Generate a professional refund and return policy for your Shopify, WooCommerce, or Etsy store in 60 seconds. Covers return windows, digital products, international orders, and more. 100% free, no signup.
No paywalls. No subscriptions. Just instant, professional legal documents.
Select Shopify, WooCommerce, or Etsy and get platform-appropriate language that matches your store's checkout flow and customer expectations.
If you sell to EU customers, our generator automatically includes the mandatory 14-day statutory cooling-off period required by EU Consumer Rights Directive.
Toggle digital product no-refund clauses, personalized item exclusions, and defective item provisions — all the nuances that protect your business.
Everything you need to know about Refund Policies
It's not just about being nice to customers. Your payment processor and your bank account depend on it.
Most e-commerce businesses think of a refund policy as customer service documentation. It's that, sure. But it's also a financial protection mechanism, a legal requirement in many jurisdictions, and a requirement for keeping your payment processing accounts in good standing. A missing or bad refund policy can cost you in ways that have nothing to do with actual refunds.
Every chargeback costs you between $15 and $100 in fees depending on your payment processor. Stripe charges $15 per dispute. PayPal charges $20. But the bigger problem is your chargeback ratio. If your dispute rate exceeds 1% of transactions, Visa and Mastercard place you on a monitoring program. Exceed their thresholds long enough and your payment processing account gets terminated. A clear refund policy that customers can actually find and understand is one of the most effective ways to prevent chargebacks.
On the legal side, the EU's Consumer Rights Directive gives online shoppers an unconditional 14-day right of withdrawal on most purchases. You cannot contract out of this. If an EU customer asks for a refund within 14 days of receiving a physical product, you must give it, full stop. In the US, the FTC has rules about mail and telephone order merchandise that require you to ship within the time you advertised, notify customers of delays, and offer refunds when you can't fulfill. Many individual states also have their own minimum return requirements.
Then there are the platform requirements. Shopify Payments requires merchants to have a refund policy. PayPal's seller protection program requires one. If you want to run ads on Google Shopping, your store needs a visible return policy. Amazon requires it for third-party sellers. And when customers can't find your refund policy, their first instinct isn't to email you. It's to call their bank and file a dispute. Every chargeback you prevent with a clear, findable refund policy is $15 to $100 saved.
A good refund policy actually increases conversion rates. Studies by the Wharton School and several e-commerce analytics firms consistently show that a clear, generous return policy increases purchase confidence, especially for first-time customers. Free returns and long windows correlate with higher average order values. Being upfront about what happens if something goes wrong makes people more willing to risk buying in the first place.
Any e-commerce store, SaaS product, digital download seller, or service provider who accepts payment online. If you take money, you need a refund policy.
Higher chargeback rates, payment processor account risk, EU consumer law violations, lost Google Shopping eligibility, and customers who can't find your policy and file disputes instead of emailing you.
Fewer chargebacks, higher conversion rates, payment processor compliance, and customers who trust you enough to complete their first purchase.
Every clause your store needs, from eligibility windows to non-refundable items.
Your return window (30, 60, or 90 days from delivery), clearly stated so customers know exactly how long they have to initiate a return.
Items must be unused, in original packaging, with tags attached (where applicable). Clear condition requirements prevent disputes about whether a return qualifies.
Specific rules for ebooks, software licenses, online courses, and downloadable files, including when refunds are available and when they aren't once access has been granted.
Step-by-step instructions for starting a return: contact method, what information to include, and what the customer should expect to happen next.
How long refunds take to process (typically 3 to 10 business days after receiving the return), and how the refund is issued: original payment method, store credit, or check.
If you offer exchanges in addition to refunds, this section explains the process, including how size or color swaps work and whether exchanges are free or involve additional shipping costs.
Specific categories that can't be returned: perishables, personalized items, intimate apparel, hazardous materials, and items marked final sale at time of purchase.
Whether sale or clearance items are eligible for refunds or exchanges. Most stores make sale items final sale, and this section makes that clear before purchase.
Who pays for return shipping: customer-paid, prepaid label provided, or free returns. For defective or incorrect items, the policy clarifies you cover return shipping regardless.
The questions e-commerce store owners actually ask
Your refund policy shouldn't cost more to generate than your first return.
| Feature | FreeTOS | Termly | TermsFeed |
|---|---|---|---|
| Price | Free | $14/mo | $9/mo |
| No Signup Required | Yes | No | No |
| PDF Download | Free | Paid | Paid |
| EU 14-Day Withdrawal Coverage | Yes | Yes | Yes |
| Digital Products Clause | Yes | Yes | Yes |
| Non-Refundable Items Section | Yes | Yes | Yes |
| AI-Tailored Output | Yes | Template | Template |
Where it needs to go, and how to make sure customers actually see it before they buy.