--- 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 Financial Services Card Operations release notes for upgrades from Zurich to Australia # Combined Financial Services Card Operations 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) 12 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 Financial Services Card Operations Release Notes for Upgrades from Zurich to Australia This consolidated release note summary covers all key updates and changes in Financial Services Card Operations as customers upgrade from the Zurich release to the Australia release. It provides essential information on new features, workflow enhancements, questionnaire updates, and integration improvements designed to streamline dispute management and enhance operational efficiency for card and non-card transactions. Show full answer Show less ## Key Features * **Unified ACH Disputes Workflow (Zurich):** Introduces a guided, end-to-end process that consolidates intake, investigation, and resolution for ACH disputes. Features include a new dispute reason framework for regulatory compliance and WSUD signature collection for authorization capture, improving speed and reducing manual effort. * **Mastercard Dispute Lifecycle Enhancements (Zurich):** A new workspace supports all stages of Mastercard dispute resolution, including pre-arbitration and arbitration, with integrated Mastercom API connectivity for faster and more efficient dispute resolution. * **Visa Dispute Management (Australia):** Provides a single-page unified workspace for managing all Visa dispute tasks, allowing direct viewing of associated transactions and inline access to pre-arbitration questionnaires, enhancing usability and dispute tracking. * **Updated Dispute Intake Questionnaires:** Both Zurich and Australia releases include new and updated mandatory questions to support Mastercard chargeback ineligibility rule assessments and specific dispute categories such as Goods or Services Not Provided, Authorization disputes, and Failed Travel Merchant claims. * **Streamlined Document Submission:** Enhancements to the Mastercard Dispute Management workflow automate attachment validation for file type and size, reducing manual intervention and minimizing rejection risks. * **Internal Policy Rule Evaluation Improvements:** Policy rules now evaluate based on the dispute amount rather than the original transaction amount, ensuring accurate decisioning when disputed amounts are modified during intake. * **Coral Theme and Accessibility:** The new Coral theme is the default for portals, web, and mobile experiences, featuring brand-neutral illustrations and a dark theme option to improve readability and reduce eye strain. ## Important Upgrade Information * Before upgrading to Australia, customers should review and complete the recommended pre- and post-upgrade tasks to ensure a smooth transition. * Financial Services Card Operations is available via the ServiceNow Store. Installation requires requesting the application through the store, and customers can track cumulative release notes and version history there. * There are no specific additional requirements, browser requirements, or localization changes introduced between Zurich and Australia. * The LLM Service now includes the Gemma 4 model as of September 2026, with older models deprecated for new development but still supported for existing configurations. ## Key Outcomes for ServiceNow Customers * **Faster Dispute Resolution:** Enhanced workflows and integrated APIs accelerate resolution of Mastercard and ACH disputes by unifying processes and automating key steps. * **Improved Accuracy and Compliance:** Updated questionnaires and internal policy rules ensure more precise eligibility assessments and regulatory compliance during dispute intake and processing. * **Streamlined User Experience:** The unified dispute intake interface and Visa one-pager workspace simplify dispute management for agents and cardholders alike. * **Reduced Manual Effort:** Automated document validation and streamlined workflows reduce processing time and minimize errors or rework. * **Modernized UI and Accessibility:** The Coral theme with dark mode offers an enhanced, user-friendly interface that supports accessibility standards. Consolidated page of all release notes for Financial Services Card Operations from Zurich to Australia. ## How to use this page To help you prepare for your upgrade, we have combined the cross-family Financial Services Card Operations 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 Financial Services Card Operations to Australia Before you upgrade to Australia, review these pre- and post-upgrade tasks and complete the tasks as needed. {#dfrn3-financialservicescardoperations-summary__entry__2} | Release | Release notes | |-|-| | Zurich | No updates for this release. | | Australia | No updates for this release. | [ ] ## New features Between your current release family and Australia, new features were introduced for Financial Services Card Operations. {#dfrn3-financialservicescardoperations-summary__entry__8} | Release | Release notes | |-|-| | Zurich | [ACH disputes workflow](https://www.servicenow.com/docs/access?context=work-dispute-ach&family=zurich&ft:locale=en-US) : Resolve ACH disputes faster with a guided, end-to-end workflow that unifies intake, investigation, and resolution---built on a framework ready for any non-card transaction. The unified intake now features a new dispute reason framework for accurate regulatory mapping and embedded WSUD signature collection for seamless authorization capture. The overall workflow centralizes data, applies real-time regulatory checks, and surfaces next best actions to