The chargeback landscape has fundamentally changed. What once was a manageable challenge for small internal teams has evolved into a complex, high-volume problem that can severely impact your bottom line. For merchants in low-margin industries, chargebacks can eat up to 25% of net income, while chargeback fees alone can consume nearly 40% of total chargeback costs.
Yet many merchants still rely on outdated manual processes—internal teams gathering documents, formatting evidence, navigating issuer-specific rules, and submitting cases one by one. These methods are time-consuming, error-prone, and ultimately cost merchants significant revenue.
Justt and the entire segments of chargeback management automation offers a smarter, more scalable approach. Justt’s fully managed chargeback automation solution removes friction, increases recovery, and saves valuable resources. Below is a detailed comparison to help you evaluate Justt vs manual chargeback management for your business.
The TL;DR – Key Differences:
- Justt’s AI-powered automations deliver higher recovery rates than manual processes and they don’t take as long (manual processes mean 20-60 minutes per chargeback) meaning that more cases can be disputed, for lower dollar amounts and even complex ones.
- Chargeback automation lowers your operational burden by eliminating repetitive, time-consuming chargeback tasks
- Chargeback automation reduces mistakes from fatigue and complexity with automated precision
- Justt handles chargeback rules and documentation for the merchant; merchants don’t need to invest in constantly tracking the rules.
- A chargeback automation solution collects all data from PSPs and provides full analytics and transparent performance tracking over it, it also saves the time to log in to different PSP portals, understand their different rules and interfaces and automatically collects the data they provide about each chargeback
- With chargeback automation you can ccale automatically with business growth—there are no needs to hire temporary employees to deal with chargeback surges
The Evolution: Why Manual Methods Are Outdated
The chargeback management landscape has evolved through distinct phases:
Chargebacks 1.0: Manual Methods, In-House Teams
Merchants managed everything internally, manually compiling evidence and submitting representments, logging into different PSPs and working in their differing interfaces. As volumes grew, this became expensive and inefficient.
Chargebacks 2.0: Template-Based Management
Software tools helped speed up representment creation using static templates. But templates have serious limitations. They rely on fixed formats and can’t adapt to the unique factors affecting each dispute (issuing bank, reason code, payment method, card brand, region). Integration with data – either merchant data about the transaction, or PSP data and even 3rd party data proving that the transaction did occur – did not exist and was done manually, which means long times to create each representment, or lack of investment in adding data to make it stronger.
Chargebacks 3.0: Automated Management with Dynamic Arguments
Modern automated solutions move beyond templates, generating tailored, dynamic arguments in real-time using data from multiple sources based on automated data enrichment, from the merchant, PSP and 3rd party data sources. The result? Consistently higher win rates as the system learns what evidence is most persuasive, by reason code, issuer, industry vertical and more.
Justt vs Manual Chargeback Management: Head-to-Head
Manual chargeback management may feel familiar, but it’s putting revenue at risk. Mostly importantly, teams using manual chargeback management don’t dispute all chargebacks, for reasons ranging from lack of time, to missing data, and usually segment chargebacks and don’t dispute complex ones, leaving money on the table.
Justt replaces that outdated model with an automated, intelligent approach. Below is a side-by-side breakdown across the dimensions that matter most:
1. Recovery Rates
Manual
Win rates vary significantly depending on your team’s experience and familiarity with dispute types, processor rules, and issuer preferences. Manual processes are often inconsistent, and disputes may be lost due to minor errors or missed deadlines.
Justt
Uses AI and machine learning to create unique, case-specific arguments with a library of tens of thousands of dispute patterns. These dynamic arguments adapt over time, learning from outcomes to improve future submissions, delivering significantly higher recovery rates, especially on “hard to win” fraud-related disputes where strong evidence and formatting matter most.
2. Time and Resource Investment
Manual
Chargebacks require extensive internal effort: gathering evidence across teams (customer service, fulfillment, finance), manually formatting documentation, and staying current with evolving rules. A large eCommerce retailer can see a 30% increase in chargebacks during holiday seasons, overwhelming manual teams. Justt estimates that each representment takes 20-60 minutes to create.
