decide.fyi

Deterministic subscription decision notaries for US consumers

One-Click Install

Buttons install the Refund Notary server. To add all 4 servers, use the JSON config below.

MCP Servers

Server	Domain	Tool	Verdicts
Refund Notary	refund.decide.fyi	refund_eligibility	ALLOWED / DENIED / UNKNOWN
Cancel Notary	cancel.decide.fyi	cancellation_penalty	FREE_CANCEL / PENALTY / LOCKED / UNKNOWN
Return Notary	return.decide.fyi	return_eligibility	RETURNABLE / EXPIRED / NON_RETURNABLE / UNKNOWN
Trial Notary	trial.decide.fyi	trial_terms	TRIAL_AVAILABLE / NO_TRIAL / UNKNOWN

All servers: 100 vendors, US region, individual plans, stateless, no auth, 100 req/min.

Quick Start

Connect via MCP (Claude Desktop / Windsurf / other clients)

{
  "mcpServers": {
    "refund-decide": { "url": "https://refund.decide.fyi/api/mcp" },
    "cancel-decide": { "url": "https://cancel.decide.fyi/api/mcp" },
    "return-decide": { "url": "https://return.decide.fyi/api/mcp" },
    "trial-decide":  { "url": "https://trial.decide.fyi/api/mcp" }
  }
}

REST API

# Refund eligibility
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"}'

# Cancellation penalty
curl -X POST https://cancel.decide.fyi/api/v1/cancel/penalty \
  -H "Content-Type: application/json" \
  -d '{"vendor":"adobe","region":"US","plan":"individual"}'

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

# Trial terms
curl -X POST https://trial.decide.fyi/api/v1/trial/terms \
  -H "Content-Type: application/json" \
  -d '{"vendor":"adobe","region":"US","plan":"individual"}'

Local Dev Checks

Start local dev server:

npx vercel dev

In a separate terminal:

# Handler-level smoke checks (no running server required)
npm run smoke

# MCP endpoint checks (requires vercel dev running on localhost:3000)
npm run mcp:check

# End-to-end workflow fixture (example -> result)
npm run workflow:test

---

Zendesk Workflow Orchestrators

Use workflow endpoints when you want one request to return:

• decision classification (yes | no | tie) from /api/decide
• policy result from the relevant notary endpoint
• recommended Zendesk action + tags + private note with request_id

Endpoints

• POST https://refund.decide.fyi/api/v1/workflows/zendesk/refund
• POST https://cancel.decide.fyi/api/v1/workflows/zendesk/cancel
• POST https://return.decide.fyi/api/v1/workflows/zendesk/return
• POST https://trial.decide.fyi/api/v1/workflows/zendesk/trial

Request

{
  "ticket_id": "ZD-9001",
  "workflow_type": "refund",
  "question": "Should this Adobe annual plan refund request proceed under policy?",
  "vendor": "adobe",
  "region": "US",
  "plan": "individual",
  "days_since_purchase": 5
}

For refund and return, include days_since_purchase.

Deterministic test mode

Set decision_override to bypass model classification during fixtures and CI:

{
  "decision_override": "yes"
}

Response (example)

{
  "ok": true,
  "flow": "zendesk_refund_v1",
  "ticket_id": "ZD-9001",
  "decision": { "c": "yes", "request_id": "req_123" },
  "policy": { "verdict": "ALLOWED", "code": "WITHIN_WINDOW" },
  "action": {
    "type": "approve_refund",
    "zendesk_tags": ["decide", "decide_yes", "refund_allowed"]
  }
}

---

Refund Notary

Endpoint: POST https://refund.decide.fyi/api/v1/refund/eligibility MCP Tool: refund_eligibility

Checks if a subscription purchase is within the vendor's refund window.

Input: vendor, days_since_purchase, region, plan

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

Codes: WITHIN_WINDOW, OUTSIDE_WINDOW, NO_REFUNDS, UNSUPPORTED_VENDOR

Cancel Notary

Endpoint: POST https://cancel.decide.fyi/api/v1/cancel/penalty MCP Tool: cancellation_penalty

Checks cancellation penalties — early termination fees, contract locks, or free cancellation.

Input: vendor, region, plan

{"verdict":"PENALTY","code":"EARLY_TERMINATION_FEE","message":"adobe charges an early termination fee: 50% of remaining months on annual plan.","vendor":"adobe","policy":"etf"}

Codes: NO_PENALTY, EARLY_TERMINATION_FEE, CONTRACT_LOCKED, UNSUPPORTED_VENDOR

Return Notary

Endpoint: POST https://return.decide.fyi/api/v1/return/eligibility MCP Tool: return_eligibility

Checks if a subscription purchase can be returned/reversed, with return type and method.

