Goodwill credits
Discretionary credits issued via customer.balance_transaction. Often tighter than refund ceilings because every issuance is policy-discretionary.
- Auto-allow up to
- $100
- Require approval
- > $100
- Hard block above
- > $20,000
Template - SOX / public co
SOX mid-market / pre-IPO controlled
For pre-IPO and recently-public mid-market companies. Looser everyday refund ceiling than strict-public-co, formal approval routing above journal-entry materiality.
Why this profile
Design rationale
For mid-market companies (pre-IPO with documented SOX-readiness program OR recently public S-1 issuers) that need a SOX-aligned control environment but cannot freeze the support team's everyday refund cadence at a strict-public-co ceiling. Threshold shape: $250 auto-allow keeps routine NPS-style refunds out of the approval queue; $5k approval matches a typical mid-market journal-entry materiality threshold so anything that hits the GL above this is reviewable; $100k block sits below typical small-cap quarterly materiality. Dispute window 48h to give the AR team a working day before evidence is locked.
Default mode: simulatesoxmid-marketpre-ipocontrolled
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
- $250
- Approval band
- $250 - $100,000
- Hard block above
- $100,000
- Always escalate reasons
fraudulentduplicate- 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.
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
- > $250,000
Connect transfers
stripe.transfer.create and reversals across Connect platforms. Often the largest movements in marketplace flows.
- Auto-allow up to
- $2,500
- Require approval
- > $2,500
- Hard block above
- > $500,000
Disputes
charge.dispute lifecycle. Always combined with the dispute-window deadline rule below.
- Auto-allow up to
- $0
- Require approval
- > $0
- Hard block above
- > $25,000
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.
Identifiers
Wiring details
Useful when you want to reference this template programmatically, in tests, or in support tickets.
- Template slug
sox-mid-market-controlled- Resulting policy name
SOX mid-market controlled policy- Install endpoint
POST /api/policies/typed-templates/installwith body { slug: "sox-mid-market-controlled" }- Catalog endpoint
GET /api/policies/typed-templates
See also: all templates - full coverage matrix - AI agents brief
Next step
Install this template
Sign in to your Axiru workspace and install 'SOX mid-market / pre-IPO controlled'. 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.