reduce manual effort and speed decisioning, all on a modular design that can scale to additional non-card dispute types. [Workflow](https://www.servicenow.com/docs/access?context=dispute-management-workflows&family=zurich&ft:locale=en-US) : Resolve Mastercard disputes quickly with an enhanced end-to-end workspace that supports all stages of the dispute life cycle, including pre-arbitration and arbitration. Use comprehensive tools to simplify and accelerate the dispute management process. | | Australia | Date facilities were withdrawn : Dispute agents and cardholders can now record the date facilities were withdrawn by answering the question "Date of the facilities were withdrawn." This question displays only after answering Yes to "Certification that the facilities were withdrawn," and supports chargeback eligibility evaluation for reason code 13.2 (Cancelled Recurring Transaction). Date cardholder checked out from hotel : Dispute agents and cardholders can now record the date a cardholder checked out from a hotel by answering the question "Date cardholder checked out from hotel." This question displays only for disputes filed as Not as Described (reason code 13.3) or for a services dispute, where the merchant is categorized under a hotel or lodging merchant category code (MCC 7011, or the 3501-3856 hotel-chain range). CE Transaction Details : View compelling-evidence transaction details as a read-back field when reviewing Visa dispute details. | [ ] ## Changes Between your current release family and Australia, some changes were made to existing Financial Services Card Operations features. {#dfrn3-financialservicescardoperations-summary__entry__14} | Release | Release notes | |-|-| | Zurich | [Updated dispute intake questionnaire for July Store release](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=zurich&ft:locale=en-US) : New questions have been added to the dispute intake questionnaire to support updated Mastercard chargeback ineligibility rule assessment. * For Goods or Services Not Provided disputes (RC 4853): Dispute agents must select the applicable waiver and insurance status for merchandise delivery. Options are: a liability waiver was signed by the buyer; shipment insurance was declined by the buyer; both a liability waiver was signed and shipment insurance was declined; or neither applied. This question is mandatory for dispute agents and is also displayed to cardholders. * For Authorization disputes (RC 4808): Dispute agents must identify the current account status. Options include: account closed; suspended or restricted; fraud or compromise; credit-related issue; or account active and in good standing. This question is specific to Mastercard and is not displayed to cardholders. The following additional changes have been made to existing questionnaire questions in this release: * The What is the dispute about? question choice list has been updated: the Multiple Authorization Requests option has been removed from the RC 4808 Authorization list, and Late Presentment has been removed from the RC 4834 Processing Errors list. The following labels have been updated: CAT 3 Devices (formerly Cardholder-Activated Terminal); Transit First Ride Risk (FRR) and Transit First Ride Issuer Liability (FRIL) claims; Installment Billing Dispute-Participating Countries; Cardholder Dispute-Not Elsewhere Classified-United States Domestic (new). * Display conditions have been updated for several existing RC 4853 Cardholder Disputes questions --- including merchandise return date, date the cardholder first notified the issuer, and whether previous negotiation with the merchant occurred --- to reflect the addition of the Cardholder Dispute-Not Elsewhere Classified- United States Domestic sub-category. * For Refund Not Processed disputes (RC 4853): The question asking for the date the cardholder first notified the issuer of the dispute is displayed when the credit voucher or transaction receipt is not dated. This question applies to dispute agents only. [Updated chargeback eligibility questionnaire for May Store release](https://www.servicenow.com/docs/access?context=dispute-rules-content-pack-for-mastercard-landing-page&family=zurich&ft:locale=en-US) : New Mastercard-specific questions have been added to the chargeback eligibility questionnaire. For Authorization disputes (all RC 4808 sub-categories): A new mandatory certification statement appears in the dispute information section. It displays after the dispute amount modification reason field. Dispute agents must confirm that authorization was required for the transaction but was not properly obtained before an Authorization chargeback can proceed. For Consumer Dispute RC 4853 Failed Travel Merchant: Two new questions support the bond or insurance scheme reimbursement requirement: * When a bond or insurance scheme exists, agents are asked what response was received from the bonding authority or insurance scheme when reimbursement was requested. * When no response has been received, agents are asked to provide the date on which the reimbursement request was submitted. Questionnaire questions were updated including RC 4853 Failed Travel Merchant -- Intra-EEA and Domestic European Transactions Only as an additional display condition. [Resolving disputes with Mastercard](https://www.servicenow.com/docs/access?context=work-on-disputes-integrated-with-mc&family=zurich&ft:locale=en-US) : Integrate the Dispute Management workflow with subflows that communicate with Mastercom, supporting an end-to-end dispute life-cycle from raising an initial dispute to final resolution. [Unified dispute intake experience](https://www.servicenow.com/docs/access?context=dispute-intake-overview&family=zurich&ft:locale=en-US) : The dispute intake process has been streamlined to provide a clear, intuitive experience for customers and dispute agents, resulting in faster resolution and reduced manual effort. A unified interface now allows cardholders, account holders, and agents to raise disputes for both card and non-card (ACH) transactions seamlessly. 