Choose Whether to Accept or Fight Chargebacks with Justt

Today we’re happy to unveil a new feature in Justt, allowing you to quickly accept a chargeback dispute, either manually or through automation rules. Let’s take a quick look at what this is good for, and how it works in Justt.

Why accept a chargeback? Why not ignore it?

At Justt, we generally like fighting illegitimate chargebacks – and winning. But there are some situations where there are good reasons to accept a chargeback immediately, rather than fighting it or waiting for the dispute period to pass.

Accepting chargebacks helps you avoid card scheme costs. The main reason to accept a chargeback is that card schemes (mostly Visa) might charge additional fees when the acquiring bank is late to respond. In some cases, these costs are passed on to the merchant by the acquiring bank or payment service provider (PSP). Accepting chargebacks early helps you avoid these costs. 

Accepting chargebacks keeps your work more organized. When you think a chargeback is justified or beneath a threshold of what you’d like to fight - i.e., you can immediately tell you’re not interested in disputing it - it can make sense to get the case out of your backlog as soon as possible.

Benefits of accepting chargebacks in Justt (vs. through the PSP)

Currently, when a merchant wants to accept a chargeback, they would need to log in to their PSP portal and choose to do so. Accepting chargebacks in Justt offers several advantages compared to this approach:

• Save time and effort: No need to manually log in to different PSP portals, which gets tedious - especially when you’re working with multiple PSPs

• Less context switching: Payment teams can manage everything chargeback-related in Justt rather than having to juggle multiple open tabs and lose focus.

• Visibility and control: By centralizing your chargeback mitigation work in Justt you can ensure consistent policies for similar cases and across PSPs. You can also review previous cases where the team chose to accept a chargeback to verify that the decision was correct.

• Scale with automation: If you need to go beyond ad-hoc acceptance of a specific dispute, Justt lets you create automation rules to significantly streamline your work (more on that in the next section).

How it Works

Once the feature is enabled, there are two ways you can accept chargebacks from within your Justt Customer Hub.

1. Accept a chargeback manually

This is an easy two-click process to accept a chargeback for a specific case.

2. Create automation rules

If there are specific, predefined categories of chargebacks that you do not intend to dispute, you can define automation rules to auto-accept certain chargebacks based on properties available in Justt.

For example: accept all chargebacks where sale price < $25 and product item = RedShoes

Ready to Get Started?

This new capability adds on to Justt’s existing set of chargeback automation features and AI-powered dispute generation engine, and will help us to continue achieving better outcomes for our customers.

Want to see it in action?

• If you’re already using Justt, you can contact our support desk to enable it in your account, or for additional details
• If you’re not using Justt yet, you can get started with a quick demo.