Scrolling through terms to avoid disputes

Hello getting more disputes here, one thing the bank requires is that we allow the user to scroll through the terms then accept, but this only opens a link to the terms. We have stated some of the terms at signup but according to the bank we need a scroll then accept function to win a dispute

Also there are no customer signatures when they pay for a service, I am not sure what to provide them as this

Refund and cancellation policy also would be nice, although I have it in terms, they require this

I included a link to Stripe dispute process

I have explained the subscription is automatically renewed until the customer manually cancels the subscription

Do you have any other tools I can use to help win a renewed subscription dispute ?

Thank you