Chargebacks occur when a cardholder disputes a transaction on their account and requests that their bank or card issuer reverse the charge, thereby removing funds from the merchants account and recrediting the cardholder’s account.
Chargebacks serve an important and legitimate role in finance: they protect consumers from a wide range of problems that can arise when purchasing products or services (e.g. defective goods), or due to credit card fraud (e.g., identity theft and unauthorized transactions).
However, more and more cardholders are filing chargebacks for legitimate transactions, which costs merchants money and hurts their reputation.
Once a chargeback is filed, both the merchant and the issuing bank participate in a process in which they present their competing claims. The process is governed by specific rules and regulations, which vary based on the card scheme, the region, and other factors.
Justt helps merchants by automating their part of the process and submitting customized, high-quality chargeback dispute claims.
For a more detailed walkthrough of the process, check out our blog post on how chargebacks work.
It can take up to 120 days, depending on the reason code under which it was filed.
Chargebacks are complicated, time-consuming, and costly. The card issuers (Visa, Mastercard, and others) regularly change their rules, requiring chargeback analysts to continuously keep up with changing regulations. Merchants that deal with chargebacks in-house must divert attention and resources away from their core business to handle them. Chargeback volume also fluctuates as transactions rise and fall. Merchants with seasonal businesses struggle to handle sudden increases in chargeback related labor.
The most impactful data points for chargeback wins depend entirely on the types of disputes your business faces. Delivery confirmations typically prove essential for refuting claims of non-delivery, while biometric authentication, and other anti-fraud records provide vital layers of protection that help overturn claims of true fraud.
Third-party data enrichment often provides the strongest evidence because it comes from objective sources. Examples include carrier delivery confirmations, geolocation verification matching IP addresses to delivery locations, and shipping provider records showing successful delivery.
With friendly fraudsters becoming increasingly creative in their chargeback claims, the most important thing you can do is arm yourself with as many evidence types as possible. Justt continuously collects evidence from +500 data sources, including internal merchant systems, PSPs, and third-party providers. This approach protects you against the widest variety of friendly fraud, while providing compounding layers of evidence that better persuade issuers making the final decision.
The key is matching the right evidence to the specific reason code and fraud type, which is why our Dynamic Arguments feature automatically determines which data points will be most compelling for each individual case.
Different industries require specific data points that align with their typical dispute patterns and business models. While this by no means a comprehensive list, this is some of what we are commonly seeing across different sectors:
The key is having access to the right evidence types for your industry’s specific chargeback patterns, which is why Justt’s industry-optimized approach automatically collects the most relevant data points for your business model.
Friendly fraud is very different from true fraud – and this distinction is vital for chargeback recovery. Friendly fraud (or first-party fraud) occurs when cardholders dispute legitimate transactions. They may do this because they genuinely believe the transaction to be fraudulent, as in cases of forgotten purchases, or they might do so intentionally, to game the system. Either way, friendly fraud chargebacks are always illegitimate, and there is no reason why prepared merchants should not win these cases.
True fraud happens when a transaction occurs that was unauthorized by the cardholder. This can happen due to the theft or loss of a physical card, or after cyberattacks like phishing scams or enumeration attacks. True fraud transactions are illegitimate, and result in legitimate chargebacks that merchants are unlikely to win.
Why the distinction matters: True fraud results in legitimate chargebacks – so for revenue recovery purposes, merchants should focus on identifying and blocking these transactions before they occur. Friendly fraud typically represents illegitimate chargebacks that merchants should fight in order to recover revenue through the dispute process. (Read more about types of chargeback tools)
The evidence requirements are different as well: true fraud cases might require proof of authorization (IP addresses, device data, authentication records), while friendly fraud cases need proof of delivery and fulfillment (shipping confirmations, usage logs, account activity). Using the wrong evidence strategy dramatically hurts win rates.
Justt is focused on friendly fraud, but the data it provides can also help you fight true fraud.
Chargeback insurance typically covers chargebacks labeled with a fraud reason code. It does not cover service-related chargebacks, such as chargebacks labeled “merchandise/services not received”. Justt handles all chargeback reason codes.
Focus on these key areas to evaluate whether a vendor can deliver real results:
Automation capabilities: Can they handle 100% of your chargebacks automatically, including seasonal spikes? Do they use dynamic arguments or static templates? How quickly can they adapt to rule changes?
