--- sourceDocument: australia Combined Product Files sourceDocumentLink: https://www.servicenow.com/docs/r/australia/delta-zurich-australia Release : - australia ft:locale : - en-US ft:publication_title : - australia Combined Product Files ft:clusterId : - delta3az bundleId : - delta3az --- # Combined Dispute Rules Content Pack for Mastercard release notes for upgrades from Zurich to Australia # Combined Dispute Rules Content Pack for Mastercard release notes for upgrades from Zurich to Australia {#ariaid-title1} Release version: Australia Updated October 8, 2026 ![](https://www.servicenow.com/docs/portal-asset/ico-clock) 13 minutes to read Summarize ![AI sparkle icon](https://servicenow.com/docs/portal-asset/ai-sparkle-icon) Summarized using AI This content was generated using new OpenAI-powered functionality. Results are provided on an as is basis and are not guaranteed to be accurate or complete. ## Summary of Combined Dispute Rules Content Pack for Mastercard release notes for upgrades from Zurich to Australia The Dispute Rules Content Pack for Mastercard has been updated from the Zurich to the Australia release, consolidating all enhancements, changes, and critical upgrade information into one resource. This content pack supports ServiceNow customers in managing Mastercard dispute and chargeback processes by aligning with Mastercard's latest eligibility rules and data requirements. The Australia release introduces new data fields and updates to eligibility rules, enabling more precise dispute assessments and compliance with Mastercard guidelines. Show full answer Show less ## Key Features * **New Data Fields:** The Australia release adds important data fields to the Financial Transaction Authorization and Financial Transaction tables, such as extending `transactionAmountLocal` to the Authorization table and adding `programRegistrationId` to support updated chargeback eligibility rules. * **Expanded Eligibility Rules:** Updated chargeback eligibility and ineligibility rules across multiple Mastercard dispute categories, including Authorization, Processing Errors, and Cardholder Disputes. New computed input variables support refined decision tables for chargeback ineligibility evaluations. * **New Dispute Sub-Categories:** Added sub-categories such as Installment Billing Dispute for participating countries and Cardholder Dispute-Not Elsewhere Classified for the U.S. domestic market, enhancing dispute classification granularity. * **Updated Decision Tables:** Streamlined dispute processing by validating Mastercard transaction details and questionnaire inputs against eligibility rules using decision tables. * **New Choice Values:** Additional choice values for `processingcode` and `merchantadvicecode` fields on the Financial Transaction Authorization table align with Mastercard's current authorization data requirements. * **Questionnaire Enhancements:** Improved dispute intake questionnaires with new questions and hard stop alerts to support accurate and compliant dispute submissions. * **Theme Update:** Introduction of the Coral theme as the default for portals and mobile experiences, including a dark mode option to enhance user experience. ## Important Upgrade Information * **Pre- and Post-Upgrade Tasks:** Customers should verify availability and population of new data fields following upgrade to Australia. * **Compatibility Requirements:** Installation of Financial Services Card Operations (snbomcreditcard) application is required for the content pack to function properly. * **Activation:** The content pack is available through the ServiceNow Store and requires customer request for installation. * **Deprecated and Removed Features:** The sub-category `RC 4834 --- Late Presentment` has been removed starting with the July Store release, consistent across Zurich and Australia. ## Key Outcomes * ServiceNow customers can expect improved accuracy and compliance in Mastercard dispute processing, ensuring that chargeback eligibility is determined using the latest Mastercard rules and enriched transaction data. * Dispute handling is streamlined with enhanced decision tables and refined dispute questionnaires, reducing manual intervention and potential errors. * Upgraded data models and additional choice values enable better alignment with Mastercard's evolving data standards, supporting robust dispute resolution workflows. * The new Coral theme and dark mode option improve user experience across portals and mobile interfaces. Consolidated page of all release notes for Dispute Rules Content Pack for Mastercard from Zurich to Australia. ## How