Last updated: November 2024

This update clarifies our position on the support of cyberlockers.

How to use this page

This page provides information on the types of businesses, products, and industries that can’t use Stripe’s services. To use Stripe’s services, you must remain compliant with these rules and restrictions. For more information about why we can’t work with every business, please see this articles about our business limitations.

High risk jurisdictions and persons

Prohibited Businesses

Industries that can’t use Stripe, and products Stripe doesn’t support.

Restricted businesses

Industries and products that require additional due diligence.

Jurisdiction specific prohibited businesses

Countries that have specific prohibitions. 

Prohibited uses of Stripe products

Stripe may never be used for certain activities, regardless of the industry.

Prohibitions for Stripe issuing products

Prohibitions related to the use of issuing products.

If you have any questions about prohibited and restricted businesses, you can contact us.

High-Risk Jurisdictions and Persons

Use of Stripe's services for any dealings, engagement, or sale of goods or services either directly or indirectly with the following are prohibited:

High-risk jurisdictions

Persons located in, resident in, or a citizen of, or products or services originating from jurisdictions that Stripe has determined for various reasons, including legal, contractual, and commercial reasons, to be prohibited, including, Cuba, Iran, North Korea, and Syria, and the Crimea, Donetsk, and Luhansk regions.

High-risk persons

Persons Stripe has determined for various reasons, including legal, contractual, and commercial reasons, to be prohibited, such as those individuals or entities named to a restricted person or party list of, or otherwise restricted by, the US, United Kingdom, European Union, or United Nations, including the sanctions maintained by the US Office of Foreign Assets Control or the Denied Persons List or Entity List maintained by the US Department of Commerce.

Additionally, it’s prohibited to use Stripe's products and services to directly or indirectly:

Prohibited services

Export, re-export, sell, or supply accounting services; trust and corporate formation services; management consulting services; architecture services; engineering services; quantum computing services; information technology (IT) consultancy and design services; and IT-support services and cloud-based services for enterprise management software and design and manufacturing software to any person located in Russia. In the European Union and the United Kingdom, it is prohibited to use Stripe’s products and services, directly or indirectly, to provide credit-rating services, market research and public relations services, advertising services, auditing services, or legal advisory services to any person located in Russia. 

Prohibited goods

Deal in any goods prohibited by law for export to or import from Russia (for example, luxury goods, sensitive goods included in the Common High Priority Items List, enterprise management software and design software).

Prohibited businesses

You must not use Stripe’s services for any illegal activities or for the businesses or product types listed below. The types of businesses listed here are representative of prohibited categories, but this is not an exhaustive list.

Any illegal products and services

• Illegal drugs, substances designed to mimic illegal drugs, including kava
• Equipment and items intended to be used for making or using drugs
• Fake references or ID-providing services
• Telecommunications manipulation equipment, including jamming devices
• Businesses that engage in, encourage, promote, or celebrate unlawful violence or physical harm to persons or property
• Businesses that engage in, encourage, promote, or celebrate unlawful violence toward any group based on race, religion, disability, gender, sexual orientation, national origin, or any other immutable characteristic
• Any other products or services that are in violation of law in the jurisdictions where your business is located or to which your business is targeted

Adult content and services (see the FAQs for additional details)

• Adult services, including prostitution, escorts, pay-per-view, sexual massages, fetish services, mail-order brides, and adult live-chat features
• Adult video stores
• Gentleman’s clubs, topless bars, and strip clubs
• All online dating services, including matchmakers
• Pornography and other mature-audience content (including literature, imagery, and other media) depicting nudity or explicit sexual acts
• Any artificial intelligence–generated content that meets the above criteria

Debt relief companies

• Debt settlement, debt negotiation, and debt consolidation

The following financial products and services

• ATMs 
• Cheque cashing
• Debt collection agencies
• Funded prop trading
• Money orders and traveller’s cheques 
• Payable-through accounts
• Peer-to-peer money transmission
• Selling bearer shares
• Shell banks

Gambling

• Games of chance including gambling, internet gambling, casino games, sweepstakes and contests, and fantasy sports leagues with a monetary or material prize
• Games of skill including video game and mobile game tournaments or competitions, darts, card games, and board games with a monetary or material prize
• Payments of an entry or player fee that promise the entrant or player will win a prize of value
• Sports forecasting or odds-making with a monetary or material prize
• Lotteries
• Bidding fee auctions

