Israel-based Justt has introduced platform upgrades, including multilingual dispute management and centralized chargeback approval, aimed at simplifying cross-border disputes and improving efficiency for global merchants.
The new features allow merchants to set custom rules for recurring disputes and manage chargebacks centrally through Justt’s interface.
As chargeback volumes are projected to rise 42% by 2026, Justt’s AI-driven tools offer merchants an automated way to handle cases such as friendly fraud.
Justt, an Israel-based company leveraging AI to automate the chargeback process, unveiled some major platform upgrades this week. Among the changes are multilingual dispute management and centralized chargeback approval.
Justt’s newly launched multilingual dispute management offers automatic translation for dispute evidence. The company anticipates that this feature will simplify cross-border disputes by removing language barriers and ultimately allow Justt to better serve global merchants.
The centralized dispute resolution allows merchants to approve chargebacks through Justt’s interface instead of managing chargebacks in a fragmented way using multiple Payment Service Providers. As part of this, the company also allows merchants to set their own custom rules for recurring disputes, enabling them to automate cases that are predictable and better allocate resources to complex disputes.
Justt anticipates that this change will not only simplify the chargeback approval process, but will also reduce administrative load and speed up dispute decisions to give merchants real-time control over approvals.
“We are fundamentally changing how merchants manage chargebacks,” said Ofir Tahor, CEO of Justt. “This is a significant step in our mission to equip merchants with AI-driven tools, allowing them to simplify complex challenges and focus on growing their businesses.”
Justt was founded in 2020 to help merchants resolve illegitimate chargebacks by using AI to boost recovery rates. The company’s platform integrates with over 40 payment service providers, including Stripe, PayPal, and American Express. Merchants can use Justt’s platform to view and manage all chargeback-related data in one place, and quickly resolve the dispute process. Justt has raised a total of $11 million from investors including Former PayPal President David Marcus and Citi Ventures.
Since the increase in ecommerce activity has taken off in the past five years, there has been a substantial increase in chargeback volumes. According to Mastercard, chargeback volumes will reach 337 million by 2026, which represents a 42% increase from 2023 levels. This rise can be attributed to the growing complexity of the dispute resolution process as well as friendly fraud, where consumers dispute legitimate transactions. Friendly fraud rates, according to Chargebacks911, have been growing “at somewhere around the 40% rate” every year.
For merchants, chargebacks result in direct financial losses as well as reputation damages, while banks — who have to protect consumers while being fair to merchants — face operational burdens. Looking ahead, the chargebacks puzzle will become more complicated. That’s because, as third party providers like Justt advance their practices using AI, the rise in real-time payments will create headaches by providing more opportunities for both legitimate and illegitimate chargebacks to take place.
Photo by Nataliya Vaitkevich
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