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The policy establishes country-specific prohibited and restricted business categories that apply in addition to the global prohibited and restricted lists, with materially different permissibility determinations for the same product or service category depending on the merchant's operating jurisdiction.
This analysis describes what Stripe's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision creates layered compliance obligations for merchants operating in multiple jurisdictions, requiring country-level assessment of permissibility for product and service categories that may be globally permitted but locally prohibited or restricted.
Under this provision, merchants operating in any of the listed countries are subject to additional country-specific restrictions that may prohibit business types or products that are otherwise permitted under Stripe's global policies, requiring jurisdiction-level compliance review for each listed country of operation.
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"Jurisdiction-specific prohibited businesses: Countries that have specific prohibitions. [Followed by country-specific lists for Brazil, Canada, India, Indonesia, Japan, Malaysia, Mexico, Singapore, Thailand, United Arab Emirates, and United States]Excerpt from Stripe's Restricted Businesses List
(1) REGULATORY LANDSCAPE: The jurisdiction-specific restrictions reflect local financial services regulations, consumer protection laws, and licensing requirements in each listed country. For example, India's extensive prohibited list engages RBI regulations and Indian financial services licensing law; Indonesia's distinctions between prohibited and restricted categories reflect OJK regulatory requirements; Thailand's prohibitions on alcohol and gambling engage Thai regulatory frameworks. The relevant enforcement authorities are the financial and consumer protection regulators in each listed jurisdiction. (2) GOVERNANCE EXPOSURE: High for multi-jurisdictional merchants. The lists vary significantly by country for the same product category: domestic charter air travel is prohibited in Indonesia but restricted in Thailand, the UAE, Mexico, Malaysia, and Singapore, and permitted (with conditions) in the US, CA, UK, EU, BR, IN, TH, and AU as noted in the policy update. Merchants must maintain country-level compliance mapping rather than applying a single global permissibility standard. (3) JURISDICTION FLAGS: India's jurisdiction-specific list is the most extensive, prohibiting a broad range of financial services, nonprofit organizations, religious organizations, and cross-border transactions. Japan's list includes a requirement for a 'Commercial Disclosure' page under Japan's Specified Commercial Transactions Act, creating a website compliance obligation for Japanese merchants. The UAE and Singapore lists include prohibitions on advertising services for locally illegal products. (4) CONTRACT AND VENDOR IMPLICATIONS: B2B platforms operating in multiple listed countries should conduct a country-by-country review of their service offerings against the applicable jurisdiction-specific prohibited list. The Japan Specified Commercial Transactions Act requirement creates a specific website compliance obligation that procurement and legal teams should flag for Japanese operations. (5) COMPLIANCE CONSIDERATIONS: Compliance teams at multi-jurisdictional businesses should build a compliance matrix mapping each product and service offering against the prohibited and restricted categories for each country of operation listed in this policy. The Indonesia list's use of Prohibited and Restricted designations requires particular attention to which designation applies to each listed category.
This provision creates layered compliance obligations for merchants operating in multiple jurisdictions, requiring country-level assessment of permissibility for product and service categories that may be globally permitted but locally prohibited or restricted.
Under this provision, merchants operating in any of the listed countries are subject to additional country-specific restrictions that may prohibit business types or products that are otherwise permitted under Stripe's global policies, requiring jurisdiction-level compliance review for each listed country of operation.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Stripe.