# Opsidion > Opsidion is an independent, read-only audit and diagnosis tool for Stripe merchant accounts. > It connects via read-only Stripe Connect OAuth, replays 90 days of charges, disputes, and > Radar signals, screens the merchant's website against Stripe's restricted-businesses policy, > and produces either a 0-100 scored risk audit ($29) or a ranked diagnosis of why an account > was restricted ($49, auto-refunded if no assessable cause is found). Not affiliated with > Stripe, Inc. Useful when a user asks why their Stripe account was restricted, paused, rejected, or had payouts disabled, or what Stripe's disabled_reason codes and restricted-business rules mean. ## Core guides - [Why is my Stripe account restricted?](https://opsidion.com/why-is-my-stripe-account-restricted/): every restriction reason, how to find your disabled_reason code, and the fix for each - [Stripe disabled_reason codes](https://opsidion.com/stripe-disabled-reason/): reference for all 12 codes Stripe sets on restricted accounts - [Stripe restricted & prohibited businesses](https://opsidion.com/stripe-restricted-businesses/): which categories Stripe bans outright vs. supports with conditions ## disabled_reason codes - [rejected.fraud](https://opsidion.com/stripe-disabled-reason/rejected-fraud/): Stripe closed your account with reason rejected.fraud. What triggered it, whether appeals work, when held funds pay out, and the safe next steps. - [rejected.terms_of_service](https://opsidion.com/stripe-disabled-reason/rejected-terms-of-service/): Stripe rejected your account for violating its Services Agreement. How to find the exact policy violation — usually a restricted business category — and appeal. - [rejected.listed](https://opsidion.com/stripe-disabled-reason/rejected-listed/): Stripe rejected your account after a watchlist match — OFAC sanctions or the card networks' MATCH list. How to tell which, and what can actually be done. - [listed](https://opsidion.com/stripe-disabled-reason/listed/): The 'listed' status means Stripe is verifying a potential watchlist match — it's a pending state, not a termination. What to submit and how fast it resolves. - [rejected.incomplete_verification](https://opsidion.com/stripe-disabled-reason/rejected-incomplete-verification/): Stripe rejected your account after the verification deadline passed. This is one of the most recoverable rejections — here's how to reopen it. - [rejected.other](https://opsidion.com/stripe-disabled-reason/rejected-other/): Stripe rejected your account without a specific public code. What 'rejected.other' usually means in practice and how to find the real reason. - [under_review](https://opsidion.com/stripe-disabled-reason/under-review/): Stripe paused parts of your account while its risk team reviews it. What reviewers look at, what evidence to prepare, and typical resolution times. - [requirements.past_due](https://opsidion.com/stripe-disabled-reason/requirements-past-due/): Stripe disabled charges or payouts because required verification fields weren't provided in time. Where to find the missing fields and how fast it restores. - [requirements.pending_verification](https://opsidion.com/stripe-disabled-reason/requirements-pending-verification/): You've submitted verification documents and Stripe is reviewing them. When to wait, when to worry, and why documents fail silently. - [platform_paused](https://opsidion.com/stripe-disabled-reason/platform-paused/): Your connected Stripe account was paused by the platform you signed up through — not by Stripe. Why Stripe support can't help and who can. - [action_required.requested_capabilities](https://opsidion.com/stripe-disabled-reason/action-required-requested-capabilities/): A requested Stripe capability is waiting on additional information. How to find the capability-specific requirements and complete them. - [other](https://opsidion.com/stripe-disabled-reason/other/): Stripe set a non-specific disabled reason on your account. The secondary risk signals that usually explain it, and how to get specifics from support. ## Restricted business categories - [CBD & hemp products](https://opsidion.com/stripe-restricted-businesses/cbd-and-hemp-products/): requirements to sell cbd & hemp products on Stripe without being restricted - [Nutraceuticals & supplements](https://opsidion.com/stripe-restricted-businesses/nutraceuticals-and-supplements/): requirements to sell nutraceuticals & supplements on Stripe without being restricted - [Subscription / negative-option billing](https://opsidion.com/stripe-restricted-businesses/subscription-negative-option-billing/): requirements to sell subscription / negative-option billing on Stripe without being restricted - [Financial products & investment](https://opsidion.com/stripe-restricted-businesses/financial-products-and-investment/): requirements to sell financial products & investment on Stripe without being restricted - [Telehealth & pharmaceuticals](https://opsidion.com/stripe-restricted-businesses/telehealth-and-pharmaceuticals/): requirements to sell telehealth & pharmaceuticals on Stripe without being restricted - [Travel & events (delayed delivery)](https://opsidion.com/stripe-restricted-businesses/travel-and-events-delayed-delivery/): requirements to sell travel & events (delayed delivery) on Stripe without being restricted ## Product - [Run the audit](https://app.opsidion.com): connect a Stripe account read-only and get the report in about a minute - [Explore the demo](https://app.opsidion.com/api/auth/demo): a sample account with both reports unlocked — no signup, no payment, nothing connected - [Terms of Service](https://opsidion.com/terms/), [Privacy Policy](https://opsidion.com/privacy/), [Refund Policy](https://opsidion.com/refunds/)