---
sourceDocument: Australia Financial Services Operations
sourceDocumentLink: https://www.servicenow.com/docs/r/australia/financial-services-operations

 Release :

    - australia

ft:locale :

    - en-US

ft:publication_title :

    - Australia Financial Services Operations

ft:clusterId :

    - finso

bundleId :

    - finso

workflow :

    - Customer and Industry


---

# Initiating a chargeback

# Initiating a chargeback {#ariaid-title1}

Release version: Australia  
Updated March 12, 2026  
![](https://www.servicenow.com/docs/portal-asset/ico-clock) 1 minute to read  
Complete tasks such as initiating a chargeback, providing credit to a customer, and refunding a merchant.
* **[Report fraud to a card network](https://www.servicenow.com/docs/1W80gNHR~EPEoqcbaOB8hA)**   
  Report potential fraud on a transaction to a card network.
* **[Initiate chargeback and recover funds from merchant](https://www.servicenow.com/docs/AQdVGcKAhFHqVF1z21kwnA)**   
  Initiate a request for the card network issuer to credit the customer.
* **[Review merchant representment](https://www.servicenow.com/docs/pQ2aG1P78irdfauHIYXueQ)**   
  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://www.servicenow.com/docs/w7bjlFxEGdpcAPnFRng8KA)**   
  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://www.servicenow.com/docs/81nfmlXOHk0ooFmpyw6Ivw)**   
  Convert provisional credit previously issued to a customer to a final credit issuance.
* **[Reverse provisional credit](https://www.servicenow.com/docs/nkbUpcjkjZLWs~zc4gshYA)**   
  Reverse the temporary credit issued by the bank to the card holder.
* **[Return funds to merchant](https://www.servicenow.com/docs/REJx3FpqQMt0xgIo6WmF2w)**   
  A merchant can be refunded if their representment evidence is approved.