Data access and enrichment: How many PSPs do they integrate with? Can they pull merchant data via API or CSV? Do they have partnerships with third-party data sources for delivery confirmations, IP verification, and other evidence?
Optimization and learning: Do they run A/B tests at granular levels, or just swap templates? How do they leverage network effects from other merchants’ successes? Can they show evidence of improving win rates over time?
Industry expertise: How do they stay current with card network rule changes? Do they have domain experts monitoring industry updates? How quickly do they implement new requirements?
ROI-based decisions: Do they offer dispute optimization to evaluate which chargebacks are worth fighting? Can they factor in PSP-specific fees and processing costs?
Reporting and visibility: Do they provide unified dashboards across multiple PSPs? Can you track open cases and add merchant data? Do they offer predictive forecasting for cash flow planning?
Security and compliance: Do they meet enterprise security standards (SOC 2, ISO certifications, GDPR/CCPA compliance)? What’s their track record with regulated industries?
Integration and setup: How quickly can you start recovering revenue? Do they support your existing payment stack without major changes?
To learn more about this topic, read 10 Things You Need for Chargeback Automation.
The short answer is yes. Manually handling chargebacks is costly and time-consuming for even the best in-house teams. Given the unpredictability of chargeback volumes, manual approaches mean that you will have idle hands on your payroll during quiet periods, and overwhelmed staff when disputes rise. Seasonal surges, product launches, and rapid business growth can each produce huge influxes of chargebacks that leave manual teams scrambling to meet deadlines, resulting in significant win-rate decline and revenue loss.
AI-driven outsourcing (actually the use of chargeback automation solutions) relieves your team of this burden entirely, enabling instantaneous and superhuman responses for every dispute. Not only will your response quality and win-rates rise, but your employees will be able to concentrate all their efforts on core business concerns.
We recommend using Net Dollar Recovery (NDR) to measure the true financial impact of your chargeback program rather than just win rates. To do so, you should:
Calculate your current costs: Include chargeback volume (total dollar value), internal labor costs (staff salaries dedicated to chargebacks), chargeback fees, fines for unsuccessful disputes, platform costs, and any late submission penalties.
Factor in what you’re missing: Most manual teams only dispute 50-70% of chargebacks due to resource constraints, leaving significant revenue on the table. Calculate the potential recovery from disputing 100% of winnable cases.
Consider recent fee changes: New fees like Stripe’s $15 representment fee and Visa’s $7 acceptance fee change the economics significantly. A manual team with an 18% win rate could see negative net recovery when these fees apply.
Compare automation benefits: Higher win rates (typically 35-45% vs 15-25% manual), 100% dispute coverage, elimination of labor costs, and reduced fees from improved quality and timing.
Justt provides a free NDR calculator that models these scenarios using your specific data. The typical result shows automation recovering 2-3x more net revenue while reducing total program costs. The ROI calculation should also account for the opportunity cost of having your team focus on core business activities rather than manual chargeback management.
To understand your potential savings, talk to a Justt expert (free).
Yes. Justt’s approach is specifically optimized for different industry verticals, taking unique chargeback patterns and evidence requirements into account. Each industry vertical uses different data points that matter most for their specific chargeback reason codes. Our system accounts for these differences in two ways:
Justt works with prominent clients in many different industries – including retail, SaaS, travel and hospitality, crypto, subscriptions, and more. You can see details of how we work with different industries in the industry-specific section of this FAQ, below.
Justt uses Dynamic Arguments to craft, on an argument by argument basis, chargeback representments, based on data enrichment, reason codes, industry, PSP and more.The system analyzes multiple factors for every dispute: reason code, transaction details, customer history, PSP, issuer, card scheme, and available evidence. Based on this analysis, it automatically determines which arguments will be most compelling for that particular case.
For example, a “Transaction Not Authorized” chargeback triggers the system to pull transaction metadata like IP address, device ID, and past order history to build a case-specific argument proving the purchase was legitimate.
The platform also considers the decision-maker on the issuer side – how much time they typically spend reviewing evidence and what they’re looking for. This ensures the most relevant data gets prominently featured in the representment.
