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

 Release :

    - brazil

ft:locale :

    - en-US

ft:publication_title :

    - Brazil Financial Services Operations

ft:clusterId :

    - finso

bundleId :

    - finso

workflow :

    - Customer and Industry


---

# Exploring Dispute Rules Content Pack for Nacha

# Exploring Dispute Rules Content Pack for Nacha {#ariaid-title1}

Release version: Brazil  
Updated September 10, 2026  
![](https://www.servicenow.com/docs/portal-asset/ico-clock) 2 minutes to read
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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 Exploring Dispute Rules Content Pack for Nacha

The Dispute Rules Content Pack for Nacha application helps ServiceNow customers efficiently categorize and process Automated Clearing House (ACH) disputes in accordance with Nacha operating guidelines.
Nacha governs the rules and standards for ACH payments in the U.S., including dispute and return transaction handling by financial institutions.
This application provides agents with centralized access to Nacha's ACH return reason codes and the predefined logic for determining eligibility and categorization of disputed transactions.
Show full answer Show less  

## Key Features

* **Centralized Reference:** Access to 10 specific ACH return reason codes aligned with Nacha standards, along with the logic to validate disputes against these codes.
* **Guided Dispute Submission Workflow:** Enables agents or customers to initiate dispute cases via Financial Services Workspace or the service portal, select disputed transactions, complete a structured questionnaire, and upload supporting documentation.
* **Automated Rule Application:** Uses decision tables and rules to accurately determine dispute categories and reason codes based on the completed questionnaire and Nacha guidelines.
* **Collaboration Support:** Facilitates collaboration between dispute agents and customers to ensure necessary documentation, including the Written Statement of Unauthorized Debit (WSUD), is collected.

## Benefits

* Ensures disputes are managed effectively and resolved with adherence to industry standards.
* Improves accuracy in dispute categorization and chargeback eligibility determination based on Nacha rules.
* Streamlines the review and analysis process for dispute cases, promoting optimal outcomes.
* Enhances compliance by embedding Nacha operating guidelines directly into the dispute resolution workflow.

## Next Steps

ServiceNow customers interested in implementing or using the Dispute Rules Content Pack for Nacha can explore detailed guidance on installation, configuration, and usage to maximize dispute processing efficiency and compliance.  
Learn how the Dispute Rules Content Pack for Nacha application helps ensure that your organization can properly categorize and process automated clearing house (ACH) disputes.

## Dispute Rules Content Pack for Nacha overview {#exploring-dispute-rules-content-pack-for-nacha__cf-exploring-parent-overview}

Nacha, originally known as the National Automated Clearinghouse Association, is the steward of the ACH network in the United States. It governs the rules and standards for electronic ACH payments, including how disputes
and return transactions must be handled by financial institutions.

The Dispute Rules Content Pack for Nacha application enables your agents to access Nacha operating guidelines to check the eligibility of disputed ACH transactions. It provides a central reference for ACH return reason codes and the logic used to determine them based on the operating guidelines.

Dispute Rules Content Pack for Nacha includes 10 reason codes and the predefined logic to determine if the codes apply to a disputed transaction. See [Dispute Reason Codes](https://www.servicenow.com/docs/~pdxoL6iZ2WpTVJR1IQGvg#components-installed-with-dispute-rules-content-pack-for-nacha__section_upm_p2c_xgc) for more information.

## Dispute Rules Content Pack for Nacha users {#exploring-dispute-rules-content-pack-for-nacha__cf-exploring-parent-users}

{#exploring-dispute-rules-content-pack-for-nacha__table_jjj_tyz_tgc__entry__2}

| User | Description |
|-|-|
| Dispute Agents, Customers | After filling out the dispute questionnaire, a dispute agent or customer can capture the correct dispute category and reason code for an ACH transaction dispute, in accordance with Nacha guidelines for filing a chargeback. |
[Table 1. Users]

{#exploring-dispute-rules-content-pack-for-nacha__table_jjj_tyz_tgc}

## Dispute Rules Content Pack for Nacha workflow {#exploring-dispute-rules-content-pack-for-nacha__cf-exploring-parent-workflow}

The following infographic shows the workflow for submitting an ACH dispute with Dispute Rules Content Pack for Nacha.
Figure 1. Submitting an ACH dispute with Dispute Rules Content Pack for Nacha  
1. The agent initiates a dispute case in Financial Services Workspace, or the customer initiates a case in the service portal.
2. The user selects the financial account and disputed transaction(s).
3. After the user completes the dispute questionnaire, the decision tables, rules, and flows/actions in Dispute Rules Content Pack for Nacha help to determine the dispute category and dispute reason based on the Nacha guidelines.
4. The user uploads supporting documentation as required.
5. The user finally agrees to the submission disclaimer and submits the dispute.
{#exploring-dispute-rules-content-pack-for-nacha__cf-exploring-parent-workflow-ol}

## Dispute Rules Content Pack for Nacha benefits {#exploring-dispute-rules-content-pack-for-nacha__cf-exploring-parent-benefits}

Key benefits of using the Dispute Rules Content Pack for Nacha include:

* Disputes are effectively managed and resolved by the agents.
* Dispute cases are thoroughly reviewed and analyzed for optimal outcomes.
* Nacha operating guidelines are accurately applied by the agents.
* Collaborative efforts with customers ensure that the required documentation is completed, including Written Statement of Unauthorized Debit (WSUD).
* Disputes are categorized for accurate processing.
* Chargeback eligibility is determined based on the ACH chargeback eligibility rules.
{#exploring-dispute-rules-content-pack-for-nacha__ul_twk_jjw_5gc}

## What to explore next {#exploring-dispute-rules-content-pack-for-nacha__cf-exploring-parent-links}

To learn more about configuring and using Dispute Rules Content Pack for Nacha, see:

* [Installing Dispute Rules Content Pack for Nacha](https://www.servicenow.com/docs/M4bcK7oKFbxnHODQQ1FAPQ "If you have the admin role, you can install the Dispute Rules Content Pack for Nacha application.")
* [Using Dispute Rules Content Pack for Nacha](https://www.servicenow.com/docs/3ilHcwnkugN0g1zTHVndhA "By using the Dispute Rules Content Pack for Nacha, your agents can help customers to determine the correct reason code for automated clearing house (ACH) transaction disputes based on Nacha operating guidelines. Agents use the predefined logic in the content pack, as well as a knowledge base article outlining the eligibility rules, required documentation, and timelines for each return code.")
* [Dispute Rules Content Pack for Nacha reference](https://www.servicenow.com/docs/aRFS9g_~7b1JBABTG9LjAg "Learn about the components and properties that are installed with the Dispute Rules Content Pack for Nacha application.")
{#exploring-dispute-rules-content-pack-for-nacha__ul_njj_tyz_tgc}