Chargeback.io vs Justt: What Each Says It Does

One vendor stops chargebacks by refunding early. The other builds AI cases to fight them. Here is what each says, side by side, so you can match the claims to your shop.

October 2026

Two vendors sell software for the same problem. Chargebacks cost merchants money, and each company says its platform is the answer. Below, their own claims sit side by side. Each claim comes from what the vendor says about itself. You can judge which features fit your shop.

What each vendor says it is

Chargeback.io calls its product a solution that prevents chargebacks on autopilot. It says it spots incoming disputes. It then refunds them on its own, so the chargeback never lands.

Justt's site describes its platform as AI-native, enterprise-grade chargeback management. Justt says it uses advanced AI technology to deliver customized, automated solutions for merchants.

That is the core difference in how each vendor talks about itself. One frames the job as prevention. The other frames it as management across the whole dispute.

How each vendor says it prevents chargebacks

Chargeback.io is blunt about its method. It says the system detects chargebacks before they happen. You can then refund before the dispute starts. The customer gets their money back from you before a chargeback occurs.

Justt takes a different route to the same goal. Its site says Order Insight and Consumer Clarity resolve cardholder confusion. That happens before any dispute is filed. The idea is that a confused customer who gets answers does not call their bank.

Justt also says it integrates Ethoca and Verifi alerts directly. You set the rules, and refunds happen on their own. So both vendors touch the same alert networks, but they describe different defaults. Chargeback.io says the refund happens on its own. Justt says you set the policy the automation follows.

Chargeback.io says it is an official partner of Ethoca and Verifi. That is its own claim about its standing with those networks.

How each vendor says it fights disputes once filed

This is where the two part ways most clearly.

Its stated product is the early refund.

Justt puts its weight here. Its site says Dynamic Arguments builds proof for every dispute. It does this on its own, and backs each case with evidence. Justt's site says it tailors evidence and arguments to the chargeback patterns of your vertical.

Justt's site also says it spots repeat disputers. It does this with data from across a network of merchants. In plain words, it spots customers who dispute a lot. The data comes from many merchants.

Justt believes current solutions for handling first party misuse disputes are unscalable. First party misuse is when a real customer files a false claim. Justt is saying the current ways of handling it do not scale.

Alerts, integrations and payment methods

Chargeback.io's page says it offers a Recurly integration.

Justt's site says its platform handles multiple PSPs and multiple markets. Justt integrates across your payment stack and unifies every chargeback into a single, live dashboard.

Justt's page says it can automatically issue refunds on Apple Pay and Google Pay disputes based on your policies. Its page also names PayPal and Klarna. It says these and other payment methods let you settle with customers first, before a chargeback starts.

Justt's site lists platform, alerts, insights, integrations, and Justt for Shopify among its offerings. The Shopify product is worth noting for merchants on that platform.

Each vendor's own website has the current list of platforms it works with.

Security and compliance claims

Justt says it holds SOC 2 Type II and full ISO 27001-family certifications. Its page also says customer data is segregated and encrypted in transit and at rest.

Ask Chargeback.io directly about security if this matters to your review.

Setup, support and resources

Chargeback.io says setup needs no developers and you just connect and protect.

Chargeback.io says its customer support runs by email, chat, and video at all hours. Its blog is a resource for learning about chargebacks and the payment industry.

Its page lists Roenen Ben-Ami as Co-Founder and Chief Risk Officer. For onboarding questions, Justt's own website is the place to ask.

Which merchant each vendor's stated features suit

The stated features point in different directions.

Chargeback.io's claims suit a merchant that wants chargebacks stopped with little effort. No developers are needed. Refunds happen on their own. It works with Recurly. That fits a business on Recurly that would rather refund than face a dispute.

Justt's claims suit a larger merchant with a complex setup. It works with many payment processors and many markets. It shapes evidence to fit each type of business. One live dashboard holds it all. That fits a merchant who sells in many places at once. It also fits one who must fight disputes, not just refund them.

One sells the refund before the dispute. The other also builds the case after it.

If Chargeback.io is the vendor you are weighing, chargeflow vs chargeback.io compares it with one more rival.