Rather than using generic templates, every dispute gets a custom response built from the specific combination of merchant data, PSP data, and third-party evidence that’s most likely to win that particular case. The system continuously learns from millions of disputes to refine these data-matching decisions over time.
Dispute Optimization is an AI-driven feature that evaluates each chargeback individually to determine whether fighting it will generate positive ROI, then automatically recommends or takes action accordingly.
The system calculates expected returns by analyzing chargeback amount, estimated win probability, applicable fees (including new charges like Stripe’s $15 representment fee and Visa’s $7 acceptance fee), processing costs, and available evidence quality. If projected net recovery is positive, it submits a response automatically. If negative, it accepts the chargeback to minimize costs.
This approach emerged because the chargeback ecosystem is becoming more complex with additional fees that make some low-value or low-probability disputes unprofitable to fight. Rather than applying broad filters by reason code or transaction amount, Dispute Optimization makes case-by-case decisions based on the specific characteristics of each dispute.
You maintain full control – you can review recommendations manually, set automated policies for different scenarios, or treat the system as an assistant to help prioritize cases. The goal is maximizing net dollar recovery rather than just win rates, ensuring you focus resources on disputes that will actually improve your bottom line.
Dynamic Arguments is Justt’s AI-powered technology that creates custom, optimized chargeback responses for each individual dispute instead of using generic templates.
The system analyzes each chargeback’s unique characteristics – reason code, transaction details, customer history, available evidence, issuer preferences, and more – then automatically crafts the most compelling response. It determines which data points to use, what arguments to make, how to design and order those arguments, and how much evidence to submit based on what has historically worked best for similar cases.
Unlike static templates that rely on one-size-fits-all approaches, Dynamic Arguments adapts to the specific situation. For example, a “Transaction Not Authorized” chargeback would trigger the system to pull relevant transaction metadata like IP address and device ID, then structure these into a case-specific rebuttal proving the purchase was legitimate.
The technology continuously improves through machine learning and A/B testing. Every dispute outcome teaches the system which presentation approaches work best for specific scenarios, creating a feedback loop where win rates improve over time. This enables ongoing optimization that manual or template-based processes can’t match.
Dynamic Arguments also considers the reviewer on the issuer side – how much time they typically have (usually just 3 minutes), what they’re looking for, and how to present the strongest evidence prominently to capture their attention immediately.
Most fraud solution companies focus on the prevention of fraudulent transactions that trigger chargebacks by reviewing transactions before they are approved and looking for signs of probable fraud.
Justt addresses all chargebacks after transactions have been completed by building the evidence to dispute the chargeback and recover the lost funds.
While some anti-fraud solutions provide a “chargeback guarantee”, this will typically only cover the financial loss of chargebacks filed under a fraud reason code. They do not cover service-related chargebacks, such as “merchandise/services not received.” Justt handles all chargeback reason codes.
To provide optimal chargeback outcomes, Justt uses evidence from merchant or third party systems, to prove that the chargeback was not justified. Many merchants find that adding data points as evidence to chargeback disputes is a repetitive and time consuming process. As a result, changeback automation systems seek to make this process faster and integrated, requiring as little manual work as possible, but still resulting in the higher win rates typical to data enriched chargeback representments.
With Justt, as an automation-first platform, the process is designed to be as hands-free as possible, while still allowing merchants to maintain full control over which data is shared and how. Whether you need direct API connections, scheduled batch transfers, or manual uploads, Justt can ingest whatever data types will strengthen your chargeback responses. The platform handles complex enterprise environments where data lives across disparate systems and formats.
For data from your own systems, you can share information via an API connection, CSV upload, or by manually adding evidence to a specific case – whatever works best for your technical environment. You can even go live without adding any additional data initially, then enhance your integration over time.
For PSP data, Justt automatically connects to over 50 payment service providers, eliminating the need to manage multiple portal logins or API connections yourself. We standardize data from different PSPs to simplify evidence generation for disputes, as well as providing a unified view of your chargebacks for reporting and analytics purposes.
For third-party data, Justt maintains partnerships with hundreds of external databases and service providers. This includes shipping carriers, device fingerprinting services, IP intelligence providers, email verification platforms, and more – all accessible without you needing to set up individual vendor relationships.
