Justt: what, why, and how

What is a chargeback?

A chargeback is a payment reversal following a credit or debit cardholder’s filing of a payment dispute.

How are chargebacks fought?

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 can take as long as 120 days to resolve.

For a more detailed walkthrough of the process, check out our blog post “How Does a Chargeback Work?”

How long does it take to finalize a chargeback case?

It can take up to 120 days, depending on the reason code under which it was filed.

What are the challenges merchants face when dealing with chargebacks?

Chargebacks are complicated, time-consuming, and costly. The card issuers (Visa, Mastercard, and others) regularly change their complex 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.

How is Justt different from anti-fraud solutions?

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.

The Justt solution addresses all chargebacks after transactions have been completed by building the evidence against chargebacks to recover lost funds.

In addition, anti-fraud solutions that provide a “chargeback guarantee” only cover the financial loss of chargebacks labeled with a fraud reason code. They do not cover service-related chargebacks, such as “merchandise/services not received.” Justt handles all chargeback reason codes.

What are the benefits of using Justt?

  1. There are several:
    • High success rates

    Justt has exceptionally high success rates that are unmatched in the industry:


    83%+ of chargebacks fought

    95% of chargebacks in arbitration

    How is that possible? This isn’t magic; it’s science.

    1. We tailor a solution specifically for each merchant – no generic templates.
    2. We combine machine-powered AI with human-powered know-how.


    • We handle everything

    Justt  handles every last detail related to chargebacks, leaving you to focus entirely on your business.


    • Win-win pricing

    You pay only when we’re able to recover your lost revenues – from which you pay 35% as a fee to Justt. That’s it – fair and simple.


    • A user-friendly dashboard for progress, data, and analysis 

    An easy-to-use dashboard will help you keep track of the status of your chargebacks and gain insights to guide decision-making. And you can view it on any device.


    • 24/7 support 

    The Justt expert support team is available whenever you need us, for any and all issues.


    • Chargeback ninja masters

    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.

Can I use Justt without an API?

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!

How do I set up the Justt solution?

Integrating with Justt is easy. Just follow these simple steps:


  1. Fill out a customized online questionnaire.
  2. Get access to your Justt admin tool and use it to connect us with your PSP.
  3. Our research team will pinpoint the data we need from you to effectively resolve your chargebacks. This process takes 3-5 business days after setting up your PSP.
  4. The required data required is sent to us automatically with our simple API or manually with our uploading tool.
  5. Justt starts handling your chargebacks. It’s that simple and that fair.

How can I track the status of my chargebacks?

Use the Justt admin tool to view progress, insights, success ratios, and the status of each and every chargeback process in the works.

How much does Justt cost?

We charge 35% of the recovered revenue.

No upfront integration fee.

No subscription fees.

We only charge you for won chargebacks. With Justt, you literally cannot lose.

Why isn’t chargeback insurance sufficient?

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.

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