Justt vs Chargebacks911: Understanding the Alternatives

Today’s record levels of friendly fraud mean that choosing a reliable and scalable  chargeback automation and management solution has never been more essential. This article compares two of the most dominant players in the chargeback space, with an offering that focuses on serving larger merchants or enterprises. We’ll be comparing Justt and Chargebacks911 – and will examine how each addresses the most important capabilities that modern merchants require in a chargeback automation solution.

This article is based on the information we have gathered from online research and from discussions with previous and current Chargebacks911 customers. While we have made every attempt to present the facts accurately, we welcome any critical feedback and will revise any inaccuracies that are pointed out to us.

The TL;DR – Key Differences:

• Approach to automation: Justt offers end-to-end AI automation with Dynamic Arguments that tailor each dispute according to available data, reason codes, industry and more while Chargebacks911 static templates and some manual work, that may make it difficult to scale during high-volume periods.
• Third party data sources for compelling evidence: Justt accesses hundreds of third-party data points for evidence enrichment, compared to Chargebacks911’s focus on basic PSP and merchant data.
• Integrations: Justt integrates with 50+ payment service providers, compared to Chargebacks911’s more limited integrations.
• Optimization and analytics: Justt provides continuous A/B testing, machine learning optimization, and predictive forecasting capabilities, while Chargebacks911 lacks advanced analytics and forecasting features.
• Setup and scalability: Justt offers near-instant setup, while Chargebacks911’s hybrid manual approach may require longer implementation times for complex merchant environments.

About Justt and Chargebacks911

Founded in 2011, Chargebacks911 is one of the oldest chargeback solution providers on the market, and one of few that formerly operated with a fully manual service model, submitting representments manually on behalf of merchants. Despite now offering basic automation features, their continued reliance on manual representment building and static templates may now present scalability challenges and missed optimization opportunities for modern merchants.

Justt (full disclosure: that’s us) has pioneered the world’s first end-to-end automated chargeback management solution, using advanced AI to conduct evidence collection, representment building, continuous optimization, and predictive analytics. The platform uses Dynamic Arguments to create precision-tailored responses where every detail is adjusted to meet the demands of the individual issuers reviewing the case, maximizing chances of success.

Justt’s fully automated approach removes the scalability limitations inherent in manual processes, allowing the platform to handle volume surges effortlessly while continuously improving win rates through A/B testing. 

Comparison of Critical Capabilities

With so many bells whistles, and expensive add-ons available, it’s hard to know which chargeback mitigation features are necessary and what you can do without. To reduce the confusion, we’ve broken chargeback management solutions down into ten essential components that every system should handle fluidly. Let’s see how Justt and Chargebacks911 measure up.

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

Only end-to-end automation can consistently maintain response quality during high volume periods and reduce labor costs during quiet spells. Look for solutions that explain exactly how and where they apply automation – ideally, this should cover evidence collection from the merchant, PSP and 3rd party data sources, representment building, submission, and continuous optimization. 

Chargebacks911

Chargebacks911 employs a human-centric, template-based approach that requires manual involvement to complete each representment. Despite introducing basic automation to certain workflows, this hybrid approach creates inherent scalability challenges such as bottlenecks and delays during surges – just when consistent coverage is most critical. 

Justt

Justt’s platform has pioneered end-to-end automation in chargeback management. Every aspect of dispute handling – from initial assessment through evidence compilation and submission – operates automatically. This approach ensures that quality never drops during high volume periods, whether processing ten disputes or ten thousand. In fact, comprehensive A/B testing means that the solution’s output continues to improve with every representment. 

2. Use of Dynamic Arguments

Many chargeback solutions rely on static templates, versus Justt’s approach which is built around Dynamic Arguments.

Chargebacks911

Chargebacks911’s template-based system represents an increasingly outmoded approach to dispute management. While these templates may be improved over time, they hinder response flexibility and continuous optimization, while often burying pertinent information deep within the document where reviewers may never read it. Moreover, this approach may prevent the inclusion of unique evidence types, and fails to emphasize the most compelling aspects of individual disputes.

Justt

Justt’s AI-driven Dynamic Arguments feature creates precision-tailored responses for each dispute. Every detail – from structure to style, and format to informational hierarchy – is determined by both the dispute’s unique characteristics and the strategies that proved successful in millions of similar cases. This formula enables the system to place the most persuasive evidence available in a logical flow designed to convince the individual issuer reviewing the case. 

3. Access to Merchant and PSP Data for Chargeback Disputes

Chargebacks cannot be won without data – the more sources you can draw on, the likelier you are to win any given dispute. 

Chargebacks911

Chargebacks911 maintains integrations with some major PSPs, and can pull standard transaction data from merchant systems. However, their manual, template-driven approach may limit their ability to incorporate more diverse, industry-specific data formats.