See our full list of integrations.
Yes! Justt’s alerts feature works to combine all chargebacks alerts into one single dashboard for easy management and helps merchants proactively issue refunds to avoid chargebacks and penalties.
Yes. Justt allows you to accept certain categories of chargebacks rather than fighting them. You can configure your own parameters, including PSP-specific fees, and choose how much automation you want. Options include reviewing recommendations manually, setting automated policies for negative ROI cases, or treating the system as an assistant to help prioritize rather than taking full control.
Learn more: Dispute Optimization with Justt
Integrating with Justt is easy. Just follow these simple steps:
Use the Justt admin tool to easily view progress, insights, success ratios, and the status of each and every chargeback process in the works.
Yes! A completely hands-off chargeback mitigation service is available to you via integration with the Justt API or our team will work with your team to set up an integration that works for you. However, if you’d prefer to use Justt without any integration, you can do that too!
Yes. As an enterprise-ready platform, Justt meets the strictest security and compliance standards required by regulated industries and high-risk sectors.
Justt maintains comprehensive security certifications including:
Learn more about compliance and trust at Justt.
Just is a fully automated chargeback solution that leverages machine learning to improve your win rates over time.
Save Time With Automation
Justt automatically handles every last detail related to chargebacks, leaving you to focus entirely on your business. Say goodbye to manual processes and sit back and relax while Justt automatically responds to all your chargebacks on time.
Automatically improve your win-rate over time
Justt doesn’t use rigid templates to fight chargebacks. Instead, Justt uses dynamic arguments to pull in relevant data to each chargeback, building customized representments.
Justt also A/B tests different data points, arguments, the design and placement of arguments and more. These learnings are then implemented across all merchants working with our platform, increasing win-rates over time.
A user-friendly dashboard for progress, data, and analysis
Finance teams love Justt. An easy-to-use dashboard will help you keep track of the status of your chargebacks and gain insights to guide decision-making. Justt not only handles your chargebacks, we help you forecast and gain insight into what’s coming for your company.
24/7 support
The Justt expert support team is available whenever you need us, for any and all issues.
Chargeback Experts At Your Disposal
The Justt team has unmatched expertise and years of experience in the chargeback mitigation industry. Partnering with us gives you access to top-tier experts who will offer you tips and information to reduce your risks as an online merchant.
No. Justt provides comprehensive dashboards with real-time updates across all payment processors, giving you better visibility than most manual approaches.
The Insights & Analytics dashboard shows dispute outcomes, recovery rates, financial impact, and monthly reports with full explanations of performance changes. You can see all chargeback disputes in one place instead of logging into different PSP portals, filter chargebacks by reason codes, and understand why rates change over time.
You maintain full control over key decisions. You can track open chargebacks, add merchant data to improve win rates, override any automated recommendations, and set custom policies for different scenarios. The platform provides predictive forecasting to help with cash flow planning and shows you exactly which cases are being disputed and why.
Rather than losing control, most merchants find they gain visibility they never had before – unified reporting across all PSPs, detailed explanations of monthly performance changes, and clear insights into what operational changes can improve revenue recovery.
For automated chargeback management, Justt uses success based pricing. You only pay when you win a chargeback.
For more information, please contact us.
Justt handles PSP integrations automatically through secure, enterprise-grade connections that meet the highest compliance standards.
The platform integrates with over 50 PSPs including Stripe, Adyen, PayPal, Braintree, Nuvei, and others using their official APIs. This eliminates the need for you to manage multiple portal logins or API connections yourself, while ensuring all data exchange follows SOC 2, ISO 27001/27017/27018/27701, GDPR, and CCPA compliance requirements.
All PSP data is automatically collected and standardized, so you see everything in one unified dashboard instead of logging into different portals. The integration pulls transaction metadata like AVS/CVV matches, 3D Secure verification results, authorization codes, IP addresses, and device information from checkout.
You maintain control over data sharing – the platform works with whatever level of integration fits your security requirements, from basic transaction data to full evidence enrichment. Setup is typically completed within days, not weeks, with minimal technical overhead on your end.
Justt works with large retailers, handling a broad range of chargeback-related challenges. Traditional retailers, whether online or in-store, face disputes arising from unrecognized charges, fraud, and fulfillment issues. Customers may also falsely claim returns or non-receipt of goods.
