Stripe terminated my account for a Terms of Service violation
Rejected for violating Stripe's Services Agreement. The account was terminated for a terms-of-service violation — most often operating a prohibited or restricted business, selling items different from what was declared, or unacceptable marketing claims.
How to confirm this is your code
Stripe exposes the code in the requirements.disabled_reason field of your
Account object. Check it with a direct API call —
GET /v1/accounts/{ACCOUNT_ID} — or connect
Opsidion read-only and it reads the field for you, along with the
verification errors, capability state, and 90 days of risk signals that explain
why Stripe set it. The dashboard banner usually paraphrases this code, but the
field itself is the source of truth.
The playbook
- Compare your actual products, website copy, and fulfillment model against https://stripe.com/legal/restricted-businesses (the website findings below may pinpoint the category).
- If the violating product line is separable, remove it entirely, then appeal via the dashboard notice with the cleaned-up site.
- If it's your core business, move to a processor that supports the category rather than appealing.
Typical timeline
Appeal viable if the violation is separable
One warning that applies to every rejected.* code: do not
open a fresh Stripe account for the same business. Stripe detects it quickly,
re-terminates, and repeat evasion is how merchants end up on the card networks' MATCH
list — which blocks onboarding at other processors for five years.
Get the full diagnosis, not just the code
The code tells you the category; it doesn't tell you which charge pattern, website issue, or verification field caused it. Opsidion's $49 diagnosis ranks every probable cause from your account's own signals — and auto-refunds if it finds nothing assessable.
Frequently asked
What does rejected.terms_of_service mean on a Stripe account?
The account was terminated for a terms-of-service violation — most often operating a prohibited or restricted business, selling items different from what was declared, or unacceptable marketing claims.
How do I fix a Stripe account with disabled_reason rejected.terms_of_service?
Compare your actual products, website copy, and fulfillment model against https://stripe.com/legal/restricted-businesses (the website findings below may pinpoint the category). If the violating product line is separable, remove it entirely, then appeal via the dashboard notice with the cleaned-up site. If it's your core business, move to a processor that supports the category rather than appealing.
How long does rejected.terms_of_service take to resolve?
Appeal viable if the violation is separable
Related codes
rejected.fraud— Stripe rejected the account for suspected fraudrejected.listed— Rejected: matched a prohibited-persons or sanctions listrejected.incomplete_verification— Rejected because verification was never completed- All disabled_reason codes