--- title: Investigate stage description: The Investigate stage of the card dispute includes activities such as issuing provisional credit, reviewing participating merchant alerts, and investigating the transaction. locale: en-US canonical_url: https://www.servicenow.com/docs/r/australia/financial-services-operations/dispute-management/investigate-stage.html release: australia product: Dispute Management classification: dispute-management topic_type: concept last_updated: "2026-03-12" reading_time_minutes: 3 keywords: [card disputes] breadcrumb: [Processing a Visa dispute, Managing disputes integrated with Visa, Processing, Use, Dispute Management, Banking applications, Financial Services Operations \(FSO\)] --- # Investigate stage The **Investigate** stage of the card dispute includes activities such as issuing provisional credit, reviewing participating merchant alerts, and investigating the transaction. The dispute agent manages disputed transactions through various tasks in the **Dispute Workspace**. The **Investigate** stage of the card dispute includes the following key tasks: |Activity|Description| |--------|-----------| |[Report fraud](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/report-fraud-visa.md)|Fraud report activity, when the dispute category is **Fraud**.| |[Issue provisional credit](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/issue-provisional-credit-visa.md)|Provisional credit for transactions that qualify for IPC.| |[Determine recovery option for providing final credit](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/recovery-option-for-final-credit-visa.md)|Recovery options for transactions that qualify for immediate final credit \(IFC\).| |[Provide immediate final credit](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/provide-immediate-final-credit-visa.md)|Final credit for transactions qualifying for IFC after setting the recovery option.| |[Review participating merchant alerts for Visa disputes](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/alert-merchant-regarding-dispute-visa.md)|Merchant alerts and options **Declined dispute** to proceed or **Accepted dispute** to end the life cycle and move to closure.| |[Investigate Visa transactions](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/manually-investigate-disputed-transaction-visa.md)|Transaction investigation and options to pursue chargeback or end the life cycle for the transaction.| If the chargeback eligibility rules are evaluated as ineligible and **Pursue chargeback** is set to **Yes**, the system triggers an approval request for the dispute manager. The manager reviews the approval task and can select **Approve** to proceed further or select **Reject** to return to the investigation task. When the manager approves, the dispute agent proceeds with the dispute case. - **[Resolve friendly fraud disputes](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/resolve-friendly-fraud.md)** Resolve friendly fraud disputes by reviewing evidence, selecting an appropriate action, and communicating with customers. You can use the Help resolve friendly fraud disputes agentic workflow to receive AI-generated recommendations and draft responses. - **[Issue provisional credit](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/issue-provisional-credit-visa.md)** Initiate temporary provisional credit to the Visa card holder. - **[Determine recovery option for providing final credit](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/recovery-option-for-final-credit-visa.md)** Complete the Recovery option task to choose whether to pursue chargeback for a Visa transaction where final credit to the card customer will be provided. - **[Provide immediate final credit](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/provide-immediate-final-credit-visa.md)** Issue immediate final credit to the Visa card holder. - **[Review participating merchant alerts for Visa disputes](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/alert-merchant-regarding-dispute-visa.md)** Alert the merchant about a Visa card transaction dispute. - **[Investigate Visa transactions](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/manually-investigate-disputed-transaction-visa.md)** If a merchant refuses a transaction dispute, the case may move to the manual investigation task. **Parent Topic:**[Processing a Visa card dispute](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/processing-a-dispute-case.md) **Related topics** [Report fraud](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/report-fraud-visa.md) [Issue provisional credit](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/issue-provisional-credit-visa.md) [Determine recovery option for providing final credit](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/recovery-option-for-final-credit-visa.md) [Provide immediate final credit](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/provide-immediate-final-credit-visa.md) [Review participating merchant alerts for Visa disputes](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/alert-merchant-regarding-dispute-visa.md) [Investigate Visa transactions](https://raw.githubusercontent.com/ServiceNow/ServiceNowDocs/australia/markdown/australia/financial-services-operations/dispute-management/manually-investigate-disputed-transaction-visa.md)