Payment-Ready Legal Policies & Website Disclosure Templates
Production-ready Terms of Service, Refund Policies, Privacy Disclosures, and Billing Notice drafts specifically engineered to satisfy Stripe, Paddle, Lemon Squeezy, and Creem merchant underwriting rules.
Don't want to edit text manually? Try the Interactive Policy Generator
Configure your product name, refund SLA, and support contact to calculate Visa/Mastercard compliance scores and export ready-to-paste HTML / Markdown policies for 15 platforms in 60 seconds.
Standard Policy Drafts
Underwriter-Verified Documentation Blueprints
Updated October 12, 2026
Refund Policy Template for SaaS and Digital Products
Card-network-compliant refund policy draft for SaaS, subscriptions, and digital goods. Meets Visa Core Rules Section 5.9.3.1 and Mastercard requirements.
Updated September 6, 2026
Terms of Service Template for SaaS Founders
A starter terms page covering account use, billing expectations, suspension, and contact details.
Updated September 6, 2026
Privacy Policy Template for SaaS Products
A privacy policy draft focused on operational data, service providers, retention, and support requests.
Updated September 6, 2026
Support Page Template for Payment Review Readiness
A support page draft that makes response channels, availability, and refund routing easier to understand.
Updated September 6, 2026
Pricing Disclosure Template for SaaS Billing Pages
A pricing disclosure draft that explains plan scope, renewals, trials, and cancellation timing clearly.
Why Payment Underwriters Enforce Strict Policy Disclosure
Underwriters do not create arbitrary rules. Website compliance policies are directly dictated by global payment network operating regulations and consumer protection directives:
“A Merchant must provide clear and prominent disclosure of its refund and cancellation terms to the Cardholder prior to the completion of the Transaction. The terms must be easily accessible on the Merchant website.”
Mandatory for all Stripe, Paddle, and PayPal merchant applications.
“Merchants offering recurring subscriptions or negative-option billing must provide a simple online cancellation mechanism that can be accessed with no more than one click from the customer account profile.”
Enforces 1-click self-service cancellation for recurring billing.
“You must publish a clear customer service contact, dispute resolution process, and refund policy on your website. Failure to maintain compliant policies may result in reserves or termination.”
Automated Stripe risk scrapers flag missing policies within 24 hours of account creation.
“Consumers have a statutory right of withdrawal within 14 days from contract conclusion, unless explicit prior consent and acknowledgment of forfeiture is obtained prior to digital delivery.”
Required by Paddle and Lemon Squeezy for European customer coverage.
Frequently Asked Questions
Compliance & Legal Policy FAQs for Software Founders
What legal policies are required by payment processors before going live?
Card schemes (Visa, Mastercard) and payment processors (Stripe, Paddle, Lemon Squeezy, Creem) require four mandatory public disclosures in your persistent website footer: (1) Explicit Refund and Cancellation Policy with objective timeframes; (2) Terms of Service detailing software licensing and acceptable use; (3) GDPR/CCPA-compliant Privacy Policy; and (4) Corporate Identity disclosures including legal entity name, registered physical address, and dedicated customer support email.
Why do Visa and Mastercard penalize websites without explicit subscription cancellation workflows?
Under Visa Core Rules Section 5.9.3.1 and Mastercard Announcement AN 4843, negative-option recurring subscriptions that require phone calls or email delays to cancel are classified as deceptive billing practices. Merchants must provide a direct, online self-service 1-click cancellation mechanism in the account dashboard.
Can software and digital goods companies enforce a strict “No Refunds” policy?
While allowable in limited jurisdictions for immediate source code downloads, blanket “no refund” terms are heavily scrutinized by underwriters because they trigger elevated chargebacks. Underwriters strongly favor a defined 14-day or 30-day money-back guarantee, or an explicit policy stating unused token credits are refundable within 14 days.