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. [Workflow](https://www.servicenow.com/docs/access?context=dispute-management-workflows&family=zurich&ft:locale=en-US) : Track the progress of the investigation workflow intuitively with a redesigned user interface that presents each transaction within a dispute case using a clear, process-based layout. This new layout visualizes the distinct stages of the investigation workflow, Investigate, Chargeback, and Closure, which enhances visibility and dispute management efficiency. | | Australia | Price-discrepancy question for Visa consumer disputes : An existing question, originally used under the Processing Errors dispute category, has been repurposed for consumer disputes filed under reason code 13.3 (Not as Described or Defective Merchandise/Services). Dispute agents are asked "Is the dispute due to the difference between the quoted price and the actual charges made by the merchant?" and cardholders are asked "Is the dispute related to a discrepancy between the quoted price and the actual charges made by the merchant?" A Yes answer marks the dispute ineligible for reason code 13.3, since a price discrepancy is not a valid basis for that reason code under the Visa Chargeback Guide. [Visa dispute management on the one-pager workspace](https://www.servicenow.com/docs/access?context=work-on-a-dispute-case-integrated-with-visa&family=australia&ft:locale=en-US) : All Visa dispute tasks across the investigation, collaboration, and allocation stages are available in a single-page workspace, replacing the previous playbook-based experience. Dispute agents can view associated transactions from the Visa network directly on the task form and access the pre-arbitration questionnaire inline, with status tracking. [Updated dispute intake questionnaire for July Store release](https://www.servicenow.com/docs/access?context=installed-with-card-operations&family=australia&ft:locale=en-US) : New questions have been added to the dispute intake questionnaire to support updated Mastercard chargeback ineligibility rule assessment. * For Goods or Services Not Provided disputes (RC 4853): Dispute agents must select the applicable waiver and insurance status for merchandise delivery. Options are: a liability waiver was signed by the buyer; shipment insurance was declined by the buyer; both a liability waiver was signed and shipment insurance was declined; or neither applied. This question is mandatory for dispute agents and is also displayed to cardholders. * For Authorization disputes (RC 4808): Dispute agents must identify the current account status. Options include: account closed; suspended or restricted; fraud or compromise; credit-related issue; or account active and in good standing. This question is specific to Mastercard and is not displayed to cardholders. The following additional changes have been made to existing questionnaire questions in this release: * The What is the dispute about? question choice list has been updated: the Multiple Authorization Requests option has been removed from the RC 4808 Authorization list, and Late Presentment has been removed from the RC 4834 Processing Errors list. The following labels have been updated: CAT 3 Devices (formerly Cardholder-Activated Terminal); Transit First Ride Risk (FRR) and Transit First Ride Issuer Liability (FRIL) claims; Installment Billing Dispute-Participating Countries; Cardholder Dispute-Not Elsewhere Classified-United States Domestic (new). * Display conditions have been updated for several existing RC 4853 Cardholder Disputes questions --- including merchandise return date, date the cardholder first notified the issuer, and whether previous negotiation with the merchant occurred --- to reflect the addition of the Cardholder Dispute-Not Elsewhere Classified- United States Domestic sub-category. * For Refund Not Processed disputes (RC 4853): The question asking for the date the cardholder first notified the issuer of the dispute is displayed when the credit voucher or transaction receipt is not dated. This question applies to dispute agents only. [Internal policy rule evaluation using dispute amount](https://www.servicenow.com/docs/access?context=dispute-decision-tables&family=australia&ft:locale=en-US) : Internal policy rules in the Card dispute rules for internal policy decision table now evaluate using the dispute amount instead of the original transaction amount. Previously, if a cardholder or agent modified the disputed amount while answering additional transactional questions during intake, policy rules still evaluated against the original transaction value. Rules now use the dispute amount field (sn_bom_credit_card_disputes_transaction.dispute_amount), so any amount adjustments made during intake are correctly reflected in rule outcomes. [Updated chargeback eligibility questionnaire for May Store release](https://www.servicenow.com/docs/access?context=installed-with-card-operations&family=australia&ft:locale=en-US) : New Mastercard-specific questions have been added to the chargeback eligibility questionnaire. For Authorization disputes (all RC 4808 sub-categories): A new mandatory certification statement appears in the dispute information section. It displays after the dispute amount modification reason field. Dispute agents must confirm that