Payment Processor Prohibited & Restricted Businesses Lookup
Pick your product or service and see whether it's prohibited or restricted among conventional major processors.
Look up your business type across 8 payment processors
No category by that name. Try another word, like "lending" or "tickets".
Choose a category on the left, or start from one of these.
Mainstream processors avoid these categories. We underwrite the legal ones, with low or no monthly fees, no long-term contracts, and daily ACH settlement.
Get PricingDisclaimer: This is not legal advice. The “Not Listed” label means the processor hasn’t published a stance on your category. It doesn’t mean the category is approved.
By processor
Every processor's prohibited and restricted list.
Each page carries the full list from that processor's published terms, grouped by status, with the exact policy language and the date it was captured.
2Checkout
86 prohibited and 0 restricted in 2Checkout's published terms.
Captured 2026-08-07Adyen
42 prohibited and 57 restricted in Adyen's published terms.
Captured 2026-08-07Braintree
53 prohibited and 6 restricted in Braintree's published terms.
Captured 2026-08-07PayPal
23 prohibited and 18 restricted in PayPal's published terms.
Captured 2026-08-07Square
32 prohibited and 0 restricted in Square's published terms.
Captured 2026-08-07Stripe
23 prohibited and 14 restricted in Stripe's published terms.
Captured 2026-08-07SumUp
2 prohibited and 72 restricted in SumUp's published terms.
Captured 2026-08-07Wise
28 prohibited and 6 restricted in Wise's published terms.
How to read the verdicts
Prohibited, restricted, and not listed are different problems.
Prohibited means the processor's published terms ban the category outright.
Restricted means the category is allowed only with conditions, usually written pre-approval that can be revoked.
Not listed means the category was not named in the processor's published list since our last review. But that doesn't mean it's approved.
Processors decline high-risk merchants case by case, and accounts that slip through a category screen are often frozen or closed later.
Mainstream processors publish these lists because their model depends on avoiding high-risk merchants. That is the honest context for every verdict here. If your business is on one of these lists, the fix is not a workaround, it is an account underwritten for your category from the start.
Lists change. Each processor's live page controls, and every verdict links to it. This lookup reports what each processor's published terms say about business categories. It says nothing about whether any business is legal, and it is not legal advice.
On the list?
A mainstream processor prohibited you. We start there.
Midnight Payments approves high-risk businesses, with low or no monthly fees, no long-term contracts, and daily ACH settlement.