Case Study

Melio Knocks Out
Chargebacks with Justt


Success rate for reversing chargebacks after improving results by 54.5 percentage points.


In total revenue recovered over the first 12 months.

All done while managing a caseload that grew


as Melio dramatically increased its revenue and scaled up operations.

Case Study

Melio Knocks Out
Chargebacks with Justt


Rapidly growing fintech startup Melio anticipated that chargeback problems would be the cost of their success. They also wanted to minimize distractions and focus on scaling up core operations. Consequently, Melio decided to proactively pursue a strong success rate in fighting chargebacks. Justt’s tailor-made, hands-off solution fit the bill. Starting in February 2020, Justt took over Melio’s chargeback defense and drastically improved their results, including:

  • 85.5 percent of chargebacks reversed – a 54.5 point lift.
  • $376,000 in revenue loss avoided over the first 12 months.
  • All done while managing a caseload that grew 345% YOY as Melio dramatically increased its revenue and scaled up operations.
Meet Melio - a better way to pay

Melio is a digital alternative to the tedious and expensive bill-paying methods many small businesses are still using today. Its platform is designed to help small businesses pay their bills in ways that free up schedules and extend cash flow. The company currently has over 420 employees and is valued at $4 billion.

Chargebacks - the price of success?

Part of the appeal of Melio’s solution is that it lets small businesses pay vendors with their credit cards, which led its monthly active users to grow in 2020 by more than 2,000 percent. But as its user base grew so did its chargebacks. Melio had a risk team that was busy fighting other types of fraud and was getting distracted fighting illegitimate chargebacks, something that was outside its real area of expertise. However, the average chargeback amounts were large enough that the company couldn’t just ignore them as the cost of doing business. Melio’s risk team wanted to refocus on its core mission to support the company as it grew, but they also needed to increase the number of chargebacks they successfully fought. Building a separate chargeback analyst team with the required expertise and training and development didn’t seem like an attractive option for a rapidly growing startup.

The Justt solution

The risk team at Melio was open to new solutions that would allow a more hands-off approach to chargeback mitigation. But the team also couldn’t afford a lot of development time that would take up resources and distract company management during the implementation phase.

With Justt, Melio found a solution that required no setup fees and minimal time investment. The entire process of outsourcing all the company’s chargeback details from its payment service provider took just 2-3 weeks to complete.

Instead of spending resources building the in-house expertise necessary to win payment disputes, Justt gave Melio an immediate improvement in the number of chargebacks they fought as well as their success rate. This included an incredibly high rate of success reclaiming high-ticket chargebacks in the notoriously difficult to win arbitration stage of credit card disputes.

Remarkable results

Melio implemented the Justt solution in 2020. One year later the company’s success rate had grown 54.5 percentage points to cover 85.8 percent of chargebacks fought. Not only did their success rate jump, but it did so while the volume of chargebacks expanded in keeping with the rapid growth of Melio’s revenue. Over the course of the year, the company prevented $376,000 in revenue loss by working with Justt and successfully contesting chargebacks.

“We see Justt not only as a chargeback mitigation solution, but as our partners in navigating the jungle of chargebacks and card processing.

Their hands-off solution integrates with our card processor, allowing us to move our focus from the never-ending task of fighting chargebacks to conquering our core business goals.”

Matana acrocharge Testimonial
Matana Soreff
VP Risk & Compliance, Melio

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    Chargebacks per month

    • Under $5,000
    • Under $50,000
    • Under $100,000
    • Over $100,000