To resolve these challenges, Justt seamlessly integrates with POS and ecommerce systems to furnish representments with compelling evidence, such as POS transaction IDs, receipts, shipment tracking, and refund confirmation, that can instantly overturn the vast majority of retail chargebacks. For disputes where this data isn’t enough, Justt’s +500 PSPs and third-party partners can pull cardholders’ fraud histories, geodata, and more, to prove your transactions’ legitimacy beyond any doubt.
As a prime target of friendly fraudsters, the digital goods industry has long been one of Justt’s key areas of focus. The sector faces enormous volumes of “liar-buyer” claims, where cardholders intentionally misrepresent a situation to secure both the product and a refund. The most common digital goods dispute scenarios surround claims of ‘item not received’ or unauthorized charges, both of which prove fraudulent more often than not.
Fortunately, Justt’s technology is expressly designed to counter these claims. The platform automatically pulls proof of collection, usage logs, digital signatures, and other cardholder data to create compelling, dispute-specific responses. Furthermore, the platform’s end-to-end automation allows for limitless scalability, making it ideal for high-volume digital goods business models.
Factors ranging from event cancellation to buyers’ remorse combine to make travel one of the sectors worst hit by fraudulent chargebacks. Illegitimate disputes often arise due to misunderstandings surrounding liability, claims of poor service, delays, and non-refundable ticket disputes.
Justt’s platform continuously collects, consolidates, and analyzes travel records, cancellation data, and refund policies to validate whether passengers flew, were properly refunded, or adequately serviced. This allows our custom representments to detail precisely why most of these chargebacks are illegitimate, and to reclaim the vast majority of your contested revenue.
Justt’s platform is fluent in reversing the frustrating and complicated chargebacks that most event ticketing businesses receive daily. These disputes often claim that tickets weren’t delivered, seats weren’t as described, or even – bafflingly – that the event itself did not live up to their expectations.
Justt continuously pulls data – such as ticket IDs and scan records, delivery emails, refund/cancellation policies, and event rescheduling information – to serve as compelling evidence that the cardholder was in attendance and got what they paid for.
SaaS enterprises represent a huge proportion of Justt’s client base – and for good reason. Our experts’ extensive domain knowledge is reflected by smart software that makes light work of reversing SaaS disputes. These typically arise due to the industry’s recurring charges, which lead to illegitimate chargebacks from customers who forget to cancel or don’t understand the billing terms.
Justt’s sophisticated APIs continuously collect and analyze usage logs, account information, billing histories, and service agreements, to prove that cardholders knowingly subscribed and used SaaS services. Meanwhile, the platform’s end-to-end automation means that our experts can respond immediately to frequent changes in card networks’ rules for subscriptions. This comprehensive automation also means that SaaS companies facing high dispute volumes can rest assured that every dispute is handled instantly, with the care and nuance it deserves.
Cryptocurrency purchases are especially prone to friendly fraud due to the regret many cardholders experience after making a poor investment. Unfortunately, the industry also suffers from high rates of true fraud, which can act like a smoke screen for friendly fraudsters eager to pass off their purchase as the result of stolen card details.
Justt counters these claims by continuously collecting data such as blockchain TXIDs, wallet addresses, ID verifications, crypto purchase amounts, and exchange rates. The platform transforms this information into nuanced arguments that prove delivery and authorization beyond doubt.
The emotion-driven purchases and mounting microtransactions that gaming involves often lead to buyers’ remorse and disputes later down the line. Chargebacks also arise from minors making unauthorized purchases, or cardholders requesting their money back after completing the game.
Fortunately, Justt’s comprehensive automation makes it extremely profitable to dispute these high-volume, low-value chargebacks. The platform combines extensive domain expertise in family fraud and misuse, with gaming specific data – such as account registration, purchase logs, in-game usage data, IP/device info, KYC data, email/phone verification. The resulting representments typically put a swift end to friendly fraudsters’ attempts to game the system.
Cardholders frequently dispute charges for services they believe were not completed or proved unsatisfactory, even if it was largely down to a poor investment on the cardholder’s part. Meanwhile, recurring billing for SaaS-based financial services add further confusion, leading to frequent claims of unauthorized transactions.