Government services

• Offering products and services by or on behalf of embassies and consulates
• Offering government services without authorisation or value-add 
• Offering government services with misleading claims
• Disbursement of government economic support, such as grants

Identity services

• Identity theft protection, services including monitoring and recovery

Products and services that infringe on intellectual property rights

• Sales or distribution of music, movies, software, or any other licensed materials without appropriate authorisation
• Counterfeit goods
• Illegally imported or exported products
• Unauthorised sale of brand-name or designer products or services
• Any other products or services that directly infringe or facilitate infringement upon the trademark, patent, copyright, trade secrets, proprietary, or privacy rights of any third party

The following legal services

• Bankruptcy lawyers
• Bail bonds
• Law firms collecting funds for purposes other than legal service fee payment

Lending and credit

• Loan repayments with credit cards
• Credit monitoring, credit repair, and counselling services

Marijuana (see the FAQs for additional details)

• Cannabis products 
• Cannabis dispensaries and related businesses
• CBD products with THC levels greater than the applicable local jurisdiction’s legal limit, including CBD edibles
• Hydroponic equipment and other cultivation or production equipment marketed for growing marijuana
• Courses and information on cultivating marijuana

Nutraceuticals and pseudo-pharmaceuticals

• Pseudo-pharmaceuticals or nutraceuticals that are not safe or make harmful claims

Non-fiat currency 

• Cryptocurrency mining and staking
• Initial coin offerings (ICOs)
• Secondary NFT sales

Travel

• Commercial airlines and cruises
• Charter and private airlines
• Timeshare services

Unfair, deceptive, or abusive acts or practices (acts or practices that contravene rules, laws, regulations, or guidance prescribed by the Federal Trade Commission, Consumer Financial Protection Bureau, or other local consumer regulatory bodies) 

• Pyramid schemes
• Multi-level marketing services offering commission or recruitment-based sales
• “Get rich quick” schemes, including investment opportunities or other services that promise high rewards to mislead consumers; schemes that claim to offer high rewards for very little effort or up-front work; and sites that promise fast and easy money
• Businesses that make outrageous claims, use deceptive testimonials, use high-pressure upselling, or use fake testimonials (with or without a written contract) 
• Businesses offering unrealistic incentives or rewards as an inducement to purchase products or services 
• No-value-added services, including the sale or resale of a service without added benefit to the buyer and resale of government offerings without authorisation or added value
• Sales of online traffic or engagement
• Negative option marketing, negative option membership clubs, and reduced price trials with unclear or hidden pricing 
• Telemarketing
• Predatory mortgage consulting 
• Predatory investment opportunities with no or low money down
• Suspicious remote technical support
• Door-to-door sales
• Document falsification services
• Any other businesses that Stripe considers unfair, deceptive, or predatory towards consumers

Weapons, firearms, explosives, and dangerous materials

• Guns, gunpowders, ammunitions, fireworks, and other explosives
• Weapon components such as firing pins, magazines, clips, and firearm conversion kits and any 3D-printed weapons
• Improperly marked replicas of modern firearms, including toys
• Pepper spray and stun guns
• Swords and katanas, unless they are meant as replicas or for the practice of martial arts
• Machetes
• Disguised knives and knives with opening mechanisms designed for quick deployment of a blade
• Pesticides requiring application by a certified professional 
• Research chemicals 
• Toxic, flammable, combustible, or radioactive materials
• Prohibited and restricted goods for postage, per the United States Postal Service

Restricted Businesses

Businesses in these categories require additional due diligence by Stripe in order to confirm our ability to support them. When you create your Stripe account, you will be asked to provide additional information (such as proof of relevant licences or more details about your business model) to confirm your eligibility to use Stripe. Due to card network rules, requirements of financial partners, and our own compliance and legal obligations, if your business falls into one of the categories below, Stripe might not be able to grant approval for your business to use our products. If we do provide approval, note that the approval is specific to each service offer, and it may be modified or revoked by Stripe at any time per the terms of the Stripe Services Agreement.

Read more about restricted businesses in our FAQs.  

The types of businesses listed below are representative of our restricted businesses but not exhaustive.

Content creation platforms (see the FAQs for additional details)

Platforms that host or distribute third-party content and enable content creators to:

• Receive content-related tips and other payments in exchange for their content
• Sell exclusive content or digital goods

Note: Individual content creators on approved platforms (for example, connected accounts of an approved Stripe Connect user) and those directly distributing their own content (for example, on their own website) do not require pre-approval. However, all content creators must comply with the Stripe Services Agreement and this Prohibited and Restricted Businesses list (which, for example, prohibits the sale of adult content) and are subject to monitoring by Stripe to ensure compliance.

