Template - Starter

Conservative starter (recommended)

Conservative starting point for small teams. Strict on disputes, generous on payouts. Auto-allow up to $100. Route anything above $100 up to $750 to approval. Block above $750.

Install in dashboard All templates

Why this profile

Design rationale

The recommended default for most teams running their first month of governed outflows. Everyday refunds and goodwill credits auto-allow so small incidents flow without friction, the middle band routes to the approvals queue, and the hard block stops a runaway agent or compromised admin from emptying the till. Disputes with evidence due within 48 hours always escalate regardless of amount, so finance never silently misses a deadline.

Default mode: simulatestarterbalancedapprovals

Decision matrix

Top-level thresholds

These thresholds apply to refunds and any category that does not have its own override. Amounts are in USD cents in the underlying rule and rendered in USD here.

Auto-allow up to: $100
Approval band: $100 - $750
Hard block above: $750
Always escalate reasons: fraudulent
Dispute deadline rule: Escalate to approval when evidence is due within 48h, regardless of amount

Per-category overrides

Where the defaults differ

When a category has its own ceiling, the typed evaluator consults the override instead of the top-level. Categories without an override fall back to the thresholds above.

Goodwill credits

Discretionary credits issued via customer.balance_transaction. Often tighter than refund ceilings because every issuance is policy-discretionary.

Auto-allow up to: $50
Require approval: > $50
Hard block above: > $500

Payouts

stripe.payout.create plus the full lifecycle (paid, failed, canceled, reconciliation_completed). Operators with steady payout cadence want a higher ceiling here.

Auto-allow up to: $1,000
Require approval: > $1,000
Hard block above: > $25,000

Connect transfers

stripe.transfer.create and reversals across Connect platforms. Often the largest movements in marketplace flows.

Auto-allow up to: $500
Require approval: > $500
Hard block above: > $10,000

Disputes

charge.dispute lifecycle. Always combined with the dispute-window deadline rule below.

Auto-allow up to: $0
Require approval: > $0
Hard block above: > $1,000

Application fee refunds

application_fee.refunded for Connect platform fees. Smaller in scale, so usually a tighter ceiling than refunds.

Auto-allow up to: $25
Require approval: > $25
Hard block above: > $500

Sample decisions

What this template would decide

Pure threshold projection at common amounts. Live decisions also consult blocked-reason lists (e.g. fraudulent refunds always escalate) and the dispute-window escalation rule, so a real decision may be stricter than what the matrix shows.

Amount	Refund / default	Goodwill credits	Payouts	Connect transfers	Disputes	Application fee refunds
$50	Auto-allow	Auto-allow	Auto-allow	Auto-allow	Require approval	Require approval
$200	Require approval	Require approval	Auto-allow	Auto-allow	Require approval	Require approval
$500	Require approval	Require approval	Auto-allow	Auto-allow	Require approval	Require approval
$2,000	Hard block	Hard block	Require approval	Require approval	Hard block	Hard block
$10,000	Hard block	Hard block	Require approval	Require approval	Hard block	Hard block

Identifiers

Wiring details

Useful when you want to reference this template programmatically, in tests, or in support tickets.

Template slug: conservative-smb
Resulting policy name: Conservative starter policy
Install endpoint: POST /api/policies/typed-templates/install with body { slug: "conservative-smb" }
Catalog endpoint: GET /api/policies/typed-templates

Next step

Install this template

Sign in to your Axiru workspace and install 'Conservative starter (recommended)'. Decisions land on your dashboard within seconds of your next webhook. Move from simulate to enforce when you have the audit trail you want.

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

Open template installer