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

 Release :

    - xanadu

ft:locale :

    - en-US

ft:publication_title :

    - Xanadu Financial Services Operations

ft:clusterId :

    - finso

bundleId :

    - finso

workflow :

    - Customer and Industry


---

# Initiating a chargeback

# Initiating
a chargeback {#ariaid-title1}

* Release version: Xanadu
* 
* Updated August 1, 2024
* 
* ![](https://www.servicenow.com/docs/portal-asset/ico-clock) 1 minute to read

Complete tasks such as reporting fraud, initiating a chargeback, and refunding a
merchant