Policy templates

Out-of-the-box governance for every Tier 1 outflow — and for agentic stablecoin payouts

Battle-tested presets covering refunds, disputes, payouts, transfers, goodwill credits, and application-fee refunds on legacy Stripe, plus three Stripe DAA presets for agentic stablecoin payouts. Pick the one that matches your risk profile, install with one click, audit decisions in simulate before you enforce.

What a template gives you on day one

Every template materializes into a single active policy with per-category thresholds, blocked-reason lists, dispute deadline routing, and a default mode that says either 'compute decisions, don't enforce yet' (simulate) or 'enforce on the provider call' (enforce).

Decisions before money moves — across every rail you connect.

Starter

1 template in this category.

Conservative starter (recommended)

simulate

Auto-allow under $100, route $100–$750 to approval, hard-block above $750. Strict on disputes, generous on payouts.

Auto-allow
$100
Approval band
$100$750
Hard block
> $750
Dispute window
48h
starterbalancedapprovals
See decision matrix →

E-commerce

2 templates in this category.

E-commerce / DTC

simulate

Tuned for product-refund volume: auto-allow up to $200, approve up to $1,000, block above. Disputes always reviewed.

Auto-allow
$200
Approval band
$200$2,500
Hard block
> $2,500
Dispute window
36h
ecommercedtcbalanced
See decision matrix →

E-commerce subscription box

simulate

Tuned for monthly-box DTC: auto-allow refunds up to $75, approve to $500, hard-block above. Tight dispute window.

Auto-allow
$75
Approval band
$75$1,500
Hard block
> $1,500
Dispute window
24h
ecommercesubscription-boxrecurring
See decision matrix →

SaaS / subscriptions

2 templates in this category.

SaaS subscription

simulate

Refunds are rare; pro-rated credits common. Auto-allow up to $500, approve to $5k, block above.

Auto-allow
$500
Approval band
$500$25,000
Hard block
> $25,000
Dispute window
48h
saassubscriptionhigh-trust
See decision matrix →

SaaS PLG / usage-based

simulate

For self-serve, metered-billing SaaS. Auto-allow refunds to $250, generous goodwill credit ceiling for routine overage waivers.

Auto-allow
$250
Approval band
$250$10,000
Hard block
> $10,000
Dispute window
48h
saasplgusage-basedcredits
See decision matrix →

Marketplace / Connect

2 templates in this category.

Marketplace / Connect platform

simulate

Tuned for high payout/transfer volume with platform-level fee economics. Stricter on app-fee refunds.

Auto-allow
$250
Approval band
$250$10,000
Hard block
> $10,000
Dispute window
24h
marketplaceconnectplatform
See decision matrix →

Marketplace gig / services

simulate

High-frequency low-value worker payouts. Stricter application-fee refunds, tighter dispute window than platform-default marketplace.

Auto-allow
$150
Approval band
$150$5,000
Hard block
> $5,000
Dispute window
24h
marketplacegigservicesconnect
See decision matrix →

High-risk fintech

1 template in this category.

High-risk / fintech

enforce

Strict on everything. Approve almost any outflow above $50; block fraud reasons hard.

Auto-allow
$50
Approval band
$50$1,000
Hard block
> $1,000
Dispute window
24h
fintechhigh-riskstrict
See decision matrix →

High-volume / mature

1 template in this category.

Permissive (large-volume operators)

simulate

For mature finance teams with strong fraud controls upstream. Auto-allow up to $1k, approve to $25k.

Auto-allow
$1,000
Approval band
$1,000$100,000
Hard block
> $100,000
Dispute window
72h
permissivehigh-volumelow-friction
See decision matrix →

Agentic / DAA stablecoin

3 templates in this category.

Block high-value stablecoin payouts (DAA)

Stripe DAA
simulate

Hard-block agentic stablecoin payouts above $5k. Auto-allow under $250, route $250–$5k to approval.

Auto-allow
$250
Approval band
$250$5,000
Hard block
> $5,000
Dispute window
48h
daastablecoinstrict
See decision matrix →

USDC transfers ≥ $10k require approval (DAA)

Stripe DAA
simulate

Auto-allow agent USDC transfers under $1k, require human approval at or above $10k. No hard block — finance keeps final call.

Auto-allow
$1,000
Approval band
$1,000$1,000,000
Hard block
> $1,000,000
Dispute window
72h
daausdcapproval
See decision matrix →

Country blocklist on DAA

Stripe DAA
enforce

Hard-block any DAA-initiated payout flagged for a sanctioned or high-risk destination country. Approval required above $1k.

Auto-allow
$250
Approval band
$250$10,000
Hard block
> $10,000
Dispute window
24h
daacompliancegeo
See decision matrix →

SOX compliance

3 templates in this category.

SOX public co / strict

simulate

For publicly-traded companies with low individual-transaction materiality. Auto-allow only routine refunds, dual-approval above sub-certification threshold, hard-block above quarterly materiality.

Auto-allow
$100
Approval band
$100$25,000
Hard block
> $25,000
Dispute window
24h
soxpublic-comaterialityaudit-trail
See decision matrix →

SOX mid-market / pre-IPO controlled

simulate

For pre-IPO and recently-public mid-market companies. Looser everyday refund ceiling than strict-public-co, formal approval routing above journal-entry materiality.

Auto-allow
$250
Approval band
$250$100,000
Hard block
> $100,000
Dispute window
48h
soxmid-marketpre-ipocontrolled
See decision matrix →

SOX quarterly close lockdown

simulate

Aggressive close-window posture. Non-trivial outflows route to approval, every dispute and high-risk refund reason hard-blocked, dispute evidence due in 12h.

Auto-allow
$25
Approval band
$25$10,000
Hard block
> $10,000
Dispute window
12h
soxclose-windowlockdownperiod-end
See decision matrix →
Next step

Install a template, watch decisions in simulate, then enforce

Sign in to your Axiru workspace and pick a template. The first decisions land on your dashboard within seconds of your next webhook.

Start in shadow mode first. Move to live enforcement later.

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Policy templates — out-of-the-box governance for refunds, disputes, payouts, transfers, and agentic stablecoin payouts | Axiru