One refund program
for everything the season offers.
Ski resorts, golf, outdoor recreation, youth sports. Members get the freedom to buy in and change plans without losing protection. Operators get an intact season, a stronger brand experience, and new revenue, fully managed end to end.
That's volatility a protection program turns into revenue.1
The purchase happens months
before the season.
Passes and memberships get purchased long before anyone knows what the season will actually look like, and the numbers show why that matters.
U.S. ski visits in 2024-25, the second-highest total on record.1
The average private club initiation fee has climbed to roughly $60,000, up 72% since 2019.2
Families now spend $1,016 a year on a child's primary sport, up 46% since 2019.3
Rigid refund terms don't just annoy buyers, they lose the sale, and that loss never shows up in a report the way an abandoned cart does. Here's what actually complicates the decision:
- What complicates the decision
- 01Annual dues, equipment, uniforms, all options can be bundled into one membership
- 02A season or year that starts months after the purchase, with assurances for weather or life to change
- 03An injury, a move, a schedule change, or a team or league shift mid-season that keeps a member from using what they paid for
This exposure is real enough that major operators name it as a risk factor in their investor disclosures, right along weather itself.1
More members buying in, more opportunity to keep them protected.
A season pass rarely stands alone. Lessons, lodging, and gear ride with a ski pass. Cart fees and range access ride with golf. Youth sports adds registration, travel, and gear. Teak enables refund protection around the whole commitment, not just the headline purchase, so one piece doesn't put the rest of it at risk.
A rough season doesn't just cost visits, it costs members the value they thought they were buying. That gap between what's paid and what's actually used is exactly where hesitation lives at checkout, and exactly where a protection program earns its place.
A refund program built around the entire commitment.
Teak configures conditional benefits and timing windows around what the data supports, illness, injury, a move, a closure, and extends coverage into the season itself. Refunds can be full or partial, sized to what actually happened.
Chargebacks cluster, they don't spread out evenly. A snowstorm, an early closure, a broken-down lift: each one dumps a pile of disputes into the same short window.
Card networks don't average that out over the year, they look at your dispute rate right then, and one bad weekend can be enough to trigger extra reserves or a processor review. Across the accesso network, Teak has handled more than 9,400 refund requests worth $1.1M, and none of them became a chargeback.
Run it white-labeled under your brand with Refund as a Service™, or carrier-backed with Filed Insurance.
Let's build your program →Refund requests handled,
chargebacks avoided.
Across the accesso partner network, consumer adoption of refund protection is up 21% year over year, growth driven by guest demand, not by accesso pushing the product harder.
Worth $1.1M paid to guests. None of them turned into a chargeback.
I’m very impressed with how fast and smooth this process has gone. Thanks—this is the best refund experience I’ve ever had .
Unfortunately, my husband and I both had to cancel a ski race due to unexpected injury or surgery. We received quick responses and refunds for our races. We're extremely pleased with the service we received and would highly recommend your service.
This was literally the fastest refund process I have ever experienced. I submitted my medical documents, got the refund link, inserted data and received the agreed amount within less than 24 hours. Amazing.
Protect the whole commitment,
not just the purchase date.
Tell us how your passes and memberships are sold. We'll show you the optimal refund program shaped around your season and your economics.