Refund tools

Both tools run entirely in your browser — no sign-up, and nothing you type leaves your device.

Decision Tool

Refund Decision Tool

Which route — platform refund, consumer law, or chargeback? Get a step-by-step action plan.

Open decision tool →

Refund Eligibility Checker

Enter your purchase details to estimate whether a refund is likely under the platform’s standard policy.

Platform

Days since purchase

Hours played

Result

Likely eligible — within 14 days and under 2 hours

Inside the 14-day window and under the 2-hour playtime cap.

Submit through the official refund flow; approvals are usually quick.

Estimate only — confirm with Steam (Valve).

Playtime-window Calculator

Track your hours against the common 2-hour refund benchmark used by Steam, Xbox, and Epic.

Hours played

Result

Under the 2-hour rule

Playtime entered1.5 h

2-hour benchmark2.0 h

You have about 30 minutes of playtime left before hitting the 2-hour refund benchmark.

United States tools

U.S.-specific calculators and generators. These turn federal chargeback rights, your state’s consumer-protection office, and minor-purchase rules into something you can act on.

U.S. Chargeback Deadline Calculator

Under the Fair Credit Billing Act, you generally have 60 days from the statement date the charge first appeared to dispute it with your card issuer. Enter that date to see your deadline.

Statement date (charge first appeared)

Not sure of the statement date? Use the purchase date as a close approximation, then confirm against your card statement.

Your window

Enter a statement date to calculate.

U.S. State Refund-Rights Lookup

Pick your state and what you bought. There is no state “digital game refund law” — this shows the real levers: your federal chargeback right and your state’s consumer-protection office.

State

What did you buy?

Your levers in California

AG consumer officeCalifornia Attorney General

State UDAP statuteCal. Civ. Code § 1770 (CLRA) / Bus. & Prof. Code § 17200 (UCL)

Small-claims limit$12,500

Federal leverage (all states)

Start with the store’s own policy — see the California platform pages for the exact window and non-refundable cases.
The Fair Credit Billing Act (FCBA, implemented by Federal Reserve Regulation Z) gives you up to 60 days from the statement date on which a charge first appeared to dispute it with your card issuer — including "goods not as described" or a charge you did not authorize. This sits outside any store’s refund policy.
If the charge was unauthorized or the game was for a child, reverse it through your card issuer and use the platform’s parental-refund process.

Next steps for a full game purchase

For a refused refund on a full game purchase, your state lever is the California Attorney General consumer-protection office (Cal. Civ. Code § 1770 (CLRA) / Bus. & Prof. Code § 17200 (UCL)). File a complaint if the denial involved a misdescription or deceptive practice.
Small-claims court is a last resort for sums the store refuses: California’s limit is about $12,500 ($12,500 for individuals; $6,250 if you are a business/entity.).

No U.S. state has a blanket “digital game refund law” — these levers sit on top of store policy, not instead of it.

Account-Ban Appeal Generator (U.S.)

Build a tailored, printable appeal letter. Add your state to append an AG-escalation note. Edit the draft before sending — it is a starting point, not legal advice.

Platform

Reason for the action

State (optional — for AG note)

Account / Gamertag (optional)

Draft appeal letter

Subject: Account appeal — [Your Name]

To the Steam (Valve) Enforcement / Support Team,

My Account / Gamertag: [your ID]. I am writing to respectfully request a review of the recent enforcement action.

I am writing to appeal because the enforcement appears to stem from an anti-cheat or cheat detection that I believe is a false positive. I have not used unauthorized third-party software, and I believe this is a false positive. I respectfully request a manual review of the telemetry/logs associated with my account and ask that any automated flag be reconsidered.

I have attached/relevant evidence: [screenshots, purchase receipts, error codes, dates]. I value my account and the time invested in it, and I am committed to the platform’s standards.

Thank you for your time and consideration.

Sincerely,
[Your Name]

Tip: replace the brackets, attach evidence (receipts, screenshots, error codes), and submit through the platform’s official appeal channel.

Minor-Purchase Refund Estimator

For unauthorized spending by a child, your strongest route is a card-issuer reversal (and COPPA for under-13). Enter the details to see the path.

Child’s age

Platform

Amount (USD)

Parent authorized this purchase?

Recommended path

Under-13: COPPA + issuer reversal

Under-13 spend is the strongest case: COPPA plus card-issuer unauthorized-transaction rules support reversing the charge.

Steps

For purchases made by a child under 13, the Children’s Online Privacy Protection Act (COPPA) plus card-issuer unauthorized-transaction rules are your strongest path: request a reversal of the unauthorized charge and, for persistent in-game spending, pursue a refund through the platform’s parental-refund process.
Contact Steam (Valve)’s parental-refund / unauthorized-purchase process with proof the account holder is under 13.
Open a dispute with your card issuer for the unauthorized transaction (FCBA 60-day window if on a credit card; debit cards have shorter issuer timelines).
If the platform refuses and the charge was unauthorized, the CFPB complaint portal and your state AG consumer office are escalation points.
For context: small-claims limits vary by state ($2,500–$25,000) — usually not worth it for a single game, but relevant for large in-game spending.

Document everything (dates, amounts, the child’s account). Act quickly — card-issuer unauthorized-transaction windows are short.