Justt: ML-Powered Chargeback Recovery That Only Charges When It Wins | Review

Justt uses machine learning to automate chargeback representment for online merchants, building bespoke evidence packages for every dispute and only charging a fee when it recovers revenue. In a market where friendly fraud accounts for an estimated 75 percent of all chargebacks, the company's AI-driven approach to evidence gathering and dynamic argument construction is earning attention from merchants and payment processors alike.

Founded 2020 | HQ: Tel Aviv (offices in New York and London) | Funding: $100 million | Series C

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Overview

Justt was founded in February 2020 by Ofir Tahor (CEO) and Roenen Ben-Ami, with Asaf Gozlan as co-founder and strategic advisor. The company emerged from stealth in November 2021 with $70 million already raised, signalling significant investor confidence before the product was publicly known.

The core product automates chargeback representment using machine learning. Rather than applying static templates to disputes, Justt's platform analyses each case individually: reason codes, transaction data, customer history, and available evidence. It then constructs what the company calls "Dynamic Arguments," bespoke representment responses tailored to the specific circumstances of each dispute.

In December 2024, Justt closed a $30 million Series C led by Zeev Ventures, with participation from Oak HC/FT and F2 Venture Capital, bringing total funding to $100 million. Investors include Citi Ventures and Mercer Ventures. Revenue tripled in 2023, grew more than 2x in 2024, and the company projects doubling year-over-year through 2026. Named customers include Melio, Hostinger, and ZenBusiness.

What We Like

Dynamic Arguments that treat every dispute as unique. Most chargeback management platforms apply rules-based templates to disputes. Justt's machine learning analyses each case on its own merits, weighing the reason code, transaction details, customer behaviour, and enriched evidence to construct a tailored representment response. This is genuinely differentiated. Melio achieved an 85 percent win rate with a 54.5-point lift, recovering $376,000 in the first 12 months. Hostinger tripled its win rate within weeks of deployment.

Dispute Optimization filters for ROI before fighting. Launched in June 2025, Dispute Optimization evaluates each chargeback through an ROI lens, factoring in win probability, dispute value, applicable fees, and processing costs. The platform only submits responses when projected net recovery is positive. In a market where Visa and Stripe are adding fees for lost chargebacks, knowing which disputes to fight and which to accept is increasingly valuable.

Success-based pricing aligns incentives. Justt charges a percentage of successfully recovered revenue. No integration fees, no per-case fees, no payment if the dispute is lost. This removes the buyer risk that plagues enterprise chargeback management contracts and creates a direct alignment between Justt's revenue and the merchant's outcomes.

Strong compliance posture for a growth-stage company. Justt holds SOC 2, ISO 27001/27017/27018/27701, and maintains GDPR and CCPA compliance, as documented in its Trust Center. An independently verified A-rated vendor risk report adds further credibility for enterprise procurement teams.

What to Watch

Scale and track record are still maturing. While revenue growth is impressive, Justt does not publicly disclose transaction volumes comparable to Chargebacks911's 2.4 billion annual transactions. The company is on a strong trajectory, backed by $100 million in funding and credible investors, but enterprise buyers should evaluate current processing scale against their own volume requirements.

Developer documentation is not API-first in the traditional sense. Justt's integration relies on managed onboarding and PSP-level connections rather than a fully self-serve developer portal. Merchants accustomed to sandbox environments and comprehensive API reference docs, as offered by competitors like Chargeflow for smaller merchants, may find the process less transparent until onboarding begins.

Competitive market with network-embedded alternatives. The chargeback management space is crowded. Chargebacks911 offers Disputes-as-a-Service across the full payments ecosystem. Verifi (Visa) and Ethoca (Mastercard) have native network integration advantages. As we noted in our analysis of the agentic commerce dispute crisis, the landscape is evolving rapidly, and Justt's position depends on continued differentiation through ML performance.

Pricing & Deployment

Justt operates on a success-based pricing model, charging a percentage of recovered chargeback revenue. No integration fees or per-case charges apply. Alternative pricing structures include a combination of a platform fee and per-dispute fee for merchants preferring predictable costs. Deployment is via API integration with payment processors, with managed onboarding typically completing within two to three weeks.

Compliance & Security

Justt holds SOC 2 and ISO 27001/27017/27018/27701 certifications. The platform complies with GDPR and CCPA requirements. An independently verified A-rated vendor risk report is available through the company's Trust Center. The multi-jurisdiction compliance posture supports merchants operating across North America, Europe, and EMEA.

Verdict

Justt is the right choice for mid-market and enterprise merchants that want ML-driven chargeback automation with aligned incentives. The success-based pricing removes financial risk from the evaluation, and the Dynamic Arguments approach delivers measurable lift over template-based competitors. ZenBusiness achieved 100 percent response rates with zero additional headcount. That is the value proposition in one sentence.

Merchants needing a platform that spans issuers and acquirers alongside merchant representment should also evaluate Chargebacks911. Small Shopify-first merchants may find Chargeflow's self-serve onboarding faster to deploy.

The company's forward-looking positioning on agentic commerce disputes, led by CTO Shahar Tal's insights at ChargebackX on how merchants must prepare for AI agent-initiated chargebacks, signals awareness of where the market is heading. With $100 million in funding and a clear path to profitability by 2027, Justt is building the dispute infrastructure for what comes next.

Try Justt: justt.ai

Editorial disclaimer: Reviews reflect the independent editorial assessment of Major Matters and are not sponsored or endorsed by the companies reviewed. We recommend conducting your own evaluation to determine whether any product is the right fit for your specific requirements.

Charlie Major is a Product Development Manager at Mastercard. The views and opinions expressed in Major Matters are his own and do not represent those of Mastercard.