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. Where a policy does not mention your category at all, we say so and show you the clause that gets applied instead, because not being on a prohibited list is not the same as being allowed. It usually means the decision was left to an underwriter, and it will be made after you have built the store and taken the orders.
14 categories
Peptides
Stripe: Not namedPayPal: Not namedShopify Payments: Not namedNone of the three name peptides at all, which is exactly the problem. Merchants read that silence as permission, build the store, and find out where they stand only when a review freezes the balance. The absence of the word means the decision was deferred to an underwriter, not that it was made in your favour.
CBD and hemp
Stripe: RestrictedPayPal: Not namedShopify Payments: RestrictedThis is the one category of the fourteen where a mainstream processor says yes in writing, and the yes is narrower than most merchants read it as. Stripe permits CBD on stated conditions about THC content. Everything sold on the strength of being intoxicating sits outside that permission, whatever the label says.
Supplements and nutraceuticals
Stripe: RestrictedPayPal: Not namedShopify Payments: RestrictedSupplements are the one category here where the governing clause is explicit, and it does not turn on what you sell. Stripe prohibits nutraceuticals that are unsafe or that make harmful claims, so an ordinary vitamin brand passes and the same brand with disease language on the product page does not.
Weight loss products
Stripe: RestrictedPayPal: Not namedShopify Payments: RestrictedWeight loss carries every risk on this page simultaneously: an outcome claim in the product name, an unusually high dispute rate, and in the GLP-1 era a supply chain that runs into prescription-drug territory. Stripe names one weight-loss product specifically, and everything else is judged on claims.
Kratom
Stripe: Not namedPayPal: Not namedShopify Payments: Not namedNot one of the three names kratom anywhere. It is also banned outright in several US states and unscheduled federally, which means the payments question and the legality question have different answers depending on where the parcel goes. Processors resolve that ambiguity by declining.
SARMs
Stripe: Not namedPayPal: Not namedShopify Payments: Not namedUnnamed by all three, and the closest thing to a named clause is PayPal's, which puts steroids in the same breath as narcotics. SARMs sit in the worst available position: not explicitly banned, so merchants believe they are fine, and close enough to an explicitly banned category that no reviewer will spend long on the distinction.
Nootropics
Stripe: Not namedPayPal: Not namedShopify Payments: Not namedThe most survivable category on this list, and the one where merchants most often lose an account they could have kept. Nootropics are unnamed everywhere, and a catalogue of caffeine, L-theanine and B-vitamins is genuinely low risk. Add one unapproved-drug compound and the whole account inherits that compound's risk profile.
Research chemicals
Stripe: ProhibitedPayPal: Not namedShopify Payments: ProhibitedThis is the only category on the page where Stripe's prohibition hangs on a single word, and the word is not "research". Stripe prohibits incorrectly labelled research chemicals. A genuine laboratory supplier with accurate labelling is in a materially different position from a consumer store using the term as cover.
Telehealth
Stripe: RestrictedPayPal: Not namedShopify Payments: RestrictedStripe names telemedicine and restricts rather than prohibits it, so compliant telehealth is genuinely bankable. The line that decides your outcome is prescription fulfilment. A consultation platform and a business that ships the drug afterwards are different underwriting propositions wearing the same website.
Vapes and e-cigarettes
Stripe: RestrictedPayPal: ProhibitedShopify Payments: RestrictedStripe names e-cigarettes and permits them under a lawfulness condition. PayPal names cigarettes flatly. The bigger operational problem for most vape merchants is not the processor at all: it is that age verification and shipping law are conditions of the permission, and failing them retroactively voids it.
Firearms and ammunition
Stripe: RestrictedPayPal: ProhibitedShopify Payments: RestrictedStripe permits firearms in limited circumstances. PayPal prohibits them along with parts and accessories. The trap here is accessories: merchants who sell no firearms at all routinely assume they are outside the category and find that the policies reach parts and components too.
Cryptocurrency
Stripe: RestrictedPayPal: Needs pre-approvalShopify Payments: RestrictedStripe restricts exchanges and wallets with limited availability. The critical distinction, and the one merchants ask about most, is that accepting crypto as payment for an ordinary product is not what these clauses cover. Being the exchange is the regulated activity; taking payment in it is not.
Credit repair
Stripe: ProhibitedPayPal: ProhibitedShopify Payments: ProhibitedProhibited by Stripe by name, including credit monitoring and counselling, and covered by PayPal's financial services clause. A service business with no product risk at all is treated more severely here than several of the ingestible categories above, because the risk being priced is the dispute rate and the regulatory attention, not the safety of anything.
Adult content
Stripe: ProhibitedPayPal: ProhibitedShopify Payments: ProhibitedThe least ambiguous category here. Stripe prohibits it outright and the prohibition explicitly extends to text and imagery, not just video. PayPal restricts sexually oriented material. There is no reading of either policy that gets a mainstream processor to yes.
Where these rules actually live
- Stripe
- Stripe splits its list in two. Prohibited means no. Restricted means allowed only under stated conditions, sometimes only in some countries. Anything absent from both lists is not thereby permitted. Stripe: Prohibited and restricted businesses.
- PayPal
- PayPal's policy is written in categories rather than products, and the word "certain" does a great deal of work in it. That elasticity is deliberate, and it is why merchants who read the list and concluded they were fine still get shut off. PayPal: Acceptable Use Policy.
- Shopify Payments
- Shopify Payments publishes no prohibited-business list of its own. Its terms delegate to whichever processor serves your country, and for the United States that list names Stripe and PayPal. So the Shopify answer is not a separate answer: it is the Stripe and PayPal answer, reached through a company that cannot overrule either. Shopify: Payment processor list.
What this cannot tell you
A published policy is the floor, not the decision. Underwriting also weighs your processing history, chargeback ratio, corporate documents, the people behind the business and the acquirer’s appetite on the day, none of which is visible from a policy document. A category marked restricted here can still be declined, and a merchant in a permitted category can still be terminated for what their own product pages say.
This speaks only to payment acceptance. Whether what you sell is lawful where you ship it is a question for a qualified attorney, and we are not one.
Found your category and did not like the answer?
That is the normal outcome for 7 of the 14 categories here, and it is survivable. Getting approved is a matter of declaring the category to someone who underwrites it deliberately and having the documentation ready before they ask. We do that part.
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