This is how I handled it. As for auto renew, I have it where all saas subscriptions by default are auto-renew. 1) On credit card submit, I had a checkbox at s

This is how I handled it. As for auto renew, I have it where all saas subscriptions by default are auto-renew. 1) On credit card submit, I had a checkbox at sign-up NOT checked by default. Also right next to it was a link to the terms of service they can read. 2) On billing confirmation e-mails, I put a link where they can change their plan or cancel. Now here are a couple particular scenarios I've handled + Several customers called in the second month being very surprised they got charged as they thought it was a one time fee and not a saas subscription. In both cases, they e-mailed or called me directly. I told them I could refund their last month's charge and cancel their account. + I had one chargeback, but it was a generally unhappy customer. I let that chargeback go through, and e-mailed the client apologizing and mentioning I would not challenge the chargeback. ---Chargebacks Now in the general case of chargebacks, you can defend against them (I use Braintree Payments who have been awesome in guiding me through the process), if you generally do the following 1) State exactly what your refund policy is in your tos. For me, I have a 'we refund your last month for any reason'. 2) Keep track of your billing e-mails. If the client files a chargeback, the bank will check to see if the payment has been monthly. If the bank sees it is a monthly bill, there is a very low chance of them winning the chargeback. tldr; Make your tos policies as transparent as possible.