JustiFi is a payment facilitation platform that lets software companies embed payments and onboard sub-merchants. Axiru is the policy and audit layer on outbound money movement. Different problems, different surfaces. Most teams that scale past basic payments need both.
Axiru
JustiFi
Partial means the capability is possible but not turnkey. Our read based on public docs and onboarding conversations; corrections welcome.
| Capability | Axiru Outflow decision layer | JustiFi PayFac-as-a-service for SaaS |
|---|---|---|
Plain-language policy engine for refunds, payouts, transfers | ||
Payment facilitation (PayFac) infrastructure Onboarding sub-merchants, KYC, ledgering at the platform level. | ||
Shadow mode on 90 days of historical Stripe data | ||
Embedded payments UI and acceptance | ||
Approval routing for outbound money movement Refunds, credits, payouts above policy thresholds routed to humans. | ||
Immutable, replayable decision ledger | ||
SOX/ICFR-aligned audit evidence export | ||
Governs AI agent-initiated refunds with same policy as humans | ||
Works on top of your existing Stripe account No migration; Axiru reads/writes through Stripe APIs you already use. | ||
Revenue share on payment volume PayFac platforms take a cut of payment volume; Axiru does not touch the money. |
We build Axiru. We also know when the other answer is the right answer. Here it is.
Pick JustiFi when payment facilitation is your business model: you want to onboard sub-merchants, embed payments inside your product, take economics on processed volume, and own the merchant relationship end to end.
JustiFi's value is in the acquiring rails and the platform-level infrastructure. If that is what you need, Axiru is not a substitute.
Pick Axiru when the question is “should this refund go out, who approved it, and where is the evidence?” Refund leakage, AI agents over-crediting, payouts going out without review, and SOX/ICFR gaps on outbound payments are the canonical Axiru problems.
You can be a JustiFi customer and still need Axiru: payment facilitation does not include a policy engine, approval routing, or an immutable audit ledger on outbound decisions.
JustiFi handles inbound acceptance and sub-merchant ledgering. Axiru sits on the outflow side, governing refunds, credits, payouts, and transfers with policy and approvals before they execute.
If you process a portion of your volume directly through Stripe (most JustiFi-adjacent platforms do), Axiru integrates today on that surface. Native JustiFi integration is on the roadmap.
No. JustiFi is a payment facilitation platform (PayFac-as-a-service) that lets software companies embed payments and onboard sub-merchants. Axiru sits one layer above any payment processor and governs outbound money decisions. Many JustiFi customers also need outflow governance, especially as they enable AI agents to issue refunds.
Axiru is Stripe-native today. If your platform runs payments through JustiFi's Stripe acquiring rails, the integration path is on our roadmap. If you process directly through Stripe (which most JustiFi-adjacent SaaS companies do for a portion of their volume), Axiru integrates today.
JustiFi has light approval primitives inside its dashboard. Axiru is purpose-built for the policy engine, decision ledger, and audit evidence side of the problem and goes deeper on approval routing, identity-based rules, customer-lifetime rules, and SOX/ICFR evidence.
Vertical SaaS companies that need to embed payments, onboard sub-merchants, and own the merchant relationship. If payment facilitation is your business model, JustiFi is built for that and Axiru is not.
Any Stripe-native company where outflows (refunds, credits, payouts, transfers, dispute responses) are large enough that ungoverned decisions cause real leakage, audit pain, or AI-agent risk. Finance, controllership, and support leadership tend to be the buyers.
Pricing models do not overlap. JustiFi monetizes payment volume (basis points on processed payments); Axiru charges per governed decision (each refund/payout/transfer evaluated against policy). You can run both.
Connect Stripe in minutes, upload history, and watch shadow mode replay every refund against the policy you would have run. No code, no enforcement risk, no cost.
Start in shadow mode first. Move to live enforcement later.
Honest capability-by-capability comparison with “when to pick them” section.
Honest capability-by-capability comparison with “when to pick them” section.
Honest capability-by-capability comparison with “when to pick them” section.
Every Axiru head-to-head in one place.
Comparison reflects public information as of May 2026; we update this page when either product changes meaningfully.