Recurly, a subscription management and billing platform, has announced an integration with Justt, an AI-native chargeback management platform, aimed at helping subscription merchants recover revenue lost to chargebacks and reduce the manual work that follows a dispute.
Addressing revenue loss and operational overhead
Chargebacks occur when a customer disputes a charge directly with their bank rather than the merchant. Merchants often respond with incomplete information, and many disputes are resolved against them after weeks of manual effort. Once a dispute is closed, additional work follows: operations teams must update billing records, issue credits, adjust invoices, and trigger the relevant subscription workflows by hand. For companies processing high transaction volumes, this process has been described as fragmented and costly.
According to research from Datos Insights, commissioned by Mastercard, the financial impact of chargebacks on merchants is expected to grow from USD 36.9 billion in 2026 to USD 46.1 billion by 2029.
How the integration works
The integration combines Justt's dispute management capabilities with Recurly's subscription data. Justt's platform builds evidence packages and engages with banks on behalf of merchants on an ongoing basis. Through the connection with Recurly, Justt can access subscription context in real time, including customer history, payment behaviour, usage patterns, and prior billing records. This additional context is intended to strengthen evidence packages and inform dispute strategy, to improve win rates on chargebacks.
Once a dispute is resolved, Recurly's system is designed to handle the resulting administrative steps automatically. Credits are issued, invoices updated, and billing records synchronised without manual intervention, with Recurly functioning as the system of record throughout. According to the companies, this removes the need for reconciliation spreadsheets or manual back-office corrections following a dispute outcome.
The integration reflects a broader trend in subscription commerce, where billing platforms increasingly connect with specialised dispute and risk management providers rather than building these capabilities internally. As chargeback costs are projected to rise over the coming years, subscription merchants face growing pressure to combine accurate transaction data with dispute expertise, while also reducing the manual reconciliation work that has historically followed each case.
