If you turn on Auto Recharge, OpenRouter will automatically charge your payment method whenever your credit balance drops below a threshold you set, without asking you each time.
This analysis describes what OpenRouter's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The terms authorize recurring automatic charges under the Auto Recharge feature; users who enable this setting should monitor their threshold settings, as charges occur automatically and each new purchase starts a new 24-hour refund window.
The Auto Recharge feature authorizes OpenRouter to initiate charges to the user's stored payment method automatically when credits fall below a user-defined threshold; each auto-recharge transaction is subject to the same 24-hour refund window and platform fee non-refundability.
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"When purchasing Credits, you will have the option to automatically add Credits to your account by charging the payment method of your choosing when your available Credits are below a threshold amount you have set on your account ("Auto Recharge"). If you elect the Auto Recharge option, you authorize OpenRouter to automatically charge payments to your account. You may update or cancel Auto Recharge at any time through your account page.— Excerpt from OpenRouter's OpenRouter Terms of Service
(1) REGULATORY LANDSCAPE: Automatic recurring charges engage the FTC's guidelines on negative option marketing and recurring billing disclosures. California's Automatic Renewal Law requires specific disclosures and cancellation mechanisms for auto-renewing charges. NACHA rules and card network regulations may also apply to recurring payment authorizations. (2) GOVERNANCE EXPOSURE: Medium. The terms state users can cancel Auto Recharge at any time through their account page, which provides a cancellation mechanism. However, the threshold-triggered nature of the charge (rather than a fixed billing date) may complicate compliance with recurring billing disclosure requirements in some jurisdictions. (3) JURISDICTION FLAGS: California's Automatic Renewal Law and similar statutes in other US states impose specific disclosure and consent requirements for auto-renewing charges. EU/EEA payment services regulations (PSD2) impose strong customer authentication and consent requirements for recurring payment mandates. (4) CONTRACT AND VENDOR IMPLICATIONS: Enterprise accounts using Auto Recharge should ensure that the payment authorization is documented within their internal procurement controls. The terms note that Stripe and Coinbase process payments; their respective stored payment authorization terms also apply. (5) COMPLIANCE CONSIDERATIONS: Legal teams should confirm that the Auto Recharge enrollment flow includes the disclosures required by applicable automatic renewal laws, particularly for California-based users. Organizations deploying OpenRouter at scale through organizational accounts should review whether auto-recharge authorizations are appropriately scoped and documented.
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The terms authorize recurring automatic charges under the Auto Recharge feature; users who enable this setting should monitor their threshold settings, as charges occur automatically and each new purchase starts a new 24-hour refund window.
The Auto Recharge feature authorizes OpenRouter to initiate charges to the user's stored payment method automatically when credits fall below a user-defined threshold; each auto-recharge transaction is subject to the same 24-hour refund window and platform fee non-refundability.
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