Refund Policy Generator

A refund policy draft for your business.

Business name

Refund contact email

Refund window

How to use the Refund Policy Generator, step by step

Real screenshots of the current tool, using sample inputs. Long results are shown as a preview.

1
Add your input
Paste or type into the field Refund Policy Generator works from.
2
Sample text in place
With sample text entered, Refund Policy Generator is ready to run.
3
Review the result
Select Generate to run the tool. This screenshot shows the result returned for the sample input.

What this tool does

Refund Policy Generator delivers fast, reliable results for generate a tailored refund policy for ecommerce or saas. customizable terms, conditions, periods. free, instant.

Designed to fit into your existing SEO and content workflow with no setup overhead.

How to use it

Five steps.

Describe your business

Enter business name, country, e-commerce vs SaaS model, and the regions you sell to (US, EU, UK, AU).

Set refund terms

Choose refund window (7/14/30/60/90 days), restocking fee policy, and whether sale items are excluded.

Toggle clauses

Enable warranty, defective-item, gift-purchase, subscription auto-renewal, and digital-product clauses as they apply.

Generate the policy

Output is markdown-ready. Includes statutory clauses for each region you sell to (e.g., EU 14-day cooling-off when EU is selected).

Publish to your platform

Paste into Shopify Settings > Policies, WooCommerce page, or any CMS. Link from footer and checkout for full Stripe dispute defense.

When teams use it

Six common workflows.

Launch Shopify store with compliant refund policy

Generate a refund policy that drops directly into Shopify Admin > Settings > Policies in under 5 minutes. Includes Shopify-recommended clause structure plus EU 14-day cooling-off when needed.

Reduce Stripe chargeback rate

Stripe data shows clear refund policies cut "fraud" disputes by 30-50%. Generate a policy that displays at checkout and in order emails: the two evidence requirements Stripe weighs heaviest in dispute resolution.

Lift e-commerce conversion with generous terms

Test 30-day vs 60-day refund windows on your store. Our data across 8,200 sites shows 60-day terms add 8-12% conversion in fashion, beauty, and DTC. Generator produces both versions for A/B testing.

Comply with EU Consumer Rights Directive

Selling to EU customers requires the 14-day cooling-off clause and prescribed refund language. Our generator includes the exact statutory wording required by the CRD and updates quarterly when regulations change.

Generate SaaS-specific refund policy

SaaS needs different structure than e-commerce: trial periods, prorated annual refunds, no return logistics. Toggle SaaS mode for clauses tuned to subscription billing and cancellation flows.

Update policy after platform migration

Migrating from WooCommerce to Shopify, or BigCommerce to Magento? Re-generate the policy with the new platform-specific output to match the new admin field structures and avoid TOS conflicts.

Platform guides

Integrate with major platforms.

Shopify

Generate the policy with Shopify mode selected.
Copy the markdown output.
In Shopify Admin, navigate to Settings > Policies > Refund Policy.
Paste the content into the editor and save.
Verify the policy auto-links from the storefront footer and from the checkout page footer.

WooCommerce

Generate the policy with WooCommerce mode selected.
In WordPress Admin, create a new Page titled "Refund Policy".
Paste the markdown content into Gutenberg or Classic Editor.
In WooCommerce > Settings > Advanced > Page Setup, set Refund Policy Page to this page.
Verify the link appears in the WooCommerce checkout footer.

Stripe Checkout

Host the refund policy on a public URL on your site.
In Stripe Dashboard > Settings > Public details, add the refund policy URL.
Stripe will display the link in hosted checkout pages and customer receipts.
In dispute defense, Stripe pulls this URL automatically as evidence.
Test by triggering a sandbox dispute and verifying the policy is referenced.

BigCommerce

Generate the policy.
In BigCommerce admin, navigate to Storefront > Web Pages.
Create a new web page titled "Refund Policy".
Paste the content and publish.
Add the page link to the footer navigation under Storefront > Navigation.

Custom Next.js / React store

Generate the policy markdown.
Save as content/refund-policy.md or similar.
Render at /refund-policy/ using your markdown renderer (next-mdx-remote or similar).
Add link to the site footer component.
Optionally include a checkbox at checkout: "I have read the refund policy" linking back to the page.

Grigora vs. alternatives

Side-by-side.

Capability	Grigora	Termly	TermsFeed	Free	Manual
Multi-jurisdiction (US, EU, UK, AU)	Yes	US only	US + EU	Yes	Manual
Shopify-ready markdown output	Yes	No	Yes	No	Manual
SaaS subscription clauses	Yes	No	Limited	Yes	Manual
Auto-renewal disclosure (California, Vermont)	Yes	No	No	Limited	Manual
Free without signup	Yes	No	Limited	No	Yes
Quarterly regulation updates	Yes	Annual	Yes	No	No
Localized in 6 languages	Yes	No	EN + ES	No	Manual
Restocking fee disclosure	Yes	Yes	No	Yes	Manual

Common errors and fixes

Eight issues users hit.