to use this page To help you prepare for your upgrade, we have combined the cross-family Dispute Rules Content Pack for Mastercard release notes onto one page. Read this summary of the new features, changes, and updated information for your product from Zurich to Australia. Tip: If there were no updates for a release notes section in a certain family release, we included a short note for your reference. For example, if a product did not have any updates in Tokyo, the row says "No updates for this release." ## Important information for upgrading Dispute Rules Content Pack for Mastercard to Australia Before you upgrade to Australia, review these pre- and post-upgrade tasks and complete the tasks as needed. {#dfrn3-disputerulescontentpackformastercard-summary__entry__2} | Release | Release notes | |-|-| | Zurich | No updates for this release. | | Australia | Upgrade information : The Australia release adds new data fields to the Authorization and Financial Transaction tables to support the new eligibility rules. The `transactionAmountLocal` field already exists in the Financial Transaction table but is being extended to the Financial Transaction Authorization table in this release. No other pre-existing fields are affected. After upgrading, confirm that the new fields are available and populated on your instance. | [ ] ## New features Between your current release family and Australia, new features were introduced for Dispute Rules Content Pack for Mastercard. {#dfrn3-disputerulescontentpackformastercard-summary__entry__8} | Release | Release notes | |-|-| | Zurich | [July Store Release: New data field for Mastercard chargeback ineligibility rule assessment](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=zurich&ft:locale=en-US) : A new Mastercard data field `programRegistrationId` has been added to the Financial Transaction table to support chargeback ineligibility rule evaluation for RC 4853 Cardholder Disputes sub-categories. The field is sourced from the Mastercard clearing API. This field identifies the program registration associated with a clearing transaction. The field displays both the program code and its description. Supported values include codes for person-to-person transfers, business disbursements, government and non-profit disbursements, merchant-presented QR transactions, and other Mastercard Send program types. [July Store Release: New input variables for Mastercard chargeback ineligibility rule assessment decision tables](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=zurich&ft:locale=en-US) : New input variables have been added to support updated chargeback ineligibility rule evaluation for RC 4808 Authorization sub-categories. The following computed values are used as decision inputs across the Required Authorization Not Obtained, Expired Chargeback Protection Period, Stand-in or X-Code Approval after Issuer Decline, CAT 3 Devices, and Transit First Ride Risk Framework Claims decision tables: * `transit_clearing_amount_sum` --- the sum of local transaction amounts for matching transit clearing transactions, used to evaluate UK domestic contactless transit split-clearing ineligibility conditions. * `cpd_minus_declined_transit_auth_date_time` --- the number of days between a declined transit authorization and the chargeback protection date (CPD), used to assess TFRR/FRIL eligibility windows. * `financial_local_txn_amt_minus_auth_local_txn_amt` --- the difference between the financial and authorization local transaction amounts, used for RANO authorization amount difference conditions. [July Store Release: New Mastercard dispute sub-categories](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=zurich&ft:locale=en-US) : The following new Mastercard dispute sub-categories are available: * Installment Billing Dispute-Participating Countries (RC 4850) * Cardholder Dispute-Not Elsewhere Classified-United States Domestic (RC 4854) [New data fields for Mastercard chargeback eligibility rules](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=zurich&ft:locale=en-US) : New data fields sourced from the Mastercard authorization API and Mastercard clearing API have been added to support the expanded eligibility rules. Fields sourced from the Mastercard authorization API are available on the Financial Transaction Authorization table. Fields sourced from the Mastercard clearing API are available on the Financial Transaction table. [Decision tables for Mastercard dispute processing](https://www.servicenow.com/docs/access?context=dispute-decision-tables&family=zurich&ft:locale=en-US) : Streamline dispute