Justt
Completely offloads the dispute process. Our system connects to your order, CRM, and payment data via APIs, retrieves necessary evidence, and builds cases without your involvement. Minimal setup required. Start recovering revenue within days. Automatically scales with volume spikes without hiring additional staff.
3. Accuracy and Consistency
Manual
Manual processes introduce errors—missed documents, outdated templates, incorrect formatting. These missteps lead to unnecessary losses even in winnable cases. Many merchants assume a dispute was lost due to the issuer’s decision when the real issue was a preventable submission error.
Justt
Automates evidence creation and submission based on acquirer, card network, and issuer rules. Cases are consistently formatted, timely, and complete. Dynamic arguments consider factors like how much time reviewers have and what they’re looking for, presenting the strongest evidence first.
4. Data Enhancement and Evidence Strength
Manual
Limited to basic transaction data and whatever evidence teams can manually compile. Often miss critical supporting data that could win cases.
Justt
Automatically enriches cases with PSP data, merchant data (customer service logs, tracking numbers, subscription renewals) and third-party data (geolocation verification, shipping records, IP address analysis). For example, when a customer claims a package was “never received,” Justt automatically pulls delivery confirmations and match IP addresses to delivery locations
5. Optimization and Learning
Manual
Internal teams struggle to keep up with evolving chargeback rules across multiple payment processors and geographies. Limited ability to test what works best or improve win rates over time.
Justt
Constantly updates logic based on new rules and issuer behaviors. Runs A/B tests at a granular level—experimenting with individual data points, argument styles, and evidence types, not just swapping templates. Leverages network effects, applying successful insights from one merchant to similar cases across our platform.
6. Visibility and Reporting
Manual
Typically tracked in spreadsheets or payment processor portals with limited transparency. Hard to benchmark performance, spot trends, or get unified visibility across multiple processors.
Justt
Comprehensive dashboard with real-time updates across all payment processors. See dispute outcomes, recovery rates, financial impact, and monthly reports with full explanations of performance changes. Predictive forecasting helps with cash flow planning and revenue recovery estimation.
7. Proactive Prevention
Manual
Reactive approach, only addressing chargebacks after they occur. No early warning system for monitoring thresholds or preventing escalation.
Justt
Real-time alerts when chargebacks are initiated. Smart optimization determines when to issue refunds via Rapid Dispute Resolution (RDR) versus fighting disputes. Monitors chargeback and fraud rates to help merchants stay below card network thresholds and avoid penalties.
Enterprise-Ready Security & Compliance
For merchants in regulated industries or handling high-risk transactions, Justt meets the strictest security and compliance standards:
- SOC 2 Compliance – Highest level of security for sensitive financial data
- ISO 27001, 27017, 27018, 27701 Certifications – Industry-leading information security management
- GDPR & CCPA Compliance – Responsible customer data handling
- A-Rated Vendor Risk Report – Independently verified security and risk management
The Bottom Line
Manual chargeback management is expensive. Especially when you factor in the true cost of chargebacks (lost revenue + processing fees + labor costs + missed opportunities), manual processes fail to deliver optimal net dollar recovery.
Justt replaces manual complexity with automation, optimization, and visibility for better outcomes.
Ready to automate your chargeback management? Schedule a demo.
FAQs
How much time can I save by switching from manual to Justt?
Justt handles the end-to-end chargeback process. Merchants typically eliminate hundreds of hours per year spent on evidence collection, formatting, and case tracking.
Do I need to know chargeback rules to use Justt?
No. Justt’s platform encodes the latest rules from issuers, card networks, and acquirers, and builds tailored cases for each scenario.
Is Justt only for large enterprises?
No. Justt works with companies of all sizes—from scaling D2C brands to large enterprises—offering flexible integrations and pricing.
Can Justt help with fraud chargebacks?
Yes. Fraud is one of the most common (and challenging) dispute types. Justt’s templates and data models are optimized to maximize recovery even in these cases.
Will I still have visibility into what’s happening?
Absolutely. You get a dashboard with real-time insights, dispute statuses, and financial recovery data.
