Justt vs Chargeflow: Which Automated Chargeback Tool Wins More? (2026)
Both Justt and Chargeflow are AI-driven, success-fee-only chargeback tools - but they target different merchants. Justt spreads across more processors and leans into travel and subscription verticals; Chargeflow is built tightly around Stripe and Shopify. Here's how the pricing, automation approach, and processor support actually compare.
Quick answer
Justt charges 20–25% of recovered revenue and supports a wider range of processors via ML-generated dispute arguments. Chargeflow charges 25% and integrates with Shopify, Stripe, PayPal and other processors, using AI template responses. Neither offers a flat fee - both scale with dispute value, which matters more as your average order value rises.
How the two approaches differ
Justt's core pitch is machine learning that builds a “dynamic argument” per dispute - pulling in transaction data, reason code, and merchant history to generate a customised response rather than a fixed template. That approach performs best on high-volume, homogeneous dispute types, which is why Justt has built a strong presence in travel and subscription billing, where dispute patterns repeat predictably.
Chargeflow takes a narrower, deeper approach: full automation built specifically around Stripe and Shopify Payments' APIs, with responses generated and submitted without human review. It works well for straightforward disputes on those two platforms but doesn't extend to other processors at all.
Side-by-side comparison
| Tool | Pricing | Processors | Automation | Best for |
|---|---|---|---|---|
| Justt | 20–25% success fee | Stripe + wider range | ML dynamic arguments | Travel, subscriptions, digital goods |
| Chargeflow | 25% success fee | Shopify, Stripe, PayPal + more | AI template responses | Shopify/Stripe ecommerce |
| ChargeMate | 20% of what we recover | Any processor | Human review, every case | SMBs, any processor, no minimum |
Pricing math: what it costs at 40 disputes/month
At 40 disputes/month with a $150 average transaction value and a 75% win rate, Justt's 20–25% success fee runs approximately $900–$1,125/month (30 wins × $150). Chargeflow's 25% on the same volume runs approximately $1,125/month. Both figures grow directly with average order value - a merchant with $400 average disputes pays roughly 2.7x more on either platform.
ChargeMate charges 20% of what it recovers - below the typical rate of either platform, with nothing charged on lost disputes and no integration required.
Want a lower success fee without an integration?
ChargeMate charges 20% of what we recover, works with any processor, and includes human review on every case.
Try free - 3 cases included →Which one fits you?
You run a travel or subscription business with high-volume, repetitive disputes
Best choice: Justt - its ML approach is tuned for exactly this pattern.
You process exclusively through Stripe or Shopify Payments
Best choice: Chargeflow works natively, though at a higher percentage fee than Justt.
You process on a processor neither tool supports
Best choice: Neither Justt nor Chargeflow can help - look at a processor-agnostic option like ChargeMate.
You want predictable, flat per-case pricing instead of a percentage fee
Best choice: ChargeMate - 20% of what we recover, no integration required.
Frequently Asked Questions
What is the main difference between Justt and Chargeflow?▾
Which is cheaper, Justt or Chargeflow?▾
Does Justt work with processors other than Stripe?▾
Is there a flat-fee alternative to both Justt and Chargeflow?▾
ChargeMate
Any processor. 20% of what we recover. Human review.
Start for free - 3 cases included. No integration. No contract. Same-day setup.
Try free → 3 responses includedRelated guides