ChargeMate vs Justt: Which Chargeback Tool Wins More? [2026]

About Justt

Justt is an Israeli chargeback mitigation platform founded in 2020, headquartered in Tel Aviv with US operations. The company built its platform around a machine learning model it calls “dynamic arguments” — the idea being that the evidence argument submitted to the card network is generated fresh for each dispute, based on transaction characteristics, rather than relying on static templates. Justt is available on the Shopify App Store, and has built integrations with major payment processors to pull dispute data automatically.

The company has attracted attention in the enterprise market, particularly among travel brands, subscription services, and digital goods merchants — verticals where disputes tend to be high-volume and pattern-heavy, making ML optimisation most effective. Justt operates on a pure success-fee model, meaning they earn a percentage of recovered revenue only when a dispute is won.

However, Justt's strength in large-scale automation comes with practical requirements that many small and mid-sized merchants cannot easily meet. The service requires an API integration with your payment processor, which involves engineering work and a compatible processor stack. For merchants operating across multiple processors — or those who simply want same-day dispute handling without technical setup — this is a meaningful barrier.

About ChargeMate

ChargeMate is a chargeback management service built for merchants of all sizes. The service combines AI-assisted response generation with human review on every case — ensuring that each dispute gets both technological efficiency and expert judgment. There is no API integration required; merchants forward their dispute notifications and ChargeMate's specialists handle the rest, from evidence compilation to submission.

ChargeMate works with any payment processor: Stripe, Adyen, Braintree, PayPal, Square, Checkout.com, WorldPay, and others. For merchants using multiple processors — a common situation as businesses grow — this means a single chargeback management workflow regardless of where each transaction was originally processed. The free plan covers three cases per month, making it accessible for merchants who are just starting to experience chargebacks.

Win Rates: ML Automation vs Human Expertise

Justt's machine learning approach is genuinely sophisticated. By analyzing patterns across thousands of disputes in similar verticals, the model can identify which argument structures and evidence combinations are most likely to succeed with specific card networks and reason codes. For high-volume enterprise accounts in narrow verticals like travel or digital goods, this optimization can produce strong results.

ChargeMate targets approximately 85% win rates across dispute types. This is achieved through a combination of AI-assisted response drafting and mandatory human review on every case. The human review step is not just a quality check — it ensures that context-specific factors, unusual evidence situations, and edge cases are handled with judgment that pure ML models can miss. Card network rules change annually; Visa, Mastercard, Amex, and Discover each have specific evidentiary requirements that human specialists track closely.

For merchants with diverse dispute mixes — multiple reason codes, multiple networks, both card-not-present and card-present disputes — the human review model tends to outperform pure automation. Where Justt has an edge is in narrow, homogeneous dispute patterns at very high volume where ML optimization has the most data to work with.