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

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.

Tell us what you sell