--- 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 --- # Explore # Exploring Financial Services Operations Integration with Verifi application {#ariaid-title1} Release version: Brazil Updated September 10, 2026 ![](https://www.servicenow.com/docs/portal-asset/ico-clock) 2 minutes to read Learn how you can use ServiceNow® Financial Services Operations Integration with Verifi application to seamlessly connect FSO's issuer dispute workflow to Verifi CDRN. ## Overview of the application {#explore-fso-integration-with-verifi-cdrn__cf-exploring-parent-overview} Financial Services Operations Integration with Verifi lets issuers automatically negotiate with merchants before disputes move toward chargeback process. When a cardholder disputes a transaction, the issuer submits a case to CDRN, which routes it to the merchant. ServiceNow® manages the issuer-side workflow --- submitting cases, polling for updates, and closing cases when the merchant responds. ## Financial Services Operations Integration with Verifi application users {#explore-fso-integration-with-verifi-cdrn__cf-exploring-parent-users} {#explore-fso-integration-with-verifi-cdrn__table_yjh_r3f_53c__entry__3} | User | Role | Description | |-|-|-| | Dispute agent | Front-line operations staff who manages cardholder dispute cases through the Financial Services Operations Integration with Verifi UI. | * Review merchant alerts and determine eligibility for Verifi CDRN resolution. * Act on merchant responses by accepting or rejecting the proposed resolution. * Close dispute cases efficiently without escalating to chargeback when a valid merchant offer is available that is acceptable for the cardholder. {#explore-fso-integration-with-verifi-cdrn__ul_d1g_3jg_53c} | | System administrator | ServiceNow platform administrator responsible for configuring and maintaining the Verifi CDRN integration. | * Configure the polling interval and SLA thresholds for Verifi CDRN case monitoring. * Maintain the decision table that maps Verifi status codes to outcomes and descriptions. * Confirm the Verifi CDRN API credentials and connection settings are active and correctly configured. {#explore-fso-integration-with-verifi-cdrn__ul_fnq_3jg_53c} | | Integration developer | Implementation partner or internal developer who configures, extends, or troubleshoot the Verifi CDRN integration. | * Understand the API call sequence --- eligibility check, case creation, polling, and acknowledgment handshake --- to configure or extend subflows. * Debug failures at each API touchpoint, including HTTP 403, 409, and EXPORTING status handling. * Validate that the issuer acknowledgment PATCH is correctly closing cases in Verifi. {#explore-fso-integration-with-verifi-cdrn__ul_ws5_qjg_53c} | | Cardholder | The issuer's customer who initiated the dispute. | * Receive a timely resolution to their dispute. * Understand the outcome of the merchant's response when communicated by the agent. {#explore-fso-integration-with-verifi-cdrn__ul_lcf_vjg_53c} | | Merchant | The retailer or service provider whose transaction is being disputed by the cardholder. | * Respond to dispute alerts within the 72-hour window to avoid a chargeback. * Provide a resolution offer --- such as a full or partial refund --- that the cardholder will accept. * Avoid chargeback fees and protect their dispute ratio by resolving cases directly with the issuer through CDRN. | [Table 1. Users] {#explore-fso-integration-with-verifi-cdrn__table_yjh_r3f_53c} ## Financial Services Operations Integration with Verifi application benefits {#explore-fso-integration-with-verifi-cdrn__cf-exploring-parent-benefits} {#explore-fso-integration-with-verifi-cdrn__table_bkh_r3f_53c__entry__3} | Benefit | Feature | Users | |-|-|-| | Dispute resolution without chargeback. | When a merchant accepts the dispute and offers a refund that is acceptable for the cardholder, the case is closed as resolved with no chargeback initiated. | Dispute agent, cardholder | | Automated merchant eligibility check. | The system automatically checks merchant eligibility through the Verifi CDRN API before creating a case. Non-eligible merchants are routed to the standard dispute lifecycle without agent intervention. | Dispute agent | | Reduced chargeback exposure for merchants | Merchants participating in CDRN can respond to dispute alerts directly through Verifi and offer a resolution before a chargeback is filed, protecting their dispute ratio and avoiding chargeback fees. | Merchant | | Seamless API integration | The four-subflow API sequence --- eligibility check, case creation, polling, and acknowledgment handshake --- is fully automated and requires no manual API interaction from agents or supervisors. | Integration developer, system administrator | [ ] {#explore-fso-integration-with-verifi-cdrn__table_bkh_r3f_53c} ## What to explore next {#explore-fso-integration-with-verifi-cdrn__cf-exploring-parent-links} To learn more about configuring and using Financial Services Operations Integration with Verifi, see: * [Configuring Financial Services Operations Integration with Verifi](https://www.servicenow.com/docs/PMzqm8WnQ68ohOMxxbwNKg "Configure the connection between ServiceNow FSO Dispute Management application to the Verifi Cardholder Dispute Resolution Network (CDRN) API to enable end-to-end dispute case submission and resolution.") * [Verifi Spoke](https://www.servicenow.com/docs/access?context=verifi-spoke&version=brazil&pubname=brazil-integrate-applications&ft:locale=en-US) * [Financial Services Operations Integration with Visa reference](https://www.servicenow.com/docs/WWOFjoi_JD34vSKVGi82qg "Reference topics provide additional information on the installed components, including plugins,subflows, and system properties, that you use to configure and administer Financial Services Operations Integration with Visa application.") {#explore-fso-integration-with-verifi-cdrn__ul_ckh_r3f_53c}