A Justifi Monoline charge on your statement is almost always a small insurance premium you agreed to during an online registration checkout, usually for a youth sports league, a road race, or a similar event. Justifi is the payment processor that routes the insurance portion of your purchase, and “Monoline” signals it’s a single-product policy — typically registration cancellation or refund protection — bought alongside your main sign-up fee. If you don’t remember opting in, that’s common: the add-on sits as a checkbox at checkout and gets clicked through easily.
Where the Charge Came From
Justifi is an embedded payments platform that handles transactions for software companies in areas like youth sports and event management.1JustiFi. Uncompromised Platform Payments It doesn’t sell anything to you directly. When you register through one of its partner platforms, the main registration fee usually posts under the organization’s name, but any insurance add-on gets billed separately through Justifi because a different underwriter is behind it.
Registration cancellation insurance is the usual culprit. It’s offered at checkout and covers your non-refundable fee if a covered event — injury, illness, involuntary job loss, military deployment, an uninhabitable home, or travel disruption — keeps you or your child from participating.2SportsEngine HQ. What is the Registration Cancellation Insurance? The premium is a fraction of the registration cost, which is part of why it slips past unnoticed.
Most Justifi Monoline charges trace back to one of these:
- Youth sports registrations (soccer, baseball, basketball, and similar leagues)
- Race and marathon entries with non-refundable fees
- Camp and tournament sign-ups where the upfront cost is large enough that refund protection is pitched at checkout
How to Identify the Purchase
Note the exact date and dollar amount, then search your email for receipts from that window. Try terms like “registration,” “protection,” “refund protection,” or “insurance” along with the date range. Registration platform receipts usually list the insurance as a separate line item even when the subject line only mentions the event.
Before treating it as fraud, check with anyone else on the account. A spouse, partner, or older child may have registered for a season or race and clicked the protection option without remembering it later.2SportsEngine HQ. What is the Registration Cancellation Insurance?
If nothing turns up, contact Justifi directly at customer_success@justifi.tech with the transaction date, amount, and last four digits of the card.3JustiFi Documentation. Overview Their support team can identify which merchant and platform initiated the charge.
How to Cancel the Coverage
If you find the charge and decide you don’t want the protection, some platforms let you cancel it within a short window. Race Roster, for example, allows you to remove refund protection and get the premium back within 14 days of purchase using a cancellation link in the confirmation email.4Race Roster. Managing my Race Roster Registration Refund Protection Cancelling removes only the insurance; your event registration stays in place.
Windows vary by platform, and not every one offers a refund. Check the confirmation email for cancellation instructions or contact the platform’s support. Once the window closes, the premium is generally non-refundable because the coverage was active from the moment of purchase.
How to Dispute the Charge
If you can’t identify the charge after contacting the merchant and Justifi, your next step depends on the card you used. Credit cards and debit cards fall under different laws.
Credit Card Charges
Under the Fair Credit Billing Act, you have 60 days from the date your statement was sent to notify your card issuer of a billing error in writing.5Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors The notice needs your name and account number, the disputed amount, and why you believe it’s wrong. A phone call can start things, but the legal clock runs on the written dispute reaching the issuer’s billing inquiries address.
The issuer must acknowledge your notice within 30 days and finish investigating within two billing cycles, capped at 90 days.5Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors While it investigates, it can’t try to collect the disputed amount or report it as delinquent.
Debit Card Charges
The Fair Credit Billing Act doesn’t cover debit cards. If the money came out of a checking account, the Electronic Fund Transfer Act and Regulation E apply. You still have 60 days from when the statement was sent to report the error, and the bank must investigate within 10 business days and report results within three business days after that.6Consumer Financial Protection Bureau. Regulation E – 1005.11 Procedures for Resolving Errors
The bank can extend the investigation to 45 days, or 90 days for point-of-sale debit transactions, but only if it provisionally credits your account within 10 business days while it keeps looking.6Consumer Financial Protection Bureau. Regulation E – 1005.11 Procedures for Resolving Errors That provisional credit puts the money back in your account while the dispute is being resolved.
Avoiding It Next Time
Registration protection almost always appears as an opt-in checkbox or toggle on the final payment screen, and it blends into the checkout flow. On your next sign-up, slow down at the payment summary and look for a line labeled “registration protection,” “refund protection,” or “cancellation insurance.” Uncheck it if you don’t want it.
If you do want the coverage, save the confirmation email. It’s the fastest way to identify a charge months later and the only way to file a claim if something actually keeps you from participating.