Why customers choose Justt over Chargeflow

For merchants, chargeback management solutions are essential for recovering revenue and reducing the impact of chargebacks on their bottom line. But with so many options available, selecting the right one can be a challenge. While you may have made the decision to automate your chargebacks, it’s difficult to tell the difference between the different solutions. 

Even solutions that make similar  “automation” promises differ significantly in terms of quality, reliability, and the net dollar amount of revenue recovered (which is the chargebacks won minus labor, fees and technology investment). In this article, we’ll take a closer look at two popular options—Justt and Chargeflow—helping you decide which is the best fit for your business.

The TL;DR:

• Justt and Chargeflow both offer fully automated chargeback disputes.
• Chargeflow is a younger and less capitalized startup (founded in 2021), primarily serving smaller e-commerce and direct-to-consumer merchants. Justt has been in the market for longer and has raised more capital, and is successful with large enterprises that have high chargeback volumes and stringent security requirements.
• Chargeflow is very easy to install and get started on Shopify. It has a strong focus on the Shopify ecosystem, although Justt’s Shopify solution with its dynamic arguments technology may offer better results and a similar ease of use.
• While both companies use AI in their solutions, Justt has pioneered these capabilities and benefits in the chargeback management market. Its solution is based on access to data from millions of disputes across different industries. Justt is also the only solution in the market to offer dynamic arguments – it doesn’t use templates at all, but collects the data for each dispute and builds the optimal evidence, argument by argument and A/B tests it all.
• Justt has strong expertise in the chargeback space, with a deep understanding of the different rules and requirements. This is combined with its solution, ensuring that every industry change is immediately reflected in what the system creates, whether by industry, issuer, reason code and more, delivering economies of scale to its customers. 
• Justt has more integrations with PSPs and other players. Together with its strong reporting and analytics capabilities, Justt provides large companies the tools they need to manage chargebacks. Justt also has a strong focus on enterprise grade security that is required by large accounts. 

Comparison of Critical Capabilities

To further illustrate how these solutions stack up, we’ve broken them down across ten essential features in chargeback management. Ideally, your chosen solution should handle all of these demands fluidly. Let’s see how Justt and Chargeflow compare (detailed breakdown below):

1. Automated Responses: Scale With Volume and Deliver High-Quality Disputes

Dispute surges often arrive from nowhere, which means that employees that deal manually or semi-manually with chargebacks are unable to dispute all chargebacks or do so with reasonable quality. Only end-to-end chargeback dispute automation can truly make scale a non-issue by handling every chargeback as it arrives and, through innovation, creating better representations than those created by humans, at scale.

Chargeflow

While Chargeflow claims full automation and AI-powered capabilities, it is unclear whether these capabilities have been battle-tested at enterprise scale. Based on the company’s own website and other marketing materials, its customer base is mostly smaller merchants and medium-sized businesses, which rarely deal with the same volume and complexity of chargebacks as larger organizations.

Justt

Justt’s end-to-end automation is the solution of choice for numerous Fortune 500 enterprises and fintech giants. This is because Justt’s combination of A/B testing, AI-driven representment building, and automated evidence collection are not only volume agnostic, but drive quality disputes even during chargeback surges. The system is also continuously refined and improved to meet the demands of high-volume merchants in diverse industries – including Fiverr, DoorDash, Best Buy and others – making Justt uniquely suited for high-scale scenarios.

2. Use of Dynamic Arguments

Most solutions on the market are still based on representment templates. Static templates inhibit the flow of logical arguments, don’t support industry-specific evidence types, and bury pertinent information. Ideally, the data to support each dispute should be first collected and then a custom representment should be built. The solution? Custom AI-crafted responses that adjust argument style, type, order, formatting, and more, to the demands of every case.  

Chargeflow 

While Chargeflow claims to use  AI in its representations, it is unclear how far this automation goes and what level of customization actually occurs. The system generates automated responses but may not fully adapt to the nuances of different industries or complex dispute scenarios. 

Justt 

Justt has been the first to market and is the leader in  AI-driven, bespoke chargeback responses. Justt’s Dynamic Arguments feature creates nuanced arguments for every dispute. This advanced technology evaluates each chargeback’s unique characteristics – analyzing the reason code, transaction details, customer history, and available evidence – to craft the most compelling evidence documents on the market. 

3. Access to Merchant and PSP Data for Chargeback Disputes

Data is your most powerful weapon in the fight against chargebacks. But while some solutions enrich your representments with complex internal and PSP data, others preclude even internal sources, if they fall outside the norm. Ideally, chargeback data enrichment should come from three sources: PSP data, merchant data and 3rd party data.

Chargeflow 

Chargeflow can pull basic transaction data from merchant systems, and boasts some enrichment capabilities. However, its integrations are primarily focused on common e-commerce platforms like Shopify, potentially limiting data collection for merchants with more complex setups. 