Input: vendor, days_since_purchase, region, plan

{"returnable":true,"verdict":"RETURNABLE","code":"FULL_RETURN","message":"Return is available. Purchase is 5 day(s) old, within 14-day window.","vendor":"adobe","return_type":"full_refund","method":"self_service"}

Codes: FULL_RETURN, PRORATED_RETURN, CREDIT_RETURN, OUTSIDE_WINDOW, NO_RETURNS, UNSUPPORTED_VENDOR

Trial Notary

Endpoint: POST https://trial.decide.fyi/api/v1/trial/terms MCP Tool: trial_terms

Checks free trial availability, length, card requirement, and auto-conversion status.

Input: vendor, region, plan

{"verdict":"TRIAL_AVAILABLE","code":"AUTO_CONVERTS","message":"adobe offers a 7-day free trial. Credit card required. Auto-converts to paid plan.","vendor":"adobe","trial_days":7,"card_required":true,"auto_converts":true}

Codes: AUTO_CONVERTS, NO_AUTO_CONVERT, TRIAL_NOT_AVAILABLE, UNSUPPORTED_VENDOR

---

Supported Vendors (100)

Vendor	Identifier	Refund	Cancel	Return	Trial
1Password	1password	No refunds	Free	No return	14d
Adobe	adobe	14d	ETF	14d full	7d
Amazon Prime	amazon_prime	3d	Free	3d full	30d
Apple App Store	apple_app_store	14d	Free	14d full	-
Apple Music	apple_music	No refunds	Free	No return	30d
Apple TV+	apple_tv_plus	No refunds	Free	No return	7d
Audible	audible	No refunds	Free	No return	30d
Bitwarden	bitwarden	30d	Free	30d full	7d
Bumble	bumble	No refunds	Free	No return	7d
Calm	calm	30d	Free	30d full	7d
Canva	canva	No refunds	Free	No return	30d
ChatGPT Plus	chatgpt_plus	No refunds	Free	No return	-
Claude Pro	claude_pro	No refunds	Free	No return	-
Coursera Plus	coursera_plus	14d	Free	14d full	7d
Crunchyroll	crunchyroll	No refunds	Free	No return	7d
Deezer	deezer	No refunds	Free	No return	30d
Disney+	disney_plus	No refunds	Free	No return	-
DoorDash DashPass	doordash_dashpass	No refunds	Free	No return	30d
Dropbox (US)	dropbox_us	No refunds	Free	No return	30d
Duolingo	duolingo	No refunds	Free	No return	14d
Evernote	evernote	20d	Free	20d full	14d
ExpressVPN	expressvpn	30d	Free	30d full	7d
Figma	figma	No refunds	Free	No return	30d
Fubo TV	fubo_tv	No refunds	Free	No return	7d
GitHub Pro	github_pro	No refunds	Free	No return	-
Google Play	google_play	2d	Free	2d full	-
Grammarly	grammarly	No refunds	Free	No return	7d
Headspace	headspace	No refunds	Free	No return	7d
HelloFresh	hellofresh	No refunds	Free (5d notice)	No return	-
Hinge	hinge	No refunds	Free	No return	7d
Hulu	hulu	No refunds	Free	No return	30d
iCloud+	icloud_plus	14d	Free	14d full	-
Instacart+	instacart_plus	5d	Free	5d full	14d
LinkedIn Premium	linkedin_premium	7d	Free	7d full	30d
MasterClass	masterclass	30d	Free	30d full	-
Max (HBO)	max	No refunds	Free	No return	-
Microsoft 365	microsoft_365	30d	Free	30d full	30d
Midjourney	midjourney	No refunds	Free	No return	-
Netflix	netflix	No refunds	Free	No return	-
Nintendo Switch Online	nintendo_switch_online	No refunds	Free	No return	7d
Noom	noom	14d	Free	14d full	7d
NordVPN	nordvpn	30d	Free	30d full	7d
Notion	notion	3d	Free	3d full	-
Paramount+	paramount_plus	No refunds	Free	No return	7d
Peacock	peacock	No refunds	Free	No return	7d
Peloton	peloton	No refunds	Free	No return	30d
PlayStation Plus	playstation_plus	14d	Free	14d prorated	14d
Scribd	scribd	30d	Free	30d full	30d
Shutterstock	shutterstock	No refunds	ETF	No return	30d
Slack	slack	No refunds	Free	Credit	90d
Sling TV	sling_tv	No refunds	Free	No return	-
Spotify	spotify	No refunds	Free	No return	30d
Squarespace	squarespace	14d	Free	14d full	14d
Strava	strava	14d	Free	14d full	30d
Surfshark	surfshark	30d	Free	30d full	7d
Tidal	tidal	No refunds	Free	No return	30d
Tinder	tinder	No refunds	Free	No return	-
Todoist	todoist	30d	Free	30d full	30d
Twitch	twitch	No refunds	Free	No return	-
Walmart+	walmart_plus	No refunds	Free	No return	30d
Wix	wix	14d	Free	14d full	14d
Xbox Game Pass	xbox_game_pass	30d	Free	30d full	14d
YouTube Premium	youtube_premium	No refunds	Free	No return	30d
Zoom	zoom	No refunds	Free	No return	-

Scope: US region, individual plans only.

