Resolve SaaS and Subscription Chargebacks Automatically

Chargebacks work by reversing a payment transaction after a cardholder disputes a specific charge with their issuing bank. Once the bank initiates the reversal, they withdraw the funds from the merchant's account while an investigation into the claim occurs to determine if the transaction was valid or fraudulent.

Recurring billing creates a unique problem. Customers forget they signed up. They don't recognize the charge on their statement three months later. Or they swear they cancelled, even when they didn't. Add in confusing billing terms and auto-renewals, and you've got a recipe for friendly fraud. The tricky part? These customers did receive your service. However, you will need usage logs and communication records if you want to prove that without a shred of doubt on the part of the card issuer.

Here's the uncomfortable truth: your dispute count will rise alongside your transactions. The manual process that worked at 500 subscriptions falls apart at 5,000. One month you're on top of it, the next you're drowning. Justt handles 99% of the work without human involvement, so scaling your business doesn't mean scaling your chargeback team.

You need proof the customer knew what they signed up for and actually used it. That means account creation dates, login activity, whether they ever requested cancellation (spoiler: usually they didn't), payment history, the terms they agreed to, and any emails or messages exchanged. Justt pulls all of this from your systems and third-party sources automatically.

Visa and Mastercard update their requirements constantly. The evidence package that won cases six months ago might get rejected today. Keeping track of this yourself is a full-time job nobody wants. Justt's expert team ensures that its AI learns from these updates and adjusts submissions, so you're not chasing rule changes.

Most tools will only get you halfway there. They give you templates sorted by reason code, but someone still has to dig up evidence and stitch together responses. That's a lot of hours. Justt operates hands-free. We collect the evidence, build the argument, submit it, then A/B test across SaaS merchants to figure out what wins. The result? Better rates than most in-house teams can manage.

More than the lost subscription, that's for sure. There's the fee your processor charges per dispute, typically somewhere between $15 and $100. There's the service you already delivered. And if your chargeback ratio climbs too high, you're looking at steeper processing rates or losing your merchant account entirely. For recurring revenue businesses, even a small percentage loss compounds fast.

Over 40 processors work with Justt out of the box. Stripe, Adyen, PayPal, AmEx, Braintree, and plenty of others. If you're using something we don't already support, integrations are straightforward to set up.