Justt’s experts have decades of experience reversing financial services chargebacks – reflected in algorithms that fluently integrate usage data, work logs, service agreements, and login records to show that financial services were fully rendered. The platform’s end-to-end automation allows our experts to concentrate on finetuning the system to adhere to fast-developing financial regulations, and produce tailored arguments that engage with the nuances of liability law.
Chargebacks occur when a cardholder disputes a transaction on their account and requests that their bank or card issuer reverse the charge, thereby removing funds from the merchants account and recrediting the cardholder’s account.
Chargebacks serve an important and legitimate role in finance: they protect consumers from a wide range of problems that can arise when purchasing products or services (e.g. defective goods), or due to credit card fraud (e.g., identity theft and unauthorized transactions).
However, more and more cardholders are filing chargebacks for legitimate transactions, which costs merchants money and hurts their reputation.
Once a chargeback is filed, both the merchant and the issuing bank participate in a process in which they present their competing claims. The process is governed by specific rules and regulations, which vary based on the card scheme, the region, and other factors. .
Justt helps merchants by automating their part of the process and submitting customized, high-quality chargeback dispute claims.
For a more detailed walkthrough of the process, check out our blog post on how chargebacks work.
It can take up to 120 days, depending on the reason code under which it was filed.
Chargebacks are complicated, time-consuming, and costly. The card issuers (Visa, Mastercard, and others) regularly change their rules, requiring chargeback analysts to continuously keep up with changing regulations. Merchants that deal with chargebacks in-house must divert attention and resources away from their core business to handle them. Chargeback volume also fluctuates as transactions rise and fall. Merchants with seasonal businesses struggle to handle sudden increases in chargeback related labor.
Most fraud solution companies focus on the prevention of fraudulent transactions that trigger chargebacks by reviewing transactions before they are approved and looking for signs of probable fraud.
Justt addresses all chargebacks after transactions have been completed by building the evidence to dispute the chargeback and recover the lost funds.
While some anti-fraud solutions provide a “chargeback guarantee”, this will typically only cover the financial loss of chargebacks filed under a fraud reason code. They do not cover service-related chargebacks, such as “merchandise/services not received.” Justt handles all chargeback reason codes.
Just is a fully automated chargeback solution that leverages machine learning to improve your win rates over time.
Save Time With Automation
Justt automatically handles every last detail related to chargebacks, leaving you to focus entirely on your business. Say goodbye to manual processes and sit back and relax while Justt automatically responds to all your chargebacks on time.
Automatically improve your win-rate over time
Justt doesn’t use rigid templates to fight chargebacks. Instead, Justt uses dynamic arguments to pull in relevant data to each chargeback, building customized representments.
Justt also A/B tests different data points, arguments, the design and placement of arguments and more. These learnings are then implemented across all merchants working with our platform, increasing win-rates over time.
A user-friendly dashboard for progress, data, and analysis
Finance teams love Justt. An easy-to-use dashboard will help you keep track of the status of your chargebacks and gain insights to guide decision-making. Justt not only handles your chargebacks, we help you forecast and gain insight into what’s coming for your company.
24/7 support
The Justt expert support team is available whenever you need us, for any and all issues.
Chargeback Experts At Your Disposal
The Justt team has unmatched expertise and years of experience in the chargeback mitigation industry. Partnering with us gives you access to top-tier experts who will offer you tips and information to reduce your risks as an online merchant.
Yes! Justt’s alerts feature works to combine all chargebacks alerts into one single dashboard for easy management and helps merchants proactively issue refunds to avoid chargebacks and penalties.
Yes! A completely hands-off chargeback mitigation service is available to you via integration with the Justt API or our team will work with your team to set up an integration that works for you. However, if you’d prefer to use Justt without any integration, you can do that too!
Integrating with Justt is easy. Just follow these simple steps:
Use the Justt admin tool to easily view progress, insights, success ratios, and the status of each and every chargeback process in the works.
Chargeback insurance typically covers chargebacks labeled with a fraud reason code. It does not cover service-related chargebacks, such as chargebacks labeled “merchandise/services not received”. Justt handles all chargeback reason codes.
For automated chargeback management, Justt uses success based pricing. You only pay when you win a chargeback.
For more information, please contact us.