processing by validating Mastercard transaction details and questionnaire answers against the eligibility rules in this application's decision tables. | | Australia | New choice values for Mastercard transactional data fields : Use the new processing_code and merchant_advice_code choice values on the Financial Transaction Authorization table to align with the current authorization data requirements of Mastercard. processing_code values: * 00 Purchase * 01 Withdrawal * 02 Debit Adjustment * 09 Purchase with Cash Back * 10 Visa Only. Account Funding * 17 Cash Disbursement * 18 Scrip Issue * 20 Purchase Return/Refund * 21 Deposit * 22 Credit Adjustment * 28 Payment Transaction * 30 Balance Inquiry * 40 Account Transfer * 90 Reserved for Future Use * 91 PIN Unblock * 92 PIN Change merchant_advice_code values: * 01 New account information available * 02 Cannot approve at this time, try again later * 03 Do not try again * 04 Token requirements not fulfilled for this token type * 05 Negotiated value not approved * 06 Original Transaction Approved * 07 Original Transaction Declined * 08 Original Transaction Approval Status Unknown * 21 Payment Cancellation * 22 Merchant does not qualify for product code * 24 Retry after 1 hour * 25 Retry after 24 hours * 26 Retry after 2 days * 27 Retry after 4 days * 28 Retry after 6 days * 29 Retry after 8 days * 30 Retry after 10 days * 40 Consumer non-reloadable prepaid card * 41 Consumer single-use virtual card number * 42 Sanctions score limit exceeded * 43 Consumer multi-use virtual card number * 44 Processing in progress * blank (no value) Retry with PIN * 90 Issuer decisioned * 99 Mastercard decisioned [July Store Release: New data field for Mastercard chargeback ineligibility rule assessment](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=australia&ft:locale=en-US) : A new Mastercard data field `programRegistrationId` has been added to the Financial Transaction table to support chargeback ineligibility rule evaluation for RC 4853 Cardholder Disputes sub-categories. The field is sourced from the Mastercard clearing API. This field identifies the program registration associated with a clearing transaction. The field displays both the program code and its description. Supported values include codes for person-to-person transfers, business disbursements, government and non-profit disbursements, merchant-presented QR transactions, and other Mastercard Send program types. [July Store Release: New input variables for Mastercard chargeback ineligibility rule assessment decision tables](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=australia&ft:locale=en-US) : New input variables have been added to support updated chargeback ineligibility rule evaluation for RC 4808 Authorization sub-categories. The following computed values are used as decision inputs across the Required Authorization Not Obtained, Expired Chargeback Protection Period, Stand-in or X-Code Approval after Issuer Decline, CAT 3 Devices, and Transit First Ride Risk Framework Claims decision tables: * `transit_clearing_amount_sum` --- the sum of local transaction amounts for matching transit clearing transactions, used to evaluate UK domestic contactless transit split-clearing ineligibility conditions. * `cpd_minus_declined_transit_auth_date_time` --- the number of days between a declined transit authorization and the chargeback protection date (CPD), used to assess TFRR/FRIL eligibility windows. * `financial_local_txn_amt_minus_auth_local_txn_amt` --- the difference between the financial and authorization local transaction amounts, used for RANO authorization amount difference conditions. [July Store Release: New Mastercard dispute sub-categories](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=australia&ft:locale=en-US) : The following new Mastercard dispute sub-categories are available: * Installment Billing Dispute-Participating Countries (RC 4850) * Cardholder Dispute-Not Elsewhere Classified-United States Domestic (RC 4854) [May Store Release: New data fields for Mastercard chargeback eligibility rules](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=australia&ft:locale=en-US) : New data fields sourced from the Mastercard authorization API and Mastercard clearing API have been added to support the expanded eligibility rules. Fields sourced from the Mastercard authorization API are available on the Financial Transaction Authorization table. Fields sourced from the Mastercard clearing API are available on the Financial Transaction table. New fields on the Financial Transaction Authorization table: * `adviceReasonCode` * `banknetDate` * `merchantAdviceCode` * `originalMessageTypeIdentifier` * `pinServiceCode` * `retrievalReferenceNumber` * `stan` * `transactionAmountLocal` Note: This field already exists in the Financial Transaction table and is being extended to the Financial Transaction Authorization table in this release. * `transactionAmountUsd` * `transmissionDateAndTime` New fields on the Financial Transaction table: * `businessServiceIdCode` * `cardDataInputCapability` * `cardholderAuthenticationCapability` * `servicecode` | [ ] ## Changes Between your current release family and Australia, some changes were made to existing Dispute Rules Content Pack for Mastercard features. {#dfrn3-disputerulescontentpackformastercard-summary__entry__14} | Release | Release notes | |-|-| | Zurich | [July Store Release: Build and update Mastercard chargeback ineligibility rules --- Processing Errors](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=zurich&ft:locale=en-US) : Ineligibility rule conditions have been updated across the RC 4834 Processing Errors sub-categories to align with the latest Mastercard Chargeback Guide. Updated sub-categories include Transaction Amount Differs, Currency Errors, Cardholder Debited More than Once for the Same Goods or Services, ATM Funds Not Dispensed, Charges for Loss, Theft, or Damages, Merchant Refund Correcting Error Resulted in Cardholder Currency Exchange Loss, Improper Merchant Surcharge, Unreasonable Amount, and Cash was not properly provided from a Purchase with Cash Back transaction. For Currency Errors: A new ineligibility condition has been added. CE is not applicable for ATM transactions (MCC 6011) where either the card was issued outside Europe or the terminal is located outside Europe. For Transaction Amount Differs: The documentation requirements for this sub-category have been updated. For Maestro cards issued in Europe used at terminals outside Europe, no documentation is required. Brazil domestic disputes involving gratuity amounts now have explicit documentation requirements. [July Store Release: Build and update Mastercard chargeback ineligibility rules --- Cardholder Disputes](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=zurich&ft:locale=en-US) : Ineligibility rule conditions have been added or updated across the following RC 4853 Cardholder Disputes sub-categories to align with the latest Mastercard Chargeback Guide: * Addendum Dispute * Cardholder Dispute of a Recurring Transaction * Counterfeit Goods * Digital Goods Purchase of USD/EUR 25 or Less * Goods or Services Not Provided * Goods or Services Were Either Not as Described or Defective * No-Show Hotel Charge * Refund Not Processed * Refund Posted as a Purchase * Timeshares * Transaction Did Not Complete * Travel/Entertainment Services Not Provided/Not as Described and Merchant Voucher Issued New ineligibility rule conditions have also been added for the Cardholder Dispute-Not Elsewhere Classified-United States Domestic (RC 4854) sub-category. Coral theme : Coral is now the default theme for new portal, web, and mobile experiences with Next Experience or Core UI enabled. This theme provides a fresh look and feel, featuring brand-neutral illustrations to enhance your user experience. A dark theme option is available for web and mobile experiences. [Dispute Rules Content Pack for Mastercard chargeback eligibility rules updates](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=zurich&ft:locale=en-US) : Transformed chargeback eligibility rules into technical formulas to determine the eligibility or ineligibility of a selected transaction for chargeback. New ineligibility conditions have been added across all five existing RC 4808 Authorization sub-categories: * Required Authorization Not Obtained (RANO) * Expired Chargeback Protection Period (ECPP) * Stand-in or X-Code Approval after Issuer Decline (SIXCAID) * CAT 3 Devices (CAT3D) * Transit First Ride Risk Framework Claims (TFRR) Expanded eligibility rules for the following fraud dispute reason codes: * RC 4837 (No Cardholder Authorization) * RC 4849 (Questionable Merchant Activity) * RC 4870 (Chip Liability Shift) * RC 4871 (Chip Liability Shift -- Lost/Stolen/NRI Fraud) [Dispute Rules Content Pack for Mastercard intake questionnaire updates](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=zurich&ft:locale=en-US) : Updated the dispute questionnaire provided through Dispute Rules Content Pack for Mastercard by adding new questions and updating existing questions. | | Australia | Updated Mastercard chargeback ineligibility rule for fraud : The ineligibility condition