Justt Vs. Midigator (Kount): End-to-End Chargeback Automation or Template-Assisted DIY Responses

A lot rests on your choice of chargeback management solution – including your win rates, labor spent on submitting chargeback disputes, and up to 25% of net revenue. How can you tell which solution best serves your needs and has the potential to grow your net revenue dollar recovery while reducing fees and the labor required to deal with chargebacks?

This article examines how Justt and Midigator compare across ten critical capabilities, so you can better understand what to look for. We have done our best to present a factually accurate picture based on publicly available information and conversations with former Midigator customers.

Note: Midigator has been acquired by Equifax, and is now available as part of Kount.

The TL;DR:

Justt and Midigator represent opposing approaches to chargeback management – Justt is an AI-driven chargeback management platform that automates the entire dispute process. Midigator is a chargeback tool that provides in-house teams with customizable templates to assist with manual representment creation, submission, and management.
Justt conducts A/B testing across every chargeback, so responses are continuously optimized based on historically successful strategies. Midigator’s manual templates prevent this kind of structural optimization from happening – in-house responses typically vary in quality depending on the day.
Justt’s comprehensive automation means that responses are generated instantly, so deadlines are never missed and chargeback spikes never affect response quality. Justt also times accept chargeback decisions, so that you don’t miss deadlines and incur fees. Midigator delegates representment creation and submission to the merchant, meaning that it is their responsibility to meet deadlines and handle chargebacks, requiring manual work and consistent tracking and oversight.
Both Justt and Midigator automate evidence collection from internal merchant systems, PSPs, and third party providers. However, Midigator only partners with 14 PSPs, compared to Justt’s +50. This means they have a smaller pool of PSP data to draw from, and may take longer to integrate with unaffiliated payment processors.
Additionally, Justt uses the evidence collected from the merchant, PSPs and 3rd parties to create a fully customized dispute document, on an argument by argument basis, resulting in higher win rates.

Comparison of Critical Capabilities

To illustrate how Justt and Midigator 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.

To learn about our criteria for comparing chargeback solutions, read 10 Things You Need for Chargeback Automation.

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

Seasonal spikes, product launches, and service outages can each cause dispute volumes to soar unexpectedly. Manual teams typically struggle to adapt to surges, resulting in missed deadlines, declining win rates, and lost revenue. Fortunately, end-to-end automation can reduce chargeback timelines to mere seconds, without sacrificing quality or coverage.

Midigator

Midigator does not automatically generate chargeback responses. Instead, they provide merchants with customizable templates with which to create their own. This approach poses distinct challenges when it comes to scale, as manually creating representments is a prolonged process requiring careful composition, fact checking, and review, even with a template in place. Volume surges can multiply this work tenfold overnight, overwhelming in-house teams and requiring temporary hiring.

Justt

Every Justt response is 100% automated – the platform combines advanced machine learning, decades of domain expertise, and data orchestration so that representments are compellingly written, highly informed, and generated within seconds, on an argument-by-argument basis. This ensures that deadlines are never missed and response quality never suffers, even during surges. Better yet, merchants can rely on a superhuman chargeback defense without having to lift a finger.

2. Use of Dynamic Arguments

Unique chargebacks require unique responses – yours should reflect the industry, reason code, evidence types, transaction details, and other nuances of every dispute. Some details are also more compelling than others. Representments should prioritize the most important evidence within a persuasive argumentative flow.

Midigator

While Midigator’s templates allow for some degree of structural customization, they may still struggle to accommodate diverse evidence types, niche business models, and regional regulatory variations. Furthermore, templated chargeback responses typically come at the cost of flexibility and argumentative flow, with only rigid segments to rearrange, it can be difficult to contrast evidence types or structure nuanced arguments involving several factors.

Justt

Justt’s AI-driven Dynamic Arguments feature ensures that every representment element – from argument flow to language style, and detail level to formatting – is granularly adjusted to meet the demands of each chargeback. Meanwhile, all available evidence is analyzed for overall importance within the chargeback’s context, before being placed within a persuasive argumentative flow that effortlessly contrasts data types and foregrounds the most compelling points.

3. Dispute Optimization: Putting ROI First

In the world of chargeback defense, volume isn’t everything. Knowing which disputes to fight is equally critical. Applying a smarter, data-centric strategy ensures your resources focus on disputes that deliver real ROI.

Midigator

Midigator relies on customizable templates and manual decision rules to assist in dispute selection. While this helps streamline workload, it still leaves profitability judgment to broad heuristics and human discretion, not strategic precision.

Justt

Justt’s Dispute Optimization adds an intelligence layer beyond traditional template-based workflows. The platform automatically evaluates each incoming chargeback against criteria like dispute amount, win likelihood, submission fees, and enrichment opportunity to forecast ROI. Disputes likely to drain net recovery are auto-accepted, while profitable ones trigger fully crafted representments, all with no manual intervention needed.

4. Access to Merchant and PSP Data for Chargeback Disputes

The best solutions automatically pull data from merchant systems and numerous PSPs, so that it’s ready to use when chargebacks arrive.

Midigator

Midigator offers an API that merchants can use to upload transactions and predefined types of compelling evidence. This can then be used in the templatized response systems. Midigator also collects chargeback data from 14 affiliated PSPs.

Justt

Justt automatically collects chargeback data from internal merchant systems and +50 PSPs out of the box. Integrations are achieved using APIs, scheduled batch transfers, and CSV uploads when necessary. The platform is designed to accommodate enterprise environments, where data may be disparately scattered or stored in unusual formats.

