Pick your billing model
Each model maps to its own billing-specific block (sections 4–7) further down. Pick the card that matches how you charge — it jumps straight to the matching block.V1 — Subscription
Monthly or yearly recurring. Auto-renews until canceled.
V2 — Credits
Buy credit packs and spend them. Optional auto top-up.
V3 — Hybrid
A plan with credits and extra packs sold separately.
Before you publish
🔴 items are what wins or loses disputes. 🟡 items materially strengthen your defense.🔴 Must be done
- Legal name and address filled in (company: legal entity + registered address; individual / sole trader: legal name + business address)
- The T&C is shown at checkout, with a tick-box consent
- Recurring / auto-top-up authorization in place (if you charge automatically)
- In-product cancel flow exists (not email-only)
- Refund policy filled in and shown at checkout
- Third-party AI providers declared (if you use them)
- Prohibited-uses list matches your actual product
- Payment processor named:
Waffo Pancake - Every contact channel listed is real and monitored
🟡 Strongly recommended
- Billing descriptor set so customers recognize the name on their card statement — the #1 chargeback cause is “I don’t recognize this charge”
- Annual subscribers get a renewal reminder ~7 days out
- Free-trial users get a “trial converting” reminder ~7 days out
- V2/V3 — credits-about-to-expire reminder
On the refund policy display: in Pancake, save the refund policy in your store settings — the checkout picks it up automatically. You don’t need to keep two copies in sync.
Template
Copy the common sections below, then pick the billing-specific block that matches your model and slot it in between Section 3 and Section 8. Replace every[placeholder] with your real text.
The template is in English. Translate or localize as your market requires.
Common — sections 1–3 and 8–16
Sections 1–3 & 8–16 (use in every version)
Billing-specific — sections 4–7
Pick the one block that matches your billing model and slot it between Section 3 and Section 8. Delete the other two.V1 — Subscription
V1 — Subscription (sections 4–7)
V2 — Credits / Top-up
V2 — Credits / Top-up (sections 4–7)
V3 — Hybrid
V3 — Hybrid (sections 4–7)
Section-by-section reference
Each section shows its tier (🔴 load-bearing · 🟡 strongly recommended · ⚪ optional), a one-line summary, and the matching template snippet. Sections 4–7 vary by billing model — pick the one block (V1, V2, or V3) that matches how you charge.1. Introduction & Acceptance
🔴 load-bearing Names the seller — a company gives its legal entity + registered address; a sole trader / individual gives their legal name + business address. A brand name alone won’t do. Fill[Legal Name], the address line that fits you, [Country/Region], [Brief service description], [Website URL].
Section 1 (common)
2. Service Description
🔴 load-bearing “Digital SaaS, delivered immediately on payment” — the line that pushes back when customers claim non-delivery. Fill[Legal Name], [describe core functionality]. Keep 2.3 only if you depend on third-party AI providers.
Section 2 (common)
3. Account Registration & Eligibility
🔴 load-bearing Establishes that the account holder is responsible — blocks “someone else used my login.” Fill[security@company.com].
Section 3 (common)
4–7. Billing block — V1 Subscription
🔴 load-bearing Plans, recurring authorization, in-product cancel, and refund policy for recurring subscriptions. Section 5.1 is the clause card networks care about most — the customer must explicitly authorize recurring charges. Don’t go with “no refunds”; at minimum give first-time buyers 7 days. Prices stay on your pricing page, not here.V1 — Subscription (sections 4–7)
4–7. Billing block — V2 Credits / Top-up
🔴 load-bearing Credit packs, one-time purchase authorization, validity, and refunds. Include 5.2 only if you offer auto top-up. State explicitly that consumed credits are non-refundable; allow a 7-day refund on untouched credits.V2 — Credits / Top-up (sections 4–7)
4–7. Billing block — V3 Hybrid
🔴 load-bearing Subscription plus separately-sold credits. Combines recurring and one-time authorization. Refund section 7.3/7.4/7.5 has three picks (rollover, post-cancellation validity, consumption order) — choose one option each and delete the rest. Explain your choice on your help center too.V3 — Hybrid (sections 4–7)
8. Billing Disputes
🔴 load-bearing Where customers reach you before going to their bank. Fill[billing@company.com].
Section 8 (common)
9. AI Output & Intellectual Property (if you ship AI)
🔴 load-bearing Customer owns outputs; you have a limited license to process inputs; you don’t train on inputs without consent. Fill[Legal Name] in 9.2; add 9.3 if you use OpenAI / Anthropic / Google or similar.
Section 9 (common)
10. Acceptable Use Policy
🔴 load-bearing What customers can’t do, including AI-specific prohibitions (no competing models, no deepfakes, no impersonating professionals). No placeholders — read the list and make sure it covers your product. For a fuller content policy, pair this with the AUP template.Section 10 (common)
11. Data, Privacy & Security
🔴 load-bearing PCI-DSS handling plus a privacy-policy link. Pancake merchants: nameWaffo Pancake as the processor. Fill [privacy policy URL] (point it at your published privacy policy) and [90] days.
Section 11 (common)
12. Disclaimers & Limitation of Liability
🔴 load-bearing As-is disclaimer + AI-output disclaimer + a 12-month liability cap. Fill[LEGAL NAME] (all caps) and [12] months. Keep §12.2 — it’s the clause that protects you when customers act on AI output and lose money.
Section 12 (common)
13. Term & Termination
🔴 load-bearing When you can suspend, and how customers delete their account. Fill[support@company.com].
Section 13 (common)
14. Governing Law & Dispute Resolution
⚪ optional Jurisdiction + an optional arbitration clause. Fill[Country / State / Region] and [legal@company.com]. The arbitration sentence is optional — confirm with a lawyer if unsure.
Section 14 (common)
15. General Provisions
🔴 load-bearing Boilerplate with a 14-day minimum notice for terms changes. Fill[14] days (30 is friendlier).
Section 15 (common)
16. Contact Information
🔴 load-bearing Six channels by default. Better to list fewer real ones than six unmonitored — every channel here is checked during dispute handling. If you can only commit to one reliably, use it for every row.Section 16 (common)