Justt vs Chargeback Gurus for Scalable Chargeback Management

For merchants dealing with high dispute volumes, selecting the right chargeback management solution can mean the difference between letting chargebacks hurt their bottom line or minimizing their impact on the bottom line. Choosing a chargeback automation solution is easier said than done – while many providers promise automation and continuous optimization, the reality is that Justt’s innovative chargeback dispute solution varies dramatically from legacy solutions. Justt’s technical sophistication, scalability, and ability to deliver measurable results far outshine older systems.

In this article, we’ll look at Justt and Chargeback Gurus, and see how they stack up across key parameters for effective revenue recovery.

The TL;DR: 

  • Justt and Chargeback Gurus represent fundamentally different approaches to chargeback management – fully automated versus manual and template-driven.
  • Chargeback Gurus relies heavily on manual teams and templates to dispute chargebacks and create representments fo merchants. This can weaken overall revenue recovery as even the most skilled  manual teams are prone to human error and quality fluctuations during chargeback volume surges.  Template-based responses struggle to accommodate nuanced arguments and complex evidence types. 
  • Justt offers a fully automated, technology-first approach that eliminates the scalability limitations of manual chargeback management. Justt’s  AI-driven Dynamic Arguments feature selects the most relevant data from +500 sources to create uniquely nuanced evidence documents, while continuous A/B testing improves outcomes over time.
  • Furthermore, Justt offers superior data enrichment capabilities through partnerships with hundreds of third-party data sources and integrations with +50 PSPs, compared to Chargeback Gurus’ primary reliance on merchant-provided data. 

Comparison of Critical Capabilities

To illustrate how Justt and Chargeback Gurus compare, we’ve analyzed their performance across ten essential dispute management parameters. Only solutions that excel in each of these areas will be truly capable of maximizing revenue recovery at enterprise scale. 

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

Advanced automation technology allows dispute management solutions to handle every chargeback as it arrives, regardless of volume fluctuations, while maintaining or improving quality. This capability is essential for merchants experiencing seasonal spikes or rapid business growth, who will otherwise find themselves overwhelmed by the demands of manual representment building. 

Chargeback Gurus

Despite claiming some automation capabilities, Chargeback Gurus primarily relies on human teams to review and process chargebacks. Partly automated approaches like these mean that dispute quality and processing speed are liable to fluctuate based on team capacity and workload, making it impossible to guarantee consistent coverage.

Justt

Justt’s end-to-end automation is specifically designed to manage any volume of chargebacks, making it the solution of choice for high-scale merchants and Fortune 500 companies . Combining advanced A/B testing, AI-driven representment building, and automated evidence collection, Justt’s solution is not just volume agnostic, but typically continues to lift win rates even during surges. Since there is typically no human involvement in a chargeback case, decisions and submissions happen in seconds, ensuring merchants fight 100% of the chargebacks that they need to fight.

2. Use of Dynamic Arguments

The most effective chargeback responses are tailored to each dispute’s unique circumstances – analyzing reason codes, transaction details, and available evidence to craft compelling arguments that maximize win probability.

Chargeback Gurus

Chargeback Gurus relies on static templates to build representments. While these templates may be refined over time, they struggle to adapt to the unique characteristics of individual disputes, as well as more diverse evidence that can help build stronger arguments. What’s more, template-based are rarely optimized for skimming and might bury important information deep within the document, where issuers – with only three minutes to examine each representment – may never see it.

Justt

Justt’s AI-driven Dynamic Arguments feature bypasses the problem of templates entirely by  creating precision-tailored responses for every chargeback. The system analyzes each dispute’s unique characteristics – from reason code, transaction history, customer behavior patterns, and hundreds of other types of available evidence – to craft the most compelling arguments based on years of historical data infused with industry-specific knowledge. Every element, from evidence selection and ordering to formatting and presentation style, is granularly adjusted to meet the preferences of the specific issuer reviewing the case.

3. Access to Merchant and PSP Data for Chargeback Disputes

Data collection from internal merchant and PSP systems provides the foundation for any strong chargeback response. But while the best solutions seamlessly integrate with dozens of PSPs and complex merchant systems, many chargeback solutions struggle to accommodate certain data sources – sometimes leaving the most compelling evidence on the cutting room floor. 

Chargeback Gurus

While Chargeback Gurus collects basic merchant and PSP data for chargeback responses, their template-driven approach suggests that they focus on reason code-based data types, rather than comprehensive evidence gathering. Furthermore, their reliance on manual processing may limit their ability to efficiently handle complex data integration scenarios or non-standard merchant setups.

Justt

Justt automatically collects and aggregates data from internal merchant systems and +50 PSPs (including ones that do not offer public APIs). , Justt also supports scheduled batch transfers, and manual uploads when necessary. The platform is built to handle complex enterprise environments where data may be scattered across disparate systems, and stored in unusual and diverse formats. This approach ensures that no valuable evidence is overlooked, and provides the strongest possible foundation for each chargeback response.

4. Third Party Data Enrichment Capabilities

External validation from third-party sources can significantly strengthen chargeback responses by providing objective, independent evidence. While data points such as delivery confirmation, IP location, and identity verification can each prove a transaction’s legitimacy beyond doubt, only chargeback solutions with extensive third-party partnerships can rely on this critical resource. 

Chargeback Gurus

Chargeback Gurus does not appear to offer automated third-party data enrichment capabilities. Their representments rely primarily on merchant-provided data and basic transaction information from PSPs, potentially missing valuable external evidence sources that could strengthen dispute outcomes.