Justt

Justt continuously collects and collates data from +50 PSPs and internal merchant systems through built in integrations as well as custom solutions (uploading merchant data is optional but improves response results). The platform is trained to read and interpret even the most unusual data forms from the most complex merchant systems, so no potential evidence is off limits. 

4. Third Party Data Enrichment Capabilities

Dispute success often rests on external validation from third party data points, such as delivery confirmation, IP geolocation, and biometric identity verification. Unfortunately, many chargeback solutions ignore this crucial resource altogether, and forfeit winnable cases as a result. 

Chargebacks911

Chargebacks911’s third party enrichment capabilities are limited to basic tools for chargeback source analysis, with data collection efforts otherwise focussed on merchant systems and basic PSP information. This restriction may result in missed opportunities to strengthen cases.

Justt

Justt partners with hundreds of external data providers, including shipping companies, device identification services, IP geolocation providers, and identity verification platforms. The system automatically decides which external sources are relevant to each dispute and uses this independent evidence to strengthen case arguments.

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

Continuous optimization allows dispute strategies to evolve with changing fraud patterns and issuer behaviors. The best systems use machine learning to improve with every dispute result, so win rates are always rising. 

Chargebacks911

Template-based structures – like Chargeback911’s – limit the potential for optimization to gradual structural changes rather than constant granular improvements. Their manual focus also means that optimization relies on changes to team performance, rather than systematic machine learning.

Justt

Justt performs A/B testing across all dispute elements, from evidence types to argument structure and presentation format. The system’s machine learning algorithms analyze millions of dispute outcomes to identify successful patterns, before automatically applying these insights to future cases – ensuring continuous improvement in win rate performance.

6. Industry Expertise

Staying current with industry best practices and card networks’ fast-changing rules, regulations, and deadlines is crucial if dispute strategies are to remain compliant and effective.

Chargebacks911

Chargebacks911’s lengthy market presence suggests extensive industry experience and regulatory knowledge.

Justt

Justt’s team has over a century of combined experience in payments risk and works with large merchants across diverse industries – including DoorDash, Fiverr, Best Buy, Playtika, and many others.   

7. Effective Reporting & Unified Visibility Across Payment Processors

Analytics and reporting capabilities allow merchants to understand dispute patterns and causes, and make informed decisions about prevention strategies. However, many providers fail to make this information accessible. 

Chargebacks911

Chargebacks911 provides single-platform reporting about disputes and alerts, which includes customizable notifications and basic analytics. However, to the best of our understanding, their  reporting appears to lack transparency regarding case handling methodologies and detailed performance insights.

Justt

Justt’s Insights & Analytics feature provides exhaustive reporting into dispute handling processes, outcome explanations, and performance metrics. The system distinguishes between fraud types, offers clear visibility across all PSPs and current disputes, and suggests strategies to reduce future disputes based on chargeback source analysis. 

8. Forecasting and Revenue Prediction

Predictive capabilities allow finance departments to make informed long-term spending decisions based on forecasted dispute volumes, outcomes, and revenue retention. Solutions without forecasting force merchants into potentially disastrous guesswork, often resulting in overspending or underinvestment at key moments. 

Chargebacks911

Chargebacks911 does not appear to offer predictive forecasting capabilities. Affiliated financial departments may need to supplement their services with additional tools or manual analysis.

Justt

Justt’s platform uses machine learning to forecast dispute volumes, outcomes, and revenue retained with remarkable accuracy. This information allows merchants to make long term spending decisions, prepare for seasonal dispute surges, and adjust operational processes to reduce overall dispute volumes. 

9. Easy Integration & Quick Setup

The speed and simplicity of setup determine how quickly merchants can begin recovering lost revenue. Long integration processes can cause costly delays, especially if merchants have chosen to switch solutions during a high-volume period. 

Chargebacks911

Chargebacks911 offers a relatively quick setup through integrations with certain PSPs. However, their hybrid manual-automated approach may require longer setup procedures to accommodate larger or more complex merchant environments.

Justt

Justt’s setup is nearly instant, regardless of merchant size or complexity. Supporting +50 PSPs out of the box, and equipped with ready-made APIs for evidence pulling, the solution takes over all chargeback-related work from day one. For merchants with unique requirements, Justt’s dedicated integration team creates custom connections where needed.

10. Integrated Chargeback Alerts

Smart chargeback mitigation sometimes means knowing when to fold em’ – particularly when contesting a dispute could risk excessive chargeback ratios and unnecessary fees. Both Chargebacks911 and Justt offer Ethoca (Mastercard) and Verifi (Visa) alerts, allowing for timely refunds where appropriate. 

Choose the Right Solution for Your Needs

Ultimately, your solution of choice should reflect your business’ priorities regarding automation, transparency, and scalability. While Chargeback911 is one of the market’s oldest solutions, their manual, template-based approach might struggle  to handle today’s record levels of friendly fraud. To learn more about Justt’s unique approach, our work with global online sellers, and our customer-centric approach, schedule a demo today.