High-risk isn't the same as illegal. Most "banned by Stripe" merchants run lawful businesses — they just sell in categories mainstream processors refuse to touch. We're not reckless. We're open.
Stripe classifies anything labeled "research only" as unregulated pharma. Instant ban on first complaint.
Moonpay is a crypto on-ramp, not a pharmacy processor. Customers are buying USDC — the peptide purchase is a separate transaction on your store. Card-side risk sits with Moonpay.
SARMs, nootropics, hormone support and unverified claims trigger Stripe’s auto-closure model within 30–60 days.
No claim review. Your product page is your problem — we just route the payment. USDC settles regardless of ingredient politics.
Stripe requires a Federally-approved CBD program with seed-to-sale paperwork. Most small brands cannot qualify.
You plug in your Polygon wallet and go. No COA review, no seed-to-sale audit, no state-by-state approval.
DEA scheduling threat plus FDA warnings make kratom near-impossible on mainstream rails. Most processors auto-ban it.
We do not classify your goods. Payments flow wallet-to-wallet — neutral infrastructure.
Stripe requires age verification auditing plus ongoing content moderation review. Visa/MC also impose brand reputation rules.
Moonpay accepts adult MCCs. Stigma is their problem; settlement to your wallet is straightforward.
Gambling requires a licensed MCC (7995) plus operator license per jurisdiction. Stripe declines outside a handful of whitelisted markets.
You handle your own licensing. We route the funds. Customers pay by card, you receive USDC. No MCC gatekeeping from us.
High chargeback vertical. Card networks flag recurring dating subscriptions as adult digital goods and kick you to high-risk tiers.
Chargebacks do not reach your wallet — USDC is irreversible once it lands. Moonpay handles disputes upstream.
Stripe has zero tolerance for long shipping windows from overseas fulfillment. One customer complaint equals account review equals freeze.
No fulfillment audit. No shipping time cap. You ship when you ship — not our business.
PACT Act compliance plus age verification plus state nicotine taxes. Most processors exit the vertical entirely.
We are neutral infrastructure. PACT compliance is your job; we just settle the payment.
Stripe bans anything adjacent to firearms — holsters, scopes, ammo cases, parts. Even lawful accessories get kicked.
Non-lethal accessories are welcome. Actual firearms and lethal ammunition are excluded — see prohibited list below.
Stripe, Mollie, and most EU rails require you to be a regulated VASP with MiCA registration before accepting cards for crypto-related services.
We are not a VASP — we are a payment router. You are already in crypto if you are selling crypto services. Widget integration takes minutes.
Anything above $500 per session with a refund policy triggers Stripe’s consumer protection review. High-ticket coaches get frozen constantly on buyer’s remorse disputes.
USDC is final. Buyer’s remorse does not claw back your coaching fee. You are the final arbiter of your refund policy.
We're open, not reckless. A short list of activities will get you immediately off our rails — not because card networks say so, but because we refuse to be part of them.
Fentanyl, meth, cocaine, heroin, any DEA Schedule I/II narcotic sold for recreation. Research chems in a grey zone are fine; hard narcotics are not.
Any content involving minors. Any trafficking. Immediate ban, report to NCMEC, no refunds, wallet address blacklisted permanently.
Complete firearms, live ammunition, explosives, destructive devices. Accessories (holsters, scopes, cases) are OK. Fireable weapons are not.
Any funding of designated terrorist organizations, paramilitary groups, or violent extremist movements. We screen wallet addresses against OFAC and Chainalysis lists.
Sales to sanctioned individuals, entities, or jurisdictions (Iran, North Korea, Syria, Cuba, occupied Crimea/Donetsk/Luhansk regions). Moonpay geo-blocks automatically; we enforce the same at our layer.
There's no KYB review to pass. If your business is lawful where you operate and doesn't match the prohibited list above, you can integrate right now and take a payment in 30 seconds. If something goes wrong later, we'll tell you — but we don't pre-screen.