowed. Usually it means an underwriter decides, after you’ve built the store and taken the orders.
14 categories
Peptides
Stripe: Not namedPayPal: Not namedShopify Payments: Not namedNone of the three name peptides, and that's the problem. Merchants read the silence as permission, build the store, and only find out where they stand when a review freezes the balance. A missing word means an underwriter makes the call later. It doesn't mean anyone said yes.
CBD and hemp
Stripe: RestrictedPayPal: Not namedShopify Payments: ProhibitedStripe allows CBD in writing, on stated conditions about THC content, but that yes is narrower than most merchants think. Anything sold because it's intoxicating falls outside that permission, whatever the label says. Shopify Payments doesn't take CBD at all, so a Shopify store needs a third-party payment provider.
Supplements and nutraceuticals
Stripe: RestrictedPayPal: Not namedShopify Payments: Not namedSupplements are the one category here where the clause is explicit, and it doesn't turn on what you sell. Stripe prohibits nutraceuticals that are unsafe or make harmful claims. An ordinary vitamin brand passes. Put disease language on the product page and the same brand doesn't.
Weight loss products
Stripe: RestrictedPayPal: Not namedShopify Payments: Not namedWeight loss has every risk on this page at once. The product name is an outcome claim and the dispute rate is unusually high. With GLP-1s, the supply chain can also run into prescription-drug territory. Stripe names one weight-loss product specifically, and everything else is judged on its claims.
Kratom
Stripe: Not namedPayPal: Not namedShopify Payments: Not namedNone of the three names kratom anywhere. It's also banned outright in several US states and unscheduled federally, so the legal answer, and with it the payments answer, changes depending on where the parcel goes. Processors deal with that uncertainty by saying no.
SARMs
Stripe: Not namedPayPal: Not namedShopify Payments: Not namedNone of the three names SARMs. The nearest thing is PayPal's clause, which lists steroids right next to narcotics. That leaves SARMs in the worst spot there is. They aren't explicitly banned, so merchants assume they're fine, and they're close enough to a banned category that no reviewer will spend long on the difference.
Nootropics
Stripe: Not namedPayPal: Not namedShopify Payments: Not namedThis is the easiest category on the list to survive, and the one where merchants most often lose an account they could have kept. None of the three policies names nootropics, and a catalogue of caffeine, L-theanine and B-vitamins is low risk. Add one unapproved-drug compound and the whole account takes on that compound's risk.
Research chemicals
Stripe: ProhibitedPayPal: Not namedShopify Payments: ProhibitedThis is the only category here where Stripe's prohibition hangs on a single word, and that word isn't "research". Stripe prohibits incorrectly labelled research chemicals. A real laboratory supplier with accurate labels is in a very different position from a consumer store using the term as cover.
Telehealth
Stripe: RestrictedPayPal: Not namedShopify Payments: Not namedStripe names telemedicine and restricts it instead of banning it, so compliant telehealth is bankable. What decides your outcome is prescription fulfilment. A consultation platform and a business that ships the drug afterwards can have the same website and still be completely different to underwrite.
Vapes and e-cigarettes
Stripe: RestrictedPayPal: ProhibitedShopify Payments: ProhibitedStripe names e-cigarettes and allows them as long as they're sold lawfully, and since 22 September 2026 that means FDA-authorized products only in the United States. PayPal names cigarettes and prohibits them with no conditions, and since June 2026 Shopify doesn't allow vaping products on its platform at all. For most vape merchants the bigger problem is age verification and shipping law, because those are conditions of Stripe's permission, and failing them voids it after the fact.
Firearms and ammunition
Stripe: RestrictedPayPal: ProhibitedShopify Payments: ProhibitedStripe allows firearms in limited circumstances. PayPal prohibits them, along with parts and accessories, and Shopify Payments names firearms, ammunition and holsters on its own list. Accessories are the trap. Merchants who don't sell a single firearm assume they're outside the category, then find out the policies cover parts and components too.
Cryptocurrency
Stripe: RestrictedPayPal: Needs pre-approvalShopify Payments: ProhibitedStripe restricts exchanges and wallets, with limited availability. What merchants ask about most is taking crypto as payment for an ordinary product, and these clauses don't cover that. Running the exchange is what's regulated.
Credit repair
Stripe: ProhibitedPayPal: ProhibitedShopify Payments: ProhibitedStripe prohibits it by name, counselling included, and PayPal and Shopify Payments both name it too. A service business with no product risk gets treated more harshly than several of the ingestible categories above. What's being priced is the dispute rate and the regulatory attention.
Adult content
Stripe: ProhibitedPayPal: ProhibitedShopify Payments: ProhibitedThe clearest answer on this page. Stripe prohibits adult content outright, and the prohibition covers text and imagery as well as video. PayPal prohibits "certain sexually oriented materials or services". No reading of either policy gets a mainstream processor to yes.
Where these rules live
- Stripe
- Stripe splits its list in two. Prohibited means no. Restricted means allowed only under stated conditions, sometimes only in some countries. If something isn't on either list, that doesn't make it allowed. Stripe: Prohibited and restricted businesses.
- PayPal
- PayPal writes its policy in categories instead of products, and leans hard on the word "certain". That vagueness is deliberate. It's why merchants who read the list and decided they were fine still get shut off. PayPal: Acceptable Use Policy.
- Shopify Payments
- Shopify Payments runs on Stripe and PayPal in the United States, and its terms point at their lists. Shopify's help center also publishes its own list of what Shopify Payments won't support, and where that list names your category it's stricter than Stripe. So you have to clear Shopify's list and the processors' lists. Shopify can say no where Stripe says yes, but it can't say yes where Stripe says no. Shopify: Payment processor list.
What this can’t tell you
A published policy is only the starting point. Underwriters also look at your processing history, chargeback ratio, corporate documents, the people behind the business and how much risk the acquirer wants that day. None of that shows up in a policy document. A category marked restricted here can still be declined, and a merchant in a permitted category can still be terminated over what their own product pages say.
This covers payment acceptance only. Whether what you sell is lawful where you ship it is a question for a qualified attorney, and we aren’t one.
Found your category and didn’t like the answer?
That’s normal for 7 of the 14 categories here, and it’s survivable. Getting approved means declaring the category to someone who underwrites it on purpose, with your documents ready before they ask. That’s the part we do.
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