Cyberlockers

• Cyberlocker and file-sharing services

Regulated industries

Cannabidiol (CBD) (see the FAQs for additional details)

• CBD products containing only negligible amounts of THC, per local limits

Cryptocurrency (limited availability: Contact our sales team if you would like to work with Stripe.)

• Cryptocurrency (for example, Bitcoin, Ripple, Ethereum, Dogecoin, Cardano, etc.) exchanges and wallets. For crypto and NFT support and availability by region, please see crypto supportability. 

Financial products and services (limited availability: Contact our sales team if you would like to work with Stripe)

• Investment and brokerage services, including real estate–based investments
• Lending services, including real estate loans
• Bank account funding
• Buy now, pay later services
• Money transmitters, remittances, currency exchange services, and other money service businesses
• Escrow services
• Neobanks or challenger banks
• Other financial services

Jurisdiction-Specific Prohibited Businesses

Prohibited uses of Stripe Products

• Use of Stripe products with false, manipulated, inaccurate, or misleading information regarding your identity, business entity, the nature of the business, and any other information requested by Stripe. 
  • If there are any changes to your personal and business information, you must notify Stripe immediately.
• Use of Stripe products to facilitate transactions on behalf of another undisclosed merchant or for products or services that weren’t disclosed in the business’s Stripe account application
• Use of Stripe principally as a virtual terminal (for example, submitting card transactions by manually inputting card information).
• Processing where there is no bona fide goods or service sold, or donation accepted; card testing.
• Evasion of card network chargeback monitoring programmes.
• Cross-border acquiring where the business address of the merchant is outside the jurisdiction of the acquiring Stripe entity, unless permitted under the card network rules.
• Sharing cardholder information with another business for payment or cross-sell products or services.
• Use of Stripe intellectual property without prior written consent from Stripe; use of the Stripe name or logo including use of Stripe trade or service marks inconsistent with the Stripe Marks Usage Agreement, or in a manner that otherwise harms Stripe or the Stripe brand; any action that implies an untrue endorsement by, or affiliation, with Stripe.

Prohibitions for Stripe Issuing products

You must not use Stripe Issuing for the following activities.

Consumer use

• Consumer use of Stripe Issuing is when an Issuing card is created to fully or partially enable payments for personal, family, or household use, including: 
• Providing a payment method loaded with or that accesses consumer funds
• Cards that disburse payroll or payouts
• Any other uses that directly or indirectly enable payments using the consumer’s funds

International use

When you sign up for Stripe Issuing, you share with Stripe the location of your business, the physical address of your beneficial owners, and the jurisdiction in which your business is registered. Stripe requires that the physical location of your business, its jurisdiction of registration, and the physical address of at least one of your beneficial owners all match. Furthermore, you must use Issuing cards primarily in the same jurisdiction.

Lending use

You can’t use Stripe Issuing as a method to extend credit to your customers using your own funds, unless you have the appropriate licensing to do so and you have received express consent from Stripe to use Issuing for that purpose.  

Other abusive use

Any other abusive use of Stripe Issuing, including:

• Using Issuing cards to abuse free-trial products at scale
• Using Issuing cards to buy in-demand items or services with the sole intent to sell them for profit (for example, retail scalping)
• Using Issuing cards for any other illegitimate purposes

Non-compliance

As a user of Stripe Issuing, you must comply with our US compliance guidelines (or see the EU- and UK-specific guidelines), and our compliance teams might ask you to update your marketing materials or aspects of your user experience. This helps to make sure that both you and Stripe continue to comply with federal, state, or any equivalent local or country -specific laws and regulations that govern the use of these financial products. Failure to comply within the requested time frames might result in the closure of your Stripe account. 

Inactivity

If there is inactivity on all cards associated with an account for a period of 12 consecutive months, Stripe automatically closes your Issuing account.

Integration type

If you plan to enable your customers to use Stripe Issuing for purposes of creating cards for your customers’ employees or contractors, you must implement Stripe Issuing on Connect  (for example, if you’re a platform that wants to enable your customers to create cards for their employees to use for business travel or marketing expenses, you must create a Connect account for each of your customers). Please consult Stripe if you have any questions regarding the correct integration type for your business.