5. Third Party Data Enrichment Capabilities

Third party data providers can enrich and independently verify your responses with compelling evidence types, such as delivery confirmation, IP location, and identity verification – each of which can prove a transaction’s legitimacy beyond doubt.

Midigator

Midigator offers integration with third party data providers. However, they do not appear to state how many third party providers they partner with, or what evidence types these sources make available.

Justt

Justt partners with hundreds of third party data providers – including shipping carriers, device fingerprinting services, IP intelligence providers, email verification platforms, and fraud detection services. The platform continuously analyzes which data sources are most relevant and effective for each dispute type, and seamlessly integrates the most compelling points in chargeback responses.

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

The best chargeback solutions continuously optimize dispute responses with a combination of A/B testing and machine learning. Granular adjustments are finetuned to meet issuer preferences and evolving payments ecosystem demands – based on the strategies that proved most effective in prior cases.

Midigator

To the best of our knowledge, Midigator does not offer any automated continuous optimization. Merchants craft their own representments based on customizable templates, reducing the degree of structural variance required for case-by-case optimization. The off-script nature of DIY merchant responses acts as a further barrier to the granular adjustment needed for continuous optimization.

Justt

Justt conducts rigorous A/B testing across the entire dispute process, isolating factors that prove instrumental in securing chargeback reversals. Every detail – from individual data points and evidence types to argument structure, formatting, and language style – is subject to granular adjustment based on the outcomes of millions of previous cases. This strategy means that win-rates continue to rise as the system learns and evolves.

In addition, Justt applies its learnings across all its customers, meaning that merchants benefit from any expertise and testing in the Justt network as a whole.

7. Industry Expertise

Chargeback solutions need to stay informed and compliant with frequently updated card scheme rules and regulations. It is essential that your chosen solution possesses the considerable industry expertise required to negotiate these changes – otherwise disputes may be forfeit.

Midigator

While Midigator has acquired significant industry expertise since launching in 2013, the fact that templates are manually populated by internal teams means that each chargeback carries the risk of human error – merchants must personally keep up to date with rule changes to assure they remain compliant.

Justt

Justt infuses over a century of combined industry expertise into its core platform features, with sector-, PSP-, and card scheme-specific knowledge incorporated into the AI that powers Justt’s revenue recovery system. The automated nature of the platform allows more resources to be devoted to keeping track of industry changes and continuous analysis of rules, regulations, and trends in win/loss data.

8. Effective Reporting & Unified Visibility Across Payment Processors

Chargeback analytics and reporting capabilities enable merchants to understand and make informed decisions surrounding chargeback volumes, causes, and revenue retention.

Midigator

Midigator offers basic reporting and analytics capabilities through a consolidated dashboard that displays ongoing chargebacks, win-rates, and historical chargeback volumes.

Justt

Justt provides comprehensive dispute reporting capabilities via the platform’s Insights and Analytics dashboard – a unified and user-friendly viewpoint that eliminates the need for merchants to log in to multiple portals to access key information. The platform categorizes disputes by reason code, product type, geography, payment method, and numerous other factors to make revenue recovery more explainable and transparent.

9. Forecasting and Revenue Prediction

Historical chargeback data can be used to forecast revenue retention, win rates, chargeback volumes, and even to pinpoint the root causes of disputes. This allows finance departments to make informed spending decisions many months in advance, and operations teams to reduce disputes by targeting problem processes.

Midigator

According to our information, Midigator has yet to implement forecasting capabilities or root cause analysis. Merchants who wish to access these insights may need to perform analysis in-house or seek out complementary tools.

Justt

Justt’s Insights and Analytics dashboard is equipped with comprehensive forecasting capabilities. From this single viewpoint, merchants can forecast revenue retention, chargeback volumes, and the likelihood of winning ongoing chargebacks. Meanwhile, the platform’s root cause analysis feature both identifies chargeback causes, and suggests actions to reduce incoming dispute volumes.

10. Easy Integration and Quick Setup

Complex or prolonged setups delay chargeback reversal and leave your revenue defenseless. Look for a solution that offers a simple and rapid implementation.

Midigator

Midigator’s simple API-based set up supports 14 PSPs out of the box. Merchants using unaffiliated payment processors, or those with more complex data storage facilities, may face a longer implementation period.

Justt

Justt’s platform is designed for rapid implementation with even the most complex enterprise environments. A robust network of industry partnerships allow the solution to support +50 PSPs out of the box, while Justt’s dedicated integrations team are adept at designing custom connections for clients with unique requirements.

11. Integrated Chargeback Alerts

While almost every chargeback is worth fighting, extremely low-value disputes and those arising from merchant error may be best handled with a refund – potentially saving time and chargeback fees that would almost certainly be lost otherwise. Pre-dispute alerts provide a vital response window in which to issue refunds before disputes escalate to formal chargebacks.

Midigator

Midigator offers Ethoca Alerts and Verifi’s CDRN. The platform also features an engine that automatically refunds certain low win-likelihood disputes.

Justt

Justt provides integrated Ethoca alerts and Verifi CDRN, alongside the platform’s AI-driven Dispute Optimization feature. This new program analyzes success likelihood, cost of loss, chargeback value, and any data enrichment possibilities to determine whether fighting any given chargeback is likely to generate positive ROI. Merchants can use Dispute Optimization to automate the decision making around refunds, or as a highly-informed pre-dispute alert.

See the Difference on Your Own Chargebacks, with Zero Risk

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. That means you can see how Justt performs in real-world conditions with zero risk to your revenue.

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