Justt 

Justt’s automatically collects and aggregates data from merchant systems,  50+ PSPs, and third parties, using API connections where available and even csv uploads if that’s better for the merchant. The solution is built to handle complex enterprise environments where data is often scattered across disparate systems and formats, so no data type is off limits. Justt can ingest data through direct API connections, scheduled batch transfers, and even manual uploads when necessary. 

4. Third Party Data Enrichment Capabilities 

External validation from trusted third parties can significantly strengthen a chargeback response. From delivery confirmation to IP geolocation, these additional data points provide objective support for a merchant’s case.

Chargeflow 

Chargeflow offers basic third-party data integration. However, the breadth and depth of these integrations appear limited, potentially missing valuable evidence sources that could strengthen disputes.

Justt 

Every Justt representment benefits from partnerships with hundreds of third-party data sources. These include shipping carriers, device fingerprinting services, IP intelligence providers, email verification platforms, and more. The platform automatically determines which third-party data sources are most relevant to each dispute and integrates this evidence seamlessly into the response. 

5. Optimization Abilities and A/B Testing to Improve Win Rates Over Time

The most effective chargeback solutions use machine learning to continuously test and refine every aspect of the dispute process, lifting win rates over time. 

Chargeflow 

While Chargeflow likely makes gradual improvements to its system, there’s limited evidence of systematic, data-driven optimization through comprehensive A/B testing. Furthermore, as a relatively new startup with fewer total disputes processed, Chargeflow has a smaller dataset from which to draw optimization insights.

Justt 

Justt employs sophisticated A/B testing across all elements of the dispute process, from evidence selection and argument structure to formatting and presentation. The company’s vast dataset is informed by millions of disputes across diverse industries, and some of the world’s largest enterprises. Each of these cases contributes to making the next representment stronger – so your revenue recovery rates  are always rising. 

6. Industry Expertise

Card networks and national regulatory bodies frequently update their rules, regulations and deadlines, making it essential for chargeback solutions to stay current with industry changes and best practices.

Chargeflow 

As a newer entrant to the market, Chargeflow has less accumulated industry expertise and historical knowledge of chargeback trends than many seasoned providers. 

Furthermore, the company’s plug-and-play functionality may be suitable for small and medium-sized businesses, but means that each case receives less expert attention. 

Justt 

Justt’s team includes seasoned chargeback experts with decades of combined experience in payments risk. This depth of expertise ensures the platform’s approach always aligns with current industry best practices, while a consultative ethos means that every client has round-the-clock access to expert guidance. 

7. Effective Reporting & Unified Visibility Across Payment Processors 

Comprehensive analytics are essential for understanding chargeback patterns and making informed business decisions that can reduce dispute numbers. However, many providers fail to make this critical information accessible. 

Chargeflow 

Chargeflow provides basic reporting functionality, showing dispute status and outcomes. However, merchants operating across multiple payment processors may find Chargeflow’s visibility limited, due to its relatively limited scope of PSP integrations (see above). 

Justt 

Justt’s Insights & Analytics dashboard provides a unified view of all chargeback activity across every payment processor a merchant uses. This consolidated view eliminates the need to log into multiple systems or manually aggregate data. The platform analyzes disputes by reason code, product type, geography, payment method, and numerous other dimensions to identify underlying issues and preventative measures.

8. Forecasting and Revenue Prediction

Systems that accurately forecast chargeback outcomes enable better financial planning and resource allocation. Those that fail to provide forecasting risk leaving finance and accounts departments in the dark. 

Chargeflow 

Chargeflow claims to offer forecasting. 

Justt 

Justt’s predictive analytics leverage machine learning to forecast dispute outcomes with remarkable accuracy. For each incoming chargeback, the system calculates a win probability based on historical performance with similar cases, helping merchants anticipate likely recovery amounts. 

9. Easy Integration & Quick Setup

Implementation speed and simplicity are critical factors in choosing a chargeback solution, as lengthy integrations delay revenue recovery.

Chargeflow 

Chargeflow’s primary strength lies in its quick setup for standard e-commerce platforms like Shopify. However, this ease comes with limitations – more complex merchant environments, some types of PSPs, or custom setups may not be as well supported. Based on Chargeflow’s website, they currently support around 20 PSPs.

Justt 

Justt’s platform is designed for rapid implementation regardless of merchant size or complexity. The solution supports +44 PSPs out of the box, with ready-made APIs that streamline integration. For merchants with unique requirements, Justt’s dedicated integration team creates custom connections where needed.

10. Integrated Chargeback Alerts

Strategic dispute management sometimes means knowing when not to fight – particularly when doing so would harm chargeback ratios or incur unnecessary fees. In terms of alerts, both Chargeflow and Justt seem to offer the same functionality. 

Choose the Right Solution for Your Needs 

Whether you choose to partner with Justt or Chargeflow will ultimately depend on your own business needs. While Chargeflow offers a rapid set up for smaller and medium-sized businesses, it lacks robust reporting, data collection procedures, and convincing optimization. As an enterprise-grade chargeback solution, Justt’s offering is far more comprehensive, complete with advanced forecasting, world-leading optimization, and the most persuasive AI-driven representments on the market.