diff --git a/lib/policy.test.ts b/lib/policy.test.ts
index 8154ef0..a719202 100644
--- a/lib/policy.test.ts
+++ b/lib/policy.test.ts
@@ -34,6 +34,14 @@ describe("decide", () => {
     expect(d.status).toBe("resolved");
     expect(d.execution).toEqual({ kind: "refund", amount: 20 });
     expect(d.actionTaken).toBeNull();
+
+    const atLimit = decide(
+      { ...base, category: "refund", refundAmount: 50 },
+      { ...payload, orderId: "1042" },
+      ON,
+    );
+    expect(atLimit.status).toBe("resolved");
+    expect(atLimit.execution).toEqual({ kind: "refund", amount: 50 });
   });
 
   it("escalates a refund over the limit with an approval proposal", () => {
@@ -54,6 +62,30 @@ describe("decide", () => {
     expect(d.proposedAction).toMatch(/amount/i);
   });
 
+  it("escalates non-positive and non-finite refund amounts", () => {
+    for (const refundAmount of [
+      0,
+      -1,
+      Number.NaN,
+      Number.POSITIVE_INFINITY,
+      Number.NEGATIVE_INFINITY,
+    ]) {
+      const d = decide(
+        { ...base, category: "refund", refundAmount },
+        payload,
+        ON,
+      );
+      expect(d.status).toBe("escalated");
+      expect(d.execution).toBeNull();
+      expect(d.proposedAction).toBe(
+        "Confirm a valid refund amount, then approve",
+      );
+      expect(d.reason).toBe(
+        "refund amount must be finite and greater than zero",
+      );
+    }
+  });
+
   it("honors a custom REFUND_AUTO_LIMIT", () => {
     process.env.REFUND_AUTO_LIMIT = "10";
     expect(
diff --git a/lib/policy.ts b/lib/policy.ts
index c3f19bd..a8c3638 100644
--- a/lib/policy.ts
+++ b/lib/policy.ts
@@ -92,6 +92,12 @@ export function decide(
 
     case "refund": {
       const amount = triage.refundAmount ?? null;
+      if (amount != null && (!Number.isFinite(amount) || amount <= 0)) {
+        return escalated(
+          "Confirm a valid refund amount, then approve",
+          "refund amount must be finite and greater than zero",
+        );
+      }
       if (amount == null) {
         return escalated(
           "Confirm refund amount, then approve",