Justt

Embedded Finance Infrastructure

AI-native chargeback automation platform that recovers lost revenue for merchants at scale.

Overview

Justt is an AI-native chargeback automation platform founded in 2020 in Tel Aviv, Israel by Ofir Tahor and Roenen Ben-Ami. The platform helps merchants globally recover revenue lost to illegitimate chargebacks (friendly fraud) by aggregating chargeback data from 50+ payment service providers into a single unified dashboard and using machine learning to automatically generate customized, evidence-rich dispute responses for every case — without requiring merchants to manage the process manually. Justt also supports pre-chargeback alerts via Ethoca and Verifi integrations, helping merchants issue proactive refunds and protect their PSP relationships before disputes escalate. The core technology is Justt's dynamic arguments system: rather than relying on generic templates, the AI selects, orders, and designs specific arguments for each chargeback based on 500+ data points covering reason code, PSP, card scheme, issuer, historical outcomes, and enriched third-party data (e.g., shipping, IP intelligence, device fingerprinting, delivery confirmation). Cases are submitted automatically and outcomes feed a continuous A/B testing loop that steadily improves win rates over time. Merchants connect via API, CSV upload, or webhook and go live within days. Justt operates on a success-based pricing model — merchants pay only when Justt wins a chargeback recovery. The platform serves 250+ enterprise merchants and 80,000+ SMBs across ecommerce, SaaS, gaming, travel, crypto, ticketing, and hospitality verticals. Named to the 2026 Forbes Fintech 50, Justt has raised $100 million total across four rounds, including a $30M Series C in December 2024 led by Zeev Ventures. The company tripled revenue in 2023 and achieved 2x+ growth in 2024.

Key features

• AI dynamic arguments — per-case evidence tailored by reason code, PSP, and issuer
• 50+ PSP integrations — auto-collects and standardizes chargeback data
• Pre-chargeback alerts — Ethoca and Verifi-powered prevention via proactive refunds
• Dispute optimization — AI-scored fight-or-accept recommendations factoring fees and win likelihood
• Continuous A/B testing — learns from outcomes to improve win rates over time
• Centralized dashboard — unified reporting, predictions, and multi-PSP data