---
title: Initiating a chargeback
description: Complete tasks such as initiating a chargeback, providing credit to a customer, and refunding a merchant.
locale: en-US
canonical_url: https://www.servicenow.com/docs/r/australia/financial-services-operations/dispute-management/initiate-a-chargeback.html
release: australia
product: Dispute Management
classification: dispute-management
topic_type: concept
last_updated: "2026-03-12"
reading_time_minutes: 1
breadcrumb: [Resolving disputes without network integration, Processing, Use, Dispute Management, Banking applications, Financial Services Operations \(FSO\)]
---

# Initiating a chargeback

Complete tasks such as initiating a chargeback, providing credit to a customer, and refunding a merchant.

-   **[Report fraud to a card network](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/report-fraud-to-card-network.md)**  
Report potential fraud on a transaction to a card network.
-   **[Initiate chargeback and recover funds from merchant](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/initiate-chargeback-and-recover-funds-from-merchant.md)**  
Initiate a request for the card network issuer to credit the customer.
-   **[Review merchant representment](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/review-representment.md)**  
Review the representment evidence provided by a merchant during a chargeback request. A representment is the process where a business can prove that a charge that is being questioned is valid and the consumer's charge should not be reversed.
-   **[Provide final credit to customer](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/provide-final-credit-to-customer.md)**  
If a merchant's representment was not approved as sufficient supporting evidence by the issuing bank, the issuing bank upholds the chargeback.
-   **[Convert provisional credit to final credit](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/convert-provisional-credit-to-final-credit.md)**  
Convert provisional credit previously issued to a customer to a final credit issuance.
-   **[Reverse provisional credit](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/reverse-provisional-credit.md)**  
Reverse the temporary credit issued by the bank to the card holder.
-   **[Return funds to merchant](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/refund-merchant.md)**  
A merchant can be refunded if their representment evidence is approved.

**Parent Topic:**[Managing disputes without network integration](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/work-dispute-case.md)