OffRamp

Idea

A drop-in, state-aware cancellation compliance layer for Stripe-billed subscription businesses. OffRamp sits in front of a company's existing Stripe Billing subscriptions, detects the customer's state, renders the legally required disclosure and consent language for that state, and lets the customer cancel in one click, while logging a timestamped audit trail the company can hand to a regulator or a plaintiff's lawyer. No re-platforming off Stripe required.

Market gap

A patchwork of state "click to cancel" and auto-renewal laws (California's ARL, New York's amended GBL 527/527-A effective November 5, 2025, Colorado, and NYC's own rule effective October 1, 2026) now requires that canceling be at least as easy as signing up, with specific disclosure, consent, and reminder-notice rules that differ state by state. The federal FTC rule that would have unified this was vacated by the Eighth Circuit in July 2025, so the states are the enforcement front line right now, and the FTC itself restarted rulemaking in January 2026 signaling more federal pressure is coming. Meanwhile, most subscription businesses still bill directly through Stripe Billing (300,000+ businesses, per Stripe) without switching to a full subscription-commerce platform, so they have no built-in multi-state compliance engine. The companies that do build "cancellation flow" tools (ProsperStack, Churnkey, Brightback/Chargebee Retention) optimize for saving the customer with multi-step offer screens, which is the exact pattern regulators are now suing over. Timing is right now because enforcement just went from theoretical to expensive and public.

Total Addressable Market (TAM)

Bottom-up:

• Stripe Billing serves more than 300,000 businesses globally (Stripe newsroom, cited via chargeflow.io and redstagfulfillment.com, 2026).
• Assume roughly 35% are US-based (Stripe's home market and largest concentration of customers): about 105,000 US businesses. Assumption, not a published Stripe breakout.
• Assume roughly 60% sell recurring plans to individual consumers or prosumers (subject to state auto-renewal laws) rather than pure enterprise-invoiced B2B contracts: about 63,000 businesses. Assumption based on the mix of SaaS, media, fitness, and DTC subscription products Stripe Billing is known to serve.
• TAM = 63,000 businesses x $3,000 average annual contract value (blended across tiers below) = approximately $189M/year.

SAM: narrow to businesses with enough scale to justify paid compliance tooling, roughly the top third by subscriber volume: about 21,000 businesses x $3,000 = approximately $63M/year.

SOM: a 1 to 3 person team capturing 1.5% of SAM within three years: about 315 customers x $3,000 = approximately $945K ARR. That is the realistic early target, not the TAM.

Monetization strategy

Recurring SaaS subscription paid by the merchant (the subscription business), billed monthly through Stripe, priced by active managed subscriptions rather than seats. Merchants keep paying because the cost of not paying is asymmetric: FTC penalties reach $51,744 per violation, and the tool doubles as ongoing insurance against a constantly shifting multi-state rulebook that no single ops or legal hire can track alone.

Pricing strategy

• Starter, $199/mo: up to 1,000 active managed subscriptions, CA/NY/CO/NYC disclosure templates, one-click compliant cancel widget, audit log export. Entry point for bootstrapped and early-stage SaaS.
• Growth, $499/mo: up to 10,000 active managed subscriptions, all covered states, one non-blocking save-offer screen, weekly AI-generated regulatory change digest. This is the anchor tier: it matches the subscriber volume and risk profile of the median target customer.
• Scale, $999/mo and up (usage-based above the included volume): unlimited managed subscriptions, custom-branded disclosure flows, SOC2-ready audit exports, priority rule updates, dedicated support channel. Anchor for larger subscription businesses treating this as fine-avoidance insurance at scale.

Lead magnet

A free, no-signup "State Auto-Renewal Compliance Checker": the visitor pastes their cancellation flow URL or answers a short questionnaire (number of clicks and screens to cancel, whether a phone call or offer screen is required, which states they sell into), and gets an instant risk report scored against the CA, NY, CO, and NYC rules with specific violations flagged, for example "no direct cancel link found" or "4+ screens before cancel is reachable." This mirrors the exact fact pattern the FTC used against Uber and Chegg, so it lands with immediate, concrete stakes.

Social proof that the problem exists

1. FTC v. Chegg, $7.5M settlement, September 2025: the FTC found Chegg had charged nearly 200,000 consumers after they requested cancellation, with a cancellation process "buried" and requiring multiple clicks. https://www.ftc.gov/news-events/news/press-releases/2025/09/ed-tech-provider-chegg-pay-75-million-settle-ftc-allegations-concerning-unlawful-cancellation
2. FTC and 21 states plus DC v. Uber, amended complaint, December 2025: alleges consumers had to navigate up to 23 screens and take up to 32 actions to cancel Uber One. https://www.ftc.gov/news-events/news/press-releases/2025/12/ftc-states-file-amended-complaint-against-uber-deceptive-billing-cancellation-practices
3. NYC's own "Click to Cancel" rule takes effect October 1, 2026, adding a local requirement on top of state and federal rules, direct from the city government. https://www.nyc.gov/main/click-to-cancel
4. Recharge, a subscription commerce platform, publishes a support article walking merchants through California ARL compliance defaults, evidence that merchants are actively asking vendors how to comply. https://support.getrecharge.com/hc/en-us/articles/6600815298327-Automatic-Renewal-Law-ARL-and-Recharge
5. Skio, a competing subscription platform, publishes a help doc specifically on "Complying with California, New York State & FTC Click-to-Cancel Rules," further evidence vendors see this as a live customer need, not a hypothetical one. https://help.skio.com/docs/complying-with-california-new-york-state-ftc-clicktocancel-rules

Competitors

• Recharge: Shopify-native subscription commerce platform with built-in CA ARL-compliant cancel defaults.
• Skio: Shopify-native subscription platform with a published compliance guide for CA/NY/FTC rules.
• Chargebee: enterprise subscription billing platform with a configurable self-serve cancellation portal and a published NY compliance checklist.
• ProsperStack, Churnkey, and Brightback (now Chargebee Retention): drop-in cancellation-flow widgets built for retention, not compliance.
• Stripe Billing's native customer portal: a basic self-serve cancel button with no compliance logic layered on top.

What competitors offer now

Recharge and Skio require full re-platforming onto their subscription commerce stack, are Shopify-only, and are built for ecommerce, not SaaS products billed through Stripe. Chargebee offers a configurable self-serve portal (immediate, end-of-term, or customer-choice cancellation) and manual compliance checklists for merchants to implement themselves, but no automatic state detection or defensible audit trail as a shipped feature. ProsperStack, Churnkey, and Brightback intercept cancellation with reason surveys, pause options, and targeted save offers across multiple screens, exactly the multi-step pattern the FTC cited against Uber. Stripe Billing's own customer portal lets a customer cancel with one click but has zero state-awareness, no jurisdiction-specific disclosure or consent text, and no audit log a company could hand to a regulator.

What can be done differently to attract customers

Position OffRamp as a drop-in layer for the 105,000+ US businesses already on Stripe Billing that have no interest in switching billing platforms just to fix their cancel flow. Lead with compliance and legal defensibility (the audit trail), not retention, so it is a complement to a company's existing save-offer strategy rather than a replacement, and it is compliant by construction (a save offer is never allowed to block the one-click cancel path). Use the free compliance risk checker to generate inbound leads from the exact ops, legal, and RevOps people currently reading law firm alerts about Chegg and Uber and wondering if they are next.