Justt

Every Justt representment benefits from partnerships with hundreds of third-party data sources, including shipping carriers, device fingerprinting services, IP intelligence providers, email verification platforms, and fraud detection services. The platform automatically determines which third-party evidence sources are most relevant to each dispute and seamlessly integrates this data into responses, providing objective validation that significantly improves win rates.

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

The best chargeback solutions employ machine learning to continuously optimize representment strategies on a granular level based on evolving industry vertical patterns (e.g. travel or marketplaces), issuer preferences and rule changes. This approach means that every chargeback is ideally informed by those that preceded it, gradually lifting win rates over time.

Chargeback Gurus

While Chargeback Gurus likely make gradual improvements to their template-based approach, their system lacks the automated optimization capabilities seen in more modern solutions. This is partly because templates  inherently limit the optimization possibilities, preventing the structural adjustments that lead to tangible and consistent improvements. 

Justt

Justt uses AI-driven A/B testing across every element of the dispute process, from individual data points and evidence types to argument structure, formatting, and language style. The platform’s machine learning algorithms continuously analyze outcomes across millions of disputes to identify winning patterns and apply these insights to future cases. These adjustments are implemented at both granular and structural levels, so that every detail is maximally refined to increase the likelihood of merchant success. 

6. Industry Expertise

Card schemes and national regulatory bodies are constantly altering the rules and regulations by which disputes are governed. This makes it essential for chargeback solutions to remain up to date and compliant.

Chargeback Gurus

Chargeback Gurus has accumulated significant industry expertise and appears to maintain good relationships within the payments ecosystem However, their manual approach incurs the risk of human error and may reduce the amount of time that these experts can spend on regulatory concerns.

Justt

Justt’s team includes chargeback veterans with over a century of combined experience in payments risk. The platform’s fully-automated approach allows these experts to continuously update the system to reflect even the most minute regulatory changes, while removing human error from the equation. 

7. Effective Reporting & Unified Visibility Across Payment Processors

Comprehensive analytics and reporting capabilities enable merchants to understand chargeback patterns, identify trends, and make informed decisions that reduce future disputes. However, many solutions fail to make this key information available. 

Chargeback Gurus

Chargeback Gurus’ FPRONE platform provides standard chargeback and analytics reporting capabilities. Despite its branding as an AI-powered feature, the platform does not appear to support the advanced predictive insights available on more modern systems.

Justt

Justt’s Insights & Analytics dashboard provides a unified viewpoint for all dispute data, eliminating the need for merchants to access multiple systems or manually aggregate complex information. The platform categorizes disputes by reason code, product type, geography, payment method, and numerous other dimensions  to improve the explainability and transparency of revenue recovery operations.

8. Forecasting and Revenue Prediction

Robust forecasting systems allow merchants to anticipate chargeback outcomes and recovery amounts long before disputes are resolved. This is highly valuable to finance teams and can also help gain a clearer understanding of the ROI of different chargeback mitigation measures.

Chargeback Gurus

Chargeback Gurus does not offer predictive analytics or forecasting capabilities as part of their solution. Merchants using their service may need to rely on external tools or manual analysis to predict dispute outcomes and plan for future spending.

Justt

Justt’s state-of-the-art forecasting capabilities use machine learning to predict dispute outcomes with high levels of accuracy. The system analyzes historical data to both generate win probabilities for every chargeback, and predict seasonal fluctuations and their likely impacts on revenue. These insights allow finance departments to make informed decisions around resource allocation many months in advance. 

9. Easy Integration & Quick Setup

Rapid and simple implementation is a critical factor in any chargeback solution, as lengthy or complex setups delay revenue recovery and may incur additional labor costs. 

Chargeback Gurus

Chargeback Gurus offers a “no-IT lift” performance-based trial, suggesting relatively straightforward implementation. However, their reliance on manual processes may require additional onboarding and training to facilitate effective collaboration between merchant teams and their processing centers.

Justt

Justt’s platform is designed for rapid implementation with minimal IT requirements, and no merchant intervention required after initial setup. The solution supports +50 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, ensuring quick deployment regardless of technical complexity.

10. Integrated Chargeback Alerts

While most businesses should fight almost every chargeback, chargeback alerts allow merchants to issue preemptive refunds in the rare situations where it is more useful to protect chargeback ratios or avoid unnecessary fees. 

Chargeback Gurus

Chargeback Gurus offers chargeback alerts. 

Justt

Justt provides integrated Ethoca alerts and Verifi CDRN alerts. As part of the onboarding process, the Justt team will work with each merchants to weigh the costs and benefits of these tools, alongside other pre-dispute tools such as Rapid Dispute Resolution (RDR), and decide whether or not they make sense from a revenue recovery perspective. . 

See the Justt Advantage in Action

Still not sure which solution will work for your business? No reason to take our word for it. Talk to our team today for a free ROI estimate, and to set up a head-to-head trial of Justt versus any competitor of your choice. Unlike many other solutions, Justt also offers success based pricing, in which you only pay a percentage of the direct revenue Justt has recovered for your business. 

Key Features

Why Justt Wins

  • Feature

    justt Logo
  • Automated Chargeback Responses
    Semi- automated
  • Dynamic Arguments
  • Third Party Data Enrichment
  • Merchant Data Enrichment
  • Win-rate Improvement and A/B testing at the datapoint level
  • Industry Expertise
  • Effective Reporting & Visibility
  • Predictive Forecasts
    Unknown
  • Easy Integration
  • Alerts Functionality
    Unknown
  • High Security & Compliance Standards

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