for RC 4871 (Chip Liability Shift, Lost, Stolen, or Never Received Issue (NRI) Fraud) correctly evaluates the fraud-report timing window. A dispute is ineligible only when it is not raised within three days of the transaction being reported lost, stolen, or never received in the fraud and loss database. The condition also requires a fraud report ID to be present. The associated chargeback ineligibility reason text is updated to match the current wording in the Mastercard Chargeback Guide. [July Store Release: Build and update Mastercard chargeback ineligibility rules --- Processing Errors](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=australia&ft:locale=en-US) : Ineligibility rule conditions have been updated across the RC 4834 Processing Errors sub-categories to align with the latest Mastercard Chargeback Guide. Updated sub-categories include Transaction Amount Differs, Currency Errors, Cardholder Debited More than Once for the Same Goods or Services, ATM Funds Not Dispensed, Charges for Loss, Theft, or Damages, Merchant Refund Correcting Error Resulted in Cardholder Currency Exchange Loss, Improper Merchant Surcharge, Unreasonable Amount, and Cash was not properly provided from a Purchase with Cash Back transaction. For Currency Errors: A new ineligibility condition has been added. CE is not applicable for ATM transactions (MCC 6011) where either the card was issued outside Europe or the terminal is located outside Europe. For Transaction Amount Differs: The documentation requirements for this sub-category have been updated. For Maestro cards issued in Europe used at terminals outside Europe, no documentation is required. Brazil domestic disputes involving gratuity amounts now have explicit documentation requirements. [July Store Release: Build and update Mastercard chargeback ineligibility rules --- Cardholder Disputes](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=australia&ft:locale=en-US) : Ineligibility rule conditions have been added or updated across the following RC 4853 Cardholder Disputes sub-categories to align with the latest Mastercard Chargeback Guide: * Addendum Dispute * Cardholder Dispute of a Recurring Transaction * Counterfeit Goods * Digital Goods Purchase of USD/EUR 25 or Less * Goods or Services Not Provided * Goods or Services Were Either Not as Described or Defective * No-Show Hotel Charge * Refund Not Processed * Refund Posted as a Purchase * Timeshares * Transaction Did Not Complete * Travel/Entertainment Services Not Provided/Not as Described and Merchant Voucher Issued New ineligibility rule conditions have also been added for the Cardholder Dispute-Not Elsewhere Classified-United States Domestic (RC 4854) sub-category. [Dispute Rules Content Pack for Mastercard chargeback eligibility rules updates](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=australia&ft:locale=en-US) : Determine the eligibility of a selected transaction for chargeback through chargeback eligibility rules transformed into technical formulas. For May Store release, new ineligibility conditions have been added across all five existing RC 4808 Authorization sub-categories: * Required Authorization Not Obtained (RANO) * Expired Chargeback Protection Period (ECPP) * Stand-in or X-Code Approval after Issuer Decline (SIXCAID) * CAT 3 Devices (CAT3D) * Transit First Ride Risk Framework Claims (TFRR) For May Store release, expanded eligibility rules for the following fraud dispute reason codes: * RC 4837 (No Cardholder Authorization) * RC 4849 (Questionable Merchant Activity) * RC 4870 (Chip Liability Shift) * RC 4871 (Chip Liability Shift -- Lost/Stolen/Never Received Issue (NRI) Fraud) [Dispute Rules Content Pack for Mastercard intake questionnaire updates](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=australia&ft:locale=en-US) : Benefit from the dispute questionnaire provided through Dispute Rules Content Pack for Mastercard with some modified questions and added hard stop alerts. | [ ] ## Removed Between your current release family and Australia, some Dispute Rules Content Pack for Mastercard features or functionality were removed. {#dfrn3-disputerulescontentpackformastercard-summary__entry__20} | Release | Release notes | |-|-| | Zurich | No updates for this release. | | Australia | No updates for this release. | [ ] ## Deprecations Between your current release family and Australia, some Dispute Rules Content Pack for Mastercard features or functionality were deprecated. {#dfrn3-disputerulescontentpackformastercard-summary__entry__26} | Release | Release notes | |-|-| | Zurich | For July store release, the sub-category RC 4834 --- Late Presentment has been removed. | | Australia | For July store release, the sub-category RC 4834 --- Late Presentment has been removed. | [ ] ## Activation information Review information on how to activate Dispute Rules Content Pack for Mastercard. {#dfrn3-disputerulescontentpackformastercard-summary__entry__32} | Release | Release notes | |-|-| | Zurich | Activation information : Install Dispute Rules Content Pack for Mastercard by requesting it from ServiceNow Store. Visit the [ServiceNow Store](https://store.servicenow.com/sn_appstore_store.do#!