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.1
🔴 Must be done
- Legal name filled in (company: legal entity + registered address; individual / sole trader: legal name only — no business address needed)
- 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
2
🟡 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
3
Final pass
- Every
[placeholder]is replaced with real text - Version number and effective date filled in
- V3 — picked one option from each of the three refund choices
- Deleted the sections that don’t apply (V1 users remove V2/V3 blocks, etc.)
On the refund policy display: Pancake currently has no separate refund policy setting, and the checkout does not display a refund policy. Put your refund policy in your Terms of Service and make sure it opens from your site footer without logging in.
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 only, no business address needed. A brand name alone won’t do. Fill[Legal Name], [Country/Region], [Brief service description], [Website URL]; companies also fill [Legal Registered Address].
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)