Pilot standard tier
Contract floors for pilot merchants, stated in the same language our implementation and legal review gates enforce.
Pilot merchants start on the standard tier with one public contract floor for throughput, uptime, fees, and refund issuance.
This is not insurance. Claimful is a merchant-funded refund-protection service.
40% merchant / 40% reserve / 20% platform
No setup fee. No monthly minimum. No per-claim charge.
Up to 1,000 req/min aggregate per merchant; subject to per-IP and WAF anti-abuse limits documented in API reference. Distribute traffic across egress IPs to maximize throughput.
| Path group | Public floor | Notes |
|---|---|---|
| Merchant API strict paths | 1,000 req/min aggregate per merchant | Subject to per-IP and WAF anti-abuse limits |
| Try-it-out demo key | 30 req/min per IP | Read-only documentation surface |
| Portal lookup | 10 req/min per IP | Token lookup protection |
| Lead intake | 20 req/min per IP | Marketing HMAC required |
99.9% monthly uptime per service. Error budget: 43 min 49 sec/month. Measurement via synthetic probes from at least 3 geographic regions every 60 seconds. Service credits apply per the schedule below.
| Monthly uptime | Service credit | Notes |
|---|---|---|
| 99.0% - 99.9% monthly uptime | 10% service credit | Applied to affected monthly platform fees |
| 95.0% - 99.0% monthly uptime | 25% service credit | Applied to affected monthly platform fees |
| Below 95.0% monthly uptime | 50% service credit | Applied to affected monthly platform fees |
Approved refund requests are issued via Stripe Refund within hours of approval. Funds typically reach your bank in 3-5 business days, depending on your card issuer. Per Consumer Contract Part IV.C, refund issuance occurs within 30 days of approval.
Target after Phase 2 calibration; pilot Phase 1 claims process via human review
Phase 2 = AI auto-approval lane activated after calibration gates per our self-learning claims-triage system.
Claimful maintains a protection-fee reserve from collected protection fees. At pilot scale, reserve plus balance-sheet backstop covers approved refund requests. CLIP backstop coverage activates at scale per Merchant Schedule.
Up to 99% chargeback reduction observed in pilot cohorts where Claimful was active for eligible transactions; results vary by merchant mix, checkout volume, dispute category, and implementation completeness.
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