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: 64 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 (64)

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.
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

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 9 to 64 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 (No Auth)

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

Rate limit: 100 requests/minute per IP.

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

Name		Name	Last commit message	Last commit date
Latest commit History 501 Commits
.github/workflows		.github/workflows
api		api
client		client
lib		lib
public		public
rules		rules
scripts		scripts
.env.example		.env.example
.gitignore		.gitignore
DISTRIBUTION.md		DISTRIBUTION.md
README.md		README.md
SECURITY.md		SECURITY.md
middleware.js		middleware.js
package.json		package.json
server.json		server.json
vercel.json		vercel.json

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decide.fyi

One-Click Install

MCP Servers

Quick Start

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

REST API

Local Dev Checks

Zendesk Workflow Orchestrators

Request

Deterministic test mode

Response (example)

Refund Notary

Cancel Notary

Return Notary

Trial Notary

Supported Vendors (64)

Data Freshness

Architecture

Limitations

Changelog

v1.2.1 (2026-02-08)

v1.2.0 (2026-02-02)

v1.1.0 (2026-02-01)

v1.0.0 (2026-01-15)

Free API (No Auth)

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Contributors 3

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decidefyi/decide

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Repository files navigation

decide.fyi

One-Click Install

MCP Servers

Quick Start

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

REST API

Local Dev Checks

Zendesk Workflow Orchestrators

Request

Deterministic test mode

Response (example)

Refund Notary

Cancel Notary

Return Notary

Trial Notary

Supported Vendors (64)

Data Freshness

Architecture

Limitations

Changelog

v1.2.1 (2026-02-08)

v1.2.0 (2026-02-02)

v1.1.0 (2026-02-01)

v1.0.0 (2026-01-15)

Free API (No Auth)

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About

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