Template - E-commerce

E-commerce / DTC

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

Why this profile

Design rationale

Higher auto-allow than the conservative starter because DTC e-commerce has steady low-value refund volume that doesn't warrant a human in the loop. Tightens the dispute path because chargebacks in DTC are a strong fraud signal. Hard-blocks the `fraudulent` reason on refunds — Stripe will surface this to the originating system as a structured rejection.

Default mode: simulateecommercedtcbalanced

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: $200
Approval band: $200 - $2,500
Hard block above: $2,500
Always escalate reasons: fraudulentduplicate
Dispute deadline rule: Escalate to approval when evidence is due within 36h, 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: > $750

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: $2,000
Require approval: > $2,000
Hard block above: > $50,000

Connect transfers

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

Auto-allow up to: $1,000
Require approval: > $1,000
Hard block above: > $20,000

Disputes

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

Auto-allow up to: $0
Require approval: > $0
Hard block above: > $2,000

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
$50	Auto-allow	Auto-allow	Auto-allow	Auto-allow	Require approval
$200	Auto-allow	Require approval	Auto-allow	Auto-allow	Require approval
$500	Require approval	Require approval	Auto-allow	Auto-allow	Require approval
$2,000	Require approval	Hard block	Auto-allow	Require approval	Require approval
$10,000	Hard block	Hard block	Require approval	Require approval	Hard block

Identifiers

Wiring details

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

Template slug: ecommerce-dtc
Resulting policy name: E-commerce refund policy
Install endpoint: POST /api/policies/typed-templates/install with body { slug: "ecommerce-dtc" }
Catalog endpoint: GET /api/policies/typed-templates

Next step

Install this template

Sign in to your Axiru workspace and install 'E-commerce / DTC'. 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