Stripe alternative

A Stripe Alternative for High-Risk Businesses

Stripe publishes a list of industries it prohibits or puts under extra review. If your business is on it, or your Stripe account was closed, a dedicated merchant account from a high-risk specialist is usually a better fit.

Why it happens

Why Stripe declines or closes some businesses

Stripe's Prohibited and Restricted Businesses list splits industries into two groups. Some are prohibited outright, such as gambling, adult content, and CBD with THC above local limits. Others are restricted and need extra review before Stripe will support them, such as low-THC CBD, firearms and travel reservation services.

Stripe also lets most businesses sign up in minutes and reviews them as they process. That's convenient for low-risk sellers, but it means a business in a sensitive industry can be approved at signup and then have its account reviewed, paused or closed later.

Instant-signup payment platform
Dedicated merchant account
When you're reviewed
Mostly after you start processing
Before approval, by underwriting
Your account
Shared under the provider's account
Your own merchant ID
High-risk industries
Often prohibited or restricted
Reviewed case by case
Reserves and limits
Can be added after a review
Set out when the account is approved
Best for
Low-risk businesses that want to start today
Businesses that need stable, long-term processing

Based on Stripe's Prohibited and Restricted Businesses page, reviewed November 2026. Stripe may change its policies at any time. Stripe is a trademark of Stripe, Inc. Zeyla is not affiliated with Stripe.

Industries

Businesses that often look for a Stripe alternative

CBD and hemp

Lab-tested CBD sellers who need a processor that understands hemp compliance.

CBD merchant accounts →

Nutraceuticals

Supplement brands, including those with trial or auto-ship offers.

Nutraceutical accounts →

Travel

Agencies and tour operators who take payment long before the trip.

Travel merchant accounts →

Subscriptions

Recurring billing businesses that need clear terms and stable processing.

Subscription accounts →

How switching to Zeyla works

Step 1

Apply

Tell us about your business in about 3 minutes. It's free to apply.

Step 2

Specialist review

A payments specialist reviews your application and asks for any documents needed.

Step 3

Approval and setup

Once you're approved, we help you connect your website checkout or card terminal.

Step 4

Start processing

Accept cards with a processor that knows your industry.

Stripe alternative FAQ

Why did Stripe close my account?

Stripe can review accounts after signup. Common reasons for closure include operating in an industry on its prohibited or restricted list, a rise in chargebacks or refunds, or activity that doesn't match what was described at signup. Stripe's notice to you should give the specific reason.

Do you accept businesses that Stripe declined?

We review every application individually, including businesses that another processor has declined or closed. Being upfront about your history gives your application its best chance.

What do I need to apply?

Usually owner ID, business registration documents, a bank letter or voided check, and recent bank and processing statements. See the full approval checklist.

Is Zeyla affiliated with Stripe?

No. Zeyla is an independent payment processing company and is not affiliated with Stripe, Inc.