Quick Answer / Summary
Stripe rejections usually happen for three reasons: Non-compliant website (missing policies), Prohibited business model (high-risk industries), or Verification failure (KYC/KYB issues). To fix it, audit your website compliance, appeal with a detailed business plan, or switch to a specialized high-risk provider.
Top 5 Reasons for Stripe Rejection
- 🚫 Missing Legal Pages: No Refund Policy or Terms of Service.
- 🚫 Inconsistent MCC: Your business category doesn't match your website.
- 🚫 High-Risk Industry: Crypto, Gaming, or certain SaaS models.
- 🚫 Identity Issues: Mismatch between bank account and company name.
- 🚫 Negative Processing History: High chargeback rates from previous processors.
How to Appeal a Stripe Decision
If your account was rejected, don't just open a new one. This will lead to a permanent ban. Instead, prepare a formal appeal document that includes your business license, proof of inventory/fulfillment, and a clear explanation of your business model.
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