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

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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