Justt (founded 2020, formerly AcroCharge) is an AI representment specialist — its dynamic arguments connect to 500+ data points and its Dispute Optimization decides whether to fight or accept each dispute by predicting ROI. It's strong for complex, high-volume recovery. Aurai matches the AI-and-pay-on-wins model with a simpler, self-serve 25%-on-wins setup and fraud prevention built in. For Stripe/Shopify ecommerce wanting prevention plus recovery in one place, Aurai is the cleaner fit.
What is a chargeback (and why automate it)?
A chargeback happens when a customer disputes a card payment with their bank instead of contacting the merchant. The bank pulls the funds back, adds a fee, and the merchant has to submit evidence to win the money back — within a tight deadline. At scale, chargebacks quietly drain margin and can put your payment account at risk.
The average card-not-present chargeback rate now runs between 0.6% and 1%, and friendly fraud — where a real customer disputes a legitimate purchase — makes up the majority of cases and is projected to keep climbing through 2026. Card networks have responded with standards like Visa Compelling Evidence 3.0 (CE 3.0), which lets merchants submit prior-transaction evidence to defend fraud disputes; Visa reports around 90% of surveyed merchants now use it. A good tool should support these standards out of the box.
At a glance
| Feature | Aurai | Justt |
|---|---|---|
| Pricing model | 25% of won disputes | Success-based (pay on win) |
| Monthly / setup fees | None | Quoted per merchant |
| Approach | Autonomous AI agent | AI representment + dispute optimization |
| Setup | Self-serve, ~2 minutes | Onboarding with CS team |
| Evidence engine | Tailored, agent-built | Dynamic arguments, 500+ data points |
| Fraud prevention | Built in (Aurai Prevent) | Pre-chargeback alerts |
| Best fit | Stripe/Shopify ecommerce | Complex, multi-industry, high volume |
Pricing
Both are success-based — you pay only when a dispute is won. Aurai publishes a flat 25% of won disputes with no monthly or setup fee. Justt is also pay-on-win but quotes pricing per merchant rather than publishing a flat rate, so the exact percentage depends on your volume and profile.
Aurai example. Justt's rate is quoted per merchant.
Automation & setup
Justt is an AI representment specialist. Its dynamic arguments tailor every evidence document to the reason code, issuing bank, and card network, drawing on 500+ data pointsand continuous A/B testing to improve win rates over time. Its Dispute Optimization predicts the ROI of each dispute — factoring fees like Stripe's lost-dispute fee — and recommends whether to fight or accept.
Aurai's autonomous agent similarly builds tailored, reason-code-specific rebuttals and submits them automatically (~90 seconds each), and additionally screens incoming orders for fraud — all from a two-minute self-serve setup.
Integrations
Justt integrates with your PSP plus dozens of third-party data sources to enrich evidence, and serves many verticals (retail, travel, SaaS, gaming, crypto, ticketing). Aurai connects directly with Stripe, PayPal, and Shopify — the core ecommerce stack — with a fast self-serve connection.
Fraud prevention
Justt offers pre-chargeback alerts to help manage standing with PSPs and networks and decide ahead of time. Aurai includes fraud screening (Aurai Prevent) in the same platform, scoring and blocking high-risk orders before they ship, so prevention and recovery are unified in one product and one bill.
Key differences explained
Pricing: published flat rate vs quoted
Aurai publishes 25% on wins with no monthly fee. Justt is also pay-on-win but quotes its rate per merchant.
Focus: ecommerce-simple vs multi-industry depth
Aurai is tuned for Stripe/Shopify ecommerce. Justt spans many complex verticals (crypto, gaming, travel, ticketing) and large volumes.
Optimization: built-in agent vs Dispute Optimization
Justt's Dispute Optimization explicitly models fight-or-accept ROI per dispute. Aurai's agent weights disputes and pairs recovery with built-in fraud screening.
Setup: self-serve vs CS-led
Aurai is live in ~2 minutes, self-serve. Justt onboards with a customer-success team.
Pros & cons
Aurai
Justt
Which should you choose?
Choose Aurai if…
- You sell on Stripe or Shopify
- You want a published flat rate
- You want prevention built in
- You want a fast self-serve start
Choose Justt if…
- You operate in a complex/regulated vertical
- You want explicit fight-or-accept ROI logic
- You have very high or unusual dispute volume
- You want a hands-on CS partnership
The bottom line
Justt is a powerful AI representment engine for complex, high-volume, multi-industry merchants who want sophisticated fight-or-accept optimization. Aurai is the cleaner fit for Stripe/Shopify ecommerce brands that want a published 25%-on-wins rate, a two-minute setup, and fraud prevention built into the same platform.
Frequently asked questions
What is a chargeback, and why automate fighting it?
A chargeback is when a customer disputes a card payment with their bank. Automation tools gather evidence and submit a tailored rebuttal before the deadline, so you don't lose winnable revenue.
How does Justt's pricing compare to Aurai?
Both are success-based (pay only on wins). Aurai publishes a flat 25% with no monthly or setup fee. Justt also pays on win but quotes its rate per merchant rather than publishing a flat percentage.
What is Justt's Dispute Optimization?
It predicts the ROI of each dispute — factoring win likelihood, value, and fees like Stripe's lost-dispute fee — and recommends whether to fight or accept. Aurai's agent similarly weights disputes and adds built-in fraud screening.
Which is better for complex industries?
Justt spans many complex verticals (crypto, gaming, travel, ticketing) and large volumes. Aurai is tuned for Stripe/Shopify ecommerce simplicity with prevention built in.
How long does setup take?
Aurai is self-serve and live in about two minutes. Justt onboards with a customer-success team.
Can I switch from Justt to Aurai?
Yes. Aurai connects directly to your payment processor, so you can be running in about two minutes with no data export needed.
Which should I choose, Aurai or Justt?
Choose Justt for complex, high-volume, multi-industry recovery with sophisticated optimization. Choose Aurai for Stripe/Shopify ecommerce wanting a published flat rate, fast setup, and built-in prevention.
Comparison based on publicly available information about Justt as of June 2026. Justt is a trademark of its respective owner. Details may change; verify current specifics on each provider's website.