authorization was required for the transaction but was not properly obtained before an Authorization chargeback can proceed. For Consumer Dispute RC 4853 Failed Travel Merchant: Two new questions support the bond or insurance scheme reimbursement requirement: * When a bond or insurance scheme exists, agents are asked what response was received from the bonding authority or insurance scheme when reimbursement was requested. * When no response has been received, agents are asked to provide the date on which the reimbursement request was submitted. Questionnaire questions were updated including RC 4853 Failed Travel Merchant -- Intra-EEA and Domestic European Transactions Only as an additional display condition. [Automated document submission in Mastercard transaction dispute process](https://www.servicenow.com/docs/access?context=chargeback-stage-mastercard&family=australia&ft:locale=en-US) : Streamline the submission of supporting documents to Mastercard in the Mastercard Dispute Management workflow through document attachment and validation. Attached files are automatically checked against Mastercard requirements for file type and size. This update reduces the need for manual intervention, minimizes rework, and helps avoid rejection risk. [New subflow and action to support Card data security](https://www.servicenow.com/docs/access?context=card-data-security&family=australia&ft:locale=en-US) : Support attaching documents to a specified table record using the following subflow and action in Card data security: * Attach Document to Table Record * Attach Tokenized Document to Table Record | [ ] ## Removed Between your current release family and Australia, some Financial Services Card Operations features or functionality were removed. {#dfrn3-financialservicescardoperations-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 Financial Services Card Operations features or functionality were deprecated. {#dfrn3-financialservicescardoperations-summary__entry__26} | Release | Release notes | |-|-| | Zurich | No updates for this release. | | Australia | Now LLM Service deprecation notice : Starting with the September 2026 release, Gemma 4 joins our growing portfolio of open-weight models available through Now LLM Service. We're committed to bringing you the latest industry advancements while maintaining sovereignty-focused options, all hosted and governed by ServiceNow with the infrastructure and data protections you rely on today. Older models will remain available for existing published AI skills, agents, and agentic workflows, but will no longer be available for new development or configuration. For details, see the [KB3066214: ServiceNow Otto Model Upgrades](https://support.servicenow.com/kb?id=kb_article_view&sysparm_article=KB3066214) article in the Now Support Knowledge Base. | [ ] ## Activation information Review information on how to activate Financial Services Card Operations. {#dfrn3-financialservicescardoperations-summary__entry__32} | Release | Release notes | |-|-| | Zurich | Important: Financial Services Card Operations is available in the ServiceNow Store. For details, see the "Activation information" section of these release notes. | | Australia | Activation information : Install Financial Services Card Operations 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: Financial Services Card Operations 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 Financial Services Card Operations we have noted them here. {#dfrn3-financialservicescardoperations-summary__entry__38} | Release | Release notes | |-|-| | Zurich | No updates for this release. | | Australia | No updates for this release. | [ ] ## Browser requirements If any specific browser requirements were introduced or changed for Financial Services Card Operations we have noted them here. {#dfrn3-financialservicescardoperations-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 Financial Services Card Operations, such as specific requirements or compliance levels. {#dfrn3-financialservicescardoperations-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 Financial Services Card Operations we have noted them here. {#dfrn3-financialservicescardoperations-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 Financial Services Card Operations we have noted them here. {#dfrn3-financialservicescardoperations-summary__entry__62} | Release | Release notes | |-|-| | Zurich | * Resolve disputes with a new dispute life cycle for Mastercard dispute transactions. * Leverage a new workspace page in Financial Services Card Operations to resolve Mastercard disputes. * Integrate Mastercard's Mastercom APIs into the Dispute Management workflow to resolve card disputes faster and more efficiently. * Resolve ACH disputes faster with a guided, end-to-end workflow that unifies intake, investigation, and resolution---built on a framework ready for any non-card transaction. * Streamline operations with a single, consistent intake process that applies across all dispute workflows. See [Workflow](https://www.servicenow.com/docs/access?context=dispute-management-workflows&family=zurich&ft:locale=en-US) for more information. | | Australia | * Work on Visa dispute transactions and associated transactions from a unified Dispute Workspace for all active transactions. * Streamline dispute document submission to Mastercard with the document attachment and validation enhancement. * Improve dispute resolution accuracy with updated internal policy rules that evaluate the dispute amount rather than the original transaction amount. See [Card Operations](https://www.servicenow.com/docs/access?context=card-ops-landing-page&family=australia&ft:locale=en-US) for more information. | [ ]