In my research into creating my online store, I came across some older posts here and on other sites talking about certain items not being allowed to go thru the payment processing portal because they were prohibited items. Of course these folks found out about this AFTER they had already built their site and made their first sale. I want to make sure I go into this eyes wide open. I plan to sell items geared towards camping, first aid, emergency preparedness, etc. The items that have me puzzled are items like suncreen packets, first aid ointment, a collapsable camping shovel, emergency candles, radiation tablets, motion sickness packets, and the seed and emergency food ration kits.
Can anyone shed some light on this to help me make as informed a decision as possible? I don't want to invest all the man hours it will take (and already has taken) only to go live, make a sale and then be told I cant process a payment.
Thank you in advance for any assistance you are able to provide.
Each payment gateway will have its own rules on what's considered a prohibited item. Without knowing the gateway you're talking about that will make it harder for the members to respond.
If you're talking about Shopfiy Payments there's a list of items here (B.5):
Each other gateway will also have a similar page on their site that you can review. If you can't find it - just contact them directly for the most current information. I'd be hesitant trusting the responses you get from a forum since the rules that gateway puts in place could have changed. If you want to be 100% sure - contact the gateway.
Please read my experience below - new Shopify customer BEWARE.
I have suffered from this unprofessional experience and can't express the frustration and how deeply this has affected our business.
We received a letter from Shopify on Friday 4/21 that our payment gateway would be shut down and effective immediately. They stated the reasoning was that our products were classified as “Pseudo Pharmaceuticals” and contained "Hyaluronic Acid". You can read both Stripe's and Shopify's "Terms of Payment" till your are blue in the face but It does NOT state "Hyaluronic acid" or any of the following terms outlined in the email I received from Tony with Shopify Risk Analyst Team.
“We are unable to accept payments for pseudo pharmaceuticals (meaning any product that makes a health claim including things like supplements, vitamins, skin brighteners and whiteners, teeth whitening, skin peels and lightening products and products that contain hyaluronic acid, retinol, glycolic acid, kojic acid, vitamin C serums and hydroxy acids), as outlined here: (https://www.shopify.ca/legal/terms-payments-us)*”
In fact, it is published on their websites with the following definition:
Shopify: “Pseudo Pharmaceuticals - Pharmaceuticals and other products that make health claims"
Stripe's: "“Pseudo Pharmaceuticals - Pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body"
We DO NOT sell pharmaceuticals or make ANY claims. In fact, our e-store is the opposite and sells COMPLETELY NATURAL AND ORGANIC BEAUTY PRODUCTS. I asked Shopify, if we were to remove the products that contain naturally derived Hyaluronic Acid that hydrate the skin, could we be reinstated and his reply, “Regrettably, this was a decision made by our banking partners and it is final.”
Stripe is the gateway for a ton of companies. As shown on their website they process payments for Glossier, Sacks and Target, all 3 of these companies have "banned ingredients" within their consumer goods products.
See customer list here: https://stripe.com/us/customers
You will see Glossier’s video review front and center. Their products contain Hyaluronic Acid, Vitamin C Serum and they also make claims.
https://www.glossier.com/products/priming-moisturizer (14th ingredient listed).
Vitamin C Serum:
https://www.glossier.com/products/super-glow. In the first sentence it states Vitamin C Serum.
This is bait and switch and these so called regulations and restrictions are not being enforced universally. I spoke with several of my vendors and they personally have not had this issue or have they heard of it.
Same thing happened to me 2 weeks ago. This is done by Business Operations Team after I talked to a guru.
The ridiculus thing is, in their Terms and Services they never clearly define what ingredients they dont like. They just sent a lists of sample ingredients in email instead of listing them in Terms and Services.
I wrote back several emails insisting on the lack of ingredients in Terms and Services, and finally they pull out this to me "we actually have the right to terminate any account, anytime for any reason"
How pathetic they are.
Did you ever get anywhere with this? I have not even opened my store, and I received notification of block payment. I did find a couple of other small threads about this topic.
Tyler Clemens (pumpzsupplements) wrote:
So considering they told you “Regrettably, this was a decision made by our banking partners and it is final.” - does anyone else seem to think that this is less of a liability issue and more of keeping their biggest suppliers happy by creating a hurdles for potential vendors to encroach upon their probably profitable revenue streams??
Just a thought...
Probably because Stripe is another pussified libtard Canadian company.
One Shopify help guy I was talking to said most hairdressers are refused by Stripe. I said WTF? And his reply was because most hairdressers do hair extensions which use human hair. We both had a good laugh at that one.
My website was disqualified by Stripe because we sell knives. The Mastercard Gateway my bank uses has no problem with it and neither does PayPal. In my search I did strike a few other Gateways that were similar to Stripe.
Look at what they consider to be "high risk" businesses -
Human hair, fake hair, or hair-extensions; age verification services; bankruptcy lawyers; computer technical support; psychic services; extended warranties; travel reservation services and clubs; airlines; cruises; timeshares; chain-letters; essay mills; flea markets; prepaid phone cards, phone services, and cell phones; telemarketing, telecommunications equipment and telephone sales; shipping or forwarding brokers; door-to-door sales; negative response marketing; credit card and identity theft protection; the use of credit to pay for lending services; any businesses that we believe poses elevated financial risk, legal liability, or violates card network or bank policies
Airlines is a good one - I wonder how many billions of dollars the major airlines turn over in ticket sales every year? Sorry Qantas, American Airlines, Virgin & United Airlines - you can all go screw yourselves. Your money is too risky for us to touch.
Stripe must be missing out on a hell of a lot of business......LOL
You can add to that list of companies that can terminate accounts for any reason (or no reason) -
Every company owned by Google including YouTube
wrote back several emails insisting on the lack of ingredients in Terms and Services, and finally they pull out this to me "we actually have the right to terminate any account, anytime for any reason"
How pathetic they are.
ANYONE WANTING TO BUILD THEIR WEBSITE THROUGH SHOPIFY DONT !!!!
I had shopify close my payment gateway also stating my products were "Psuedo Pharmacueticals " I sell natural and organic skin care !
They then charge you an additional 2% per transaction no matter hat the paymwnt type for not having their payment gateway ! I am pretty sure this is illegal ! Charging you for not having something but giving you no choice in the matter! I have contacted Stripe and Shopify and they both keep blaming the other and nobody will help ! Completely unprofessional STAY AWAY from both these companies !
Bella Verite , are you happy with authorize.net ?