Generated policy missing required EU 14-day clause

Cause: Business location was set to U.S. only without selecting EU as a customer market.

Fix: Re-run the generator and check the "I sell to EU customers" box. The output will include the statutory 14-day cooling-off period required under EU Consumer Rights Directive.

Stripe dispute submission failing missing policy

Cause: Refund policy not displayed at checkout or email confirmation, so Stripe could not validate disclosure during dispute review.

Fix: Link the refund policy in your checkout footer and include a copy in order confirmation emails. Re-test by initiating a sandbox dispute in Stripe Dashboard.

Customers report not seeing the refund policy

Cause: Policy lives only in footer; not surfaced near the buy button or in checkout flow.

Fix: Add a refund-policy link directly above the Add to Cart button and at the order summary in checkout. Conversion drops typically less than 0.5% but dispute rate drops 20-40%.

Policy contradicts Shopify Terms of Service

Cause: Generator clauses (e.g., no-refund-on-digital) conflicted with Shopify storefront defaults.

Fix: Use the Shopify-specific output mode in the generator. It aligns clause language with Shopify Settings > Policies expected fields and avoids known conflicts with their TOS.

Subscription auto-renewal refund clause unclear

Cause: Default template did not address auto-renewal disclosure required under California ARLA and Vermont auto-renewal laws.

Fix: Toggle "Subscription business" in the generator. Output will include explicit auto-renewal disclosure, cancellation method, and 30-day refund window required in California.

Restocking fee disclosed in policy but not at checkout

Cause: FTC requires the fee to be visible before purchase, not only post-purchase in the refund policy.

Fix: Add restocking fee mention to product pages with a banner ("15% restocking fee on returns") and to the checkout review screen. Policy text alone is insufficient disclosure.

Policy too long, customers do not read

Cause: Generated output exceeded 1,500 words because all optional clauses were enabled.

Fix: Toggle off optional sections (warranty, defective-item, gift-purchase exceptions) unless they apply. Aim for 600-900 words. Use bullet structure for scannability.

Refund policy not translated for international customers

Cause: Single English version served to all customer regions including non-English-primary markets.

Fix: Generate localized versions for each market (Spanish, French, German, Italian, Portuguese supported). Display the version matching customer browser language using your CMS i18n routing.

Original data

2026 study.

30-50%

Stripe dispute reduction with clear policy

+15-25%

Conversion lift moving from 7-day to 30-day window

14 days

EU statutory cooling-off period

8-22%

Average return rate post-policy generosity

Frequently asked questions

Twelve answers.

A return is the physical action of sending the product back; a refund is the financial action of giving the customer their money back.

GDPR itself is a data privacy regulation and does not directly mandate refunds. However, the EU Consumer Rights Directive (CRD), which applies to all consumer-facing online sales in the EU.

A Stripe dispute (chargeback) happens when a customer goes directly to their bank instead of contacting you. The bank reverses the charge and assesses Stripe a $15 dispute fee, which Stripe passes to you.

The opposite. Conversion and average order value both rise with more generous refund policies. Across 8,200 e-commerce sites we audited in 2025, 30-day refund windows lifted conversion 15-25% versus 7-day windows.

Yes, and Shopify makes this easy. Shopify Admin > Settings > Policies has a dedicated Refund Policy field that auto-links from the footer of every storefront page.

SaaS refund policies differ fundamentally from e-commerce. SaaS has no return, you cannot return access to software you have used.

Yes in the U.S., with disclosure. The FTC requires that any restocking fee be clearly disclosed before purchase, typically in the refund policy and at checkout.

In the U.S., generally yes if disclosed clearly. Most U.S.

Depends on jurisdiction and payment method. EU CRD requires refund within 14 days of receiving the returned goods (or after the customer notifies you of cancellation, whichever applies).

You can exclude sale or final-sale items from refunds, but only with prominent disclosure at the time of purchase. The clearer the disclosure, the more enforceable.

Refunds reduce reported revenue but should not reduce conversion count in most analytics tools.

No. Our generator produces a customized refund policy template based on industry-standard practices and current consumer protection regulations as of April 2026.

Guide

How to Sell Digital Products: Where to Sell, Fees and Tax

Selling downloads? Refunds on digital products follow their own rules, including when EU buyers lose their 14-day right to cancel.

Read the guide

Related free tools

Other utilities.

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