/store/home) website to view all the available apps and for information about submitting requests to the store. For cumulative release notes information for all released apps, see the [ServiceNow Store version history release notes](https://www.servicenow.com/docs/access?context=sn-store-release-notes&family=zurich&ft:locale=en-US). Important: Dispute Rules Content Pack for Mastercard is available in the ServiceNow Store. For details, see the "Activation information" section of these release notes. | | Australia | Activation information : Install Dispute Rules Content Pack for Mastercard by requesting it from the ServiceNow Store. Visit the [ServiceNow Store](https://store.servicenow.com/sn_appstore_store.do#!/store/home) to view all the available apps, and for information about submitting requests to the store. For cumulative release notes information for all released apps, see the [ServiceNow Store version history release notes](https://www.servicenow.com/docs/access?context=sn-store-release-notes&family=australia&ft:locale=en-US). Important: Dispute Rules Content Pack for Mastercard is available in the ServiceNow Store. For details, see the "Activation information" section of these release notes. | [ ] ## Additional requirements If any additional requirements were introduced or changed for Dispute Rules Content Pack for Mastercard we have noted them here. {#dfrn3-disputerulescontentpackformastercard-summary__entry__38} | Release | Release notes | |-|-| | Zurich | Additional requirements : This application requires Financial Services Card Operations (sn_bom_credit_card) to be installed. | | Australia | Additional requirements : This application requires Financial Services Card Operations (sn_bom_credit_card) to be installed. | [ ] ## Browser requirements If any specific browser requirements were introduced or changed for Dispute Rules Content Pack for Mastercard we have noted them here. {#dfrn3-disputerulescontentpackformastercard-summary__entry__44} | Release | Release notes | |-|-| | Zurich | No updates for this release. | | Australia | No updates for this release. | [ ] ## Accessibility information Review details on accessibility information for Dispute Rules Content Pack for Mastercard, such as specific requirements or compliance levels. {#dfrn3-disputerulescontentpackformastercard-summary__entry__50} | Release | Release notes | |-|-| | Zurich | Accessibility information : Dark theme : The new Coral theme includes a dark theme option for web and mobile experiences. This option is commonly used to alleviate eye strain and improve readability. | | Australia | No updates for this release. | [ ] ## Localization information If there are specific localization considerations for Dispute Rules Content Pack for Mastercard we have noted them here. {#dfrn3-disputerulescontentpackformastercard-summary__entry__56} | Release | Release notes | |-|-| | Zurich | No updates for this release. | | Australia | No updates for this release. | [ ] ## Highlight information If there are specific highlight considerations for Dispute Rules Content Pack for Mastercard we have noted them here. {#dfrn3-disputerulescontentpackformastercard-summary__entry__62} | Release | Release notes | |-|-| | Zurich | * Developed and refined chargeback eligibility rules to validate dispute cases against Mastercard core rules. * Updated the intake questionnaire for various dispute categories. See [Dispute Rules Content Pack for Mastercard](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=zurich&ft:locale=en-US) for more information. | | Australia | * Keep Mastercard dispute assessments compliant with updated chargeback ineligibility rules across the Authorization, Processing Errors, and Cardholder Disputes categories. * Assess chargeback eligibility accurately using new data fields sourced from the Mastercard authorization and clearing APIs. See [Dispute Rules Content Pack for Mastercard](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=australia&ft:locale=en-US) for more information. | [ ]