Data Freshness

Policies are sourced from official vendor documentation and terms of service.

• Daily automated checks — GitHub Action runs at 08:00 UTC, hashing vendor policy pages across all 4 services (refund, cancel, return, trial). If a page changes, an issue is opened for review.
• Policy source URLs tracked — Each service has its own sources file in rules/ linking to official policy pages.
• Compliance export — GET /api/compliance-export returns a CSV snapshot of tracked sources, hashes, and pending candidate changes (?format=json for machine-readable output).
• Versioned rules — Each rules file includes a rules_version field for staleness detection.

Architecture

• Stateless — No database, no sessions, no side effects
• Deterministic — Same input always produces same output
• Versioned Rules — Rules files include version for tracking changes
• Daily Monitoring — GitHub Action checks all vendor policy pages daily
• Serverless — Runs on Vercel serverless functions
• Zero Dependencies — Core compute logic has no external dependencies
• Hostname Routing — Vercel middleware routes subdomains to correct MCP endpoints

Limitations

• US Only — Currently only supports US region
• Individual Plans Only — Business/enterprise plans not yet supported
• Calendar Days — Windows are based on calendar days, not business days
• Static Rules — Does not account for promotional offers or special circumstances

Changelog

Unreleased

Added:

• GET /api/compliance-export endpoint for policy monitoring evidence export (CSV default, JSON via ?format=json).
• Smoke test coverage for compliance export JSON and CSV paths.

v1.2.1 (2026-02-08)

Changed:

• Subdomain homepage now shows the relevant notary card (refund/cancel/return/trial).
• Version metadata is consistent across server.json, MCP initialize, and /.well-known/*.

v1.2.0 (2026-02-02)

Added:

• Cancel Notary MCP (cancel.decide.fyi) — cancellation penalty checker
• Return Notary MCP (return.decide.fyi) — return eligibility checker
• Trial Notary MCP (trial.decide.fyi) — free trial terms checker
• Hostname-based middleware routing for all subdomains
• Policy source files and daily checking for cancel, return, and trial policies
• Humans/Agents mode toggle on landing page
• MCP catalog with cards for all 4 servers

Fixed:

• Daily policy checker: added contents:write permission and fixed shell logic
• Removed dead Cloudflare email-decode scripts causing 404s

v1.1.0 (2026-02-01)

Added:

• Expanded from 64 to 100 supported vendors
• Daily policy-check GitHub Action (cron at 08:00 UTC)
• Policy source URLs tracked in rules/policy-sources.json
• MCP vendor enum in inputSchema for agent discoverability

Fixed:

• ERR_IMPORT_ATTRIBUTE_MISSING crash on Vercel (Node 22 import attributes)

v1.0.0 (2026-01-15)

Added:

• Initial release with REST API and MCP server
• Support for 9 vendors

Free API (Default: No Auth)

All 4 policy servers are free to use. No authentication. No API keys.

/api/decide is public by default, and can be protected by setting DECIDE_API_KEY in server env vars.

If you run decide behind the decidesite proxy with dynamic customer keys, also set:

• DECIDE_PROXY_SHARED_TOKEN: shared secret required in x-decide-proxy-token header for trusted proxy calls.
• DECIDE_API_KEY: backend internal key that the trusted proxy forwards upstream (recommended to keep backend private).

Rate limit: 100 requests/minute per IP.

Policy Fetch Hook (for policy checker browser-hook lane)

Use POST /api/policy-fetch-hook as a fetch adapter for the daily checker when direct fetches are blocked.

Request body:

{
  "url": "https://example.com/policy",
  "vendor": "example_vendor",
  "policy_type": "refund",
  "timeout_ms": 18000
}

Auth:

• Authorization: Bearer <POLICY_CHECK_BROWSER_HOOK_TOKEN> or x-hook-token: <token>

Server env:

• POLICY_CHECK_BROWSER_HOOK_TOKEN (required for endpoint auth)
• POLICY_FETCH_BROWSERLESS_TOKEN (optional; enables browserless render first)
• POLICY_FETCH_BROWSERLESS_CONTENT_URL (optional override; default https://chrome.browserless.io/content)
• POLICY_FETCH_ALLOWED_HOSTS (optional comma-separated host allowlist)

Checker (GitHub Actions, repo decide):

• Secret POLICY_CHECK_BROWSER_HOOK_URL = deployed endpoint URL (example: https://decide-1.vercel.app/api/policy-fetch-hook)
• Secret POLICY_CHECK_BROWSER_HOOK_TOKEN = same token as runtime env
• Variable POLICY_CHECK_FETCH_LANES_DEFAULT = browser_hook,direct,zendesk_api,mirror

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

Links

• Website: https://decide.fyi
• Refund: https://refund.decide.fyi
• Cancel: https://cancel.decide.fyi
• Return: https://return.decide.fyi
• Trial: https://trial.decide.fyi
• X/Twitter: @decidefyi
• MCP Spec: https://modelcontextprotocol.io

---

Built with love by the decide.fyi team