Justt

Justt.ai is an AI-powered chargeback management platform that automates dispute processes for merchants, using machine learning to customize responses and improve win rates over time. It connects to over 500 data points for evidence enrichment and runs continuous A/B tests to optimize outcomes. The system handles chargeback volumes without missing deadlines and includes predictive insights via a central dashboard.

Key features include dynamic arguments that tailor each representment on an argument-by-argument level, dispute optimization that predicts ROI to decide whether to fight or accept cases, and auto-acceptance rules based on configurable policies like dollar value or reason code. It standardizes data from multiple PSPs into a unified interface for management and tracking.

Justt integrates with third-party sources like Ethoca and Verifi for pre-chargeback alerts and supports merchant data addition via API, CSVs, or case-by-case. Security credentials ensure enterprise-level compliance. Pricing is performance-based, charging only upon successful fund recovery, which compares favorably to competitors’ models.

Top competitors include Midigator (now part of Kount), which offers similar automation but with more manual elements, and Chargeback Gurus, focused on consulting alongside tech. Users appreciate the time savings and higher win rates, but note initial setup time and limited reporting as drawbacks. Surprise elements include the platforms self-improvement via AI and its handling of industry changes through expert adaptations.

For practical use, merchants should start by integrating their PSPs and providing initial data for optimal results, then monitor the dashboard for insights and adjust policies as needed to maximize revenue recovery.