refund.decide.fyi

Deterministic refund eligibility notary for US consumer subscriptions

Quick Start

curl -X POST https://refund.decide.fyi/api/v1/refund/eligibility \
  -H "Content-Type: application/json" \
  -d '{"vendor":"adobe","days_since_purchase":12,"region":"US","plan":"individual"}'

Response: {"refundable":true,"verdict":"ALLOWED","code":"WITHIN_WINDOW",...}

No auth required. 100 req/min rate limit. See all examples →

Overview

refund.decide.fyi is a stateless, deterministic API that provides authoritative refund eligibility signals for US consumer subscriptions. It returns one of three verdicts:

ALLOWED - Refund is within the vendor's refund window
DENIED - Refund window has expired or vendor doesn't offer refunds
UNKNOWN - Unable to determine eligibility (unsupported vendor, region, or plan)

Perfect for:

AI agents that need reliable refund policy data
Customer support tools
Financial applications
Subscription management platforms

API Endpoints

REST API

Endpoint: https://refund.decide.fyi/api/v1/refund/eligibility

Method: POST

Request Body:

{
  "vendor": "adobe",
  "days_since_purchase": 12,
  "region": "US",
  "plan": "individual"
}

Response (Success):

{
  "refundable": true,
  "verdict": "ALLOWED",
  "code": "WITHIN_WINDOW",
  "message": "Refund is allowed. Purchase is 12 day(s) old, within 14 day window.",
  "rules_version": "2026-01-15",
  "vendor": "adobe",
  "window_days": 14,
  "days_since_purchase": 12
}

Response (Denied):

{
  "refundable": false,
  "verdict": "DENIED",
  "code": "OUTSIDE_WINDOW",
  "message": "Refund window expired. Purchase is 20 day(s) old, exceeds 14 day window.",
  "rules_version": "2026-01-15",
  "vendor": "adobe",
  "window_days": 14,
  "days_since_purchase": 20
}

Response (No Refunds):

{
  "refundable": false,
  "verdict": "DENIED",
  "code": "NO_REFUNDS",
  "message": "spotify does not offer refunds for individual plans",
  "rules_version": "2026-01-15",
  "vendor": "spotify",
  "window_days": 0
}

MCP Server

Endpoint: https://refund.decide.fyi/api/mcp

Protocol: Model Context Protocol (JSON-RPC 2.0)

Tool Name: refund_eligibility

The MCP server implements the full MCP specification with the following methods:

initialize - Protocol negotiation
tools/list - List available tools
tools/call - Execute refund eligibility check

Supported Vendors

Vendor	Identifier	Refund Window
Adobe	`adobe`	14 days
Apple App Store	`apple_app_store`	14 days
Canva	`canva`	No refunds
Dropbox (US)	`dropbox_us`	No refunds
Google Play	`google_play`	2 days
Microsoft 365	`microsoft_365`	30 days
Netflix	`netflix`	No refunds
Notion	`notion`	3 days
Spotify	`spotify`	No refunds

Note: Currently supports US region and individual plans only.

Response Codes

Code	Description
`WITHIN_WINDOW`	Purchase is within refund window - refund allowed
`OUTSIDE_WINDOW`	Purchase exceeds refund window - refund denied
`NO_REFUNDS`	Vendor does not offer refunds for this plan type
`UNSUPPORTED_VENDOR`	Vendor not in our database
`NON_US_REGION`	Region other than US (not yet supported)
`NON_INDIVIDUAL_PLAN`	Plan type other than individual (not yet supported)
`INVALID_DAYS_SINCE_PURCHASE`	days_since_purchase must be non-negative number
`MISSING_VENDOR`	vendor field is required
`MISSING_REGION`	region field is required
`MISSING_PLAN`	plan field is required

Usage Examples

cURL

curl -X POST https://refund.decide.fyi/api/v1/refund/eligibility \
  -H "Content-Type: application/json" \
  -d '{
    "vendor": "adobe",
    "days_since_purchase": 12,
    "region": "US",
    "plan": "individual"
  }'

JavaScript (fetch)

const response = await fetch('https://refund.decide.fyi/api/v1/refund/eligibility', {
  method: 'POST',
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({
    vendor: 'adobe',
    days_since_purchase: 12,
    region: 'US',
    plan: 'individual'
  })
});

const result = await response.json();
console.log(result.verdict); // "ALLOWED" or "DENIED" or "UNKNOWN"

Node.js Client

Requires Node 18+.

node client/refund-auditor.js adobe 12
node client/refund-auditor.js spotify 1
node client/refund-auditor.js microsoft_365 25

Python

import requests

response = requests.post('https://refund.decide.fyi/api/v1/refund/eligibility', json={
    'vendor': 'adobe',
    'days_since_purchase': 12,
    'region': 'US',
    'plan': 'individual'
})

result = response.json()
print(f"Verdict: {result['verdict']}")

Error Handling

HTTP Status Codes

200 - Success (check verdict field for eligibility result)
400 - Bad Request (invalid JSON or malformed request)
405 - Method Not Allowed (only POST is supported)
500 - Internal Server Error

Error Response Format

{
  "ok": false,
  "request_id": "abc123",
  "error": "INVALID_JSON",
  "message": "Request body must be valid JSON"
}

Architecture

Stateless - No database, no sessions, no side effects
Deterministic - Same input always produces same output
Versioned Rules - Rules file includes version for tracking changes
Serverless - Runs on Vercel Edge Functions for global low latency
Zero Dependencies - Core compute logic has no external dependencies

Data Sources

Refund policy data is compiled from official vendor documentation and terms of service. Data is manually curated and verified. Rules version is updated whenever policy changes are detected.

Last updated: 2026-01-15

Limitations

US Only - Currently only supports US region
Individual Plans Only - Business/enterprise plans not yet supported
Calendar Days - Refund windows are based on calendar days, not business days
No Pro-rating - Does not calculate partial refunds or pro-rated amounts
Static Rules - Does not account for promotional offers or special circumstances

Changelog

v1.0.0 (2026-01-15)

Added:

Initial release
REST API endpoint
MCP server implementation
Support for 9 major vendors (Adobe, Spotify, Netflix, Microsoft 365, Apple App Store, Google Play, Notion, Canva, Dropbox)
Comprehensive input validation
Descriptive error messages
Shared compute module

Fixed:

Removed broken Amazon Prime vendor
Removed unused mode field from rules
Improved error handling and JSON parsing
Deduplicated compute logic between REST and MCP endpoints

Contributing

Found incorrect refund policy data? Want to add a new vendor?

Check the vendor's official refund policy documentation
Open an issue with the policy details and source links
We'll verify and update the rules file

Free API (No Auth)

This API is currently free to use. No authentication. No API keys.

Rate limit: 100 requests/minute per IP.

Questions? decidefyi@gmail.com or @decidefyi on X

License

Rules data is provided as-is for informational purposes only. Always verify refund eligibility with the vendor directly before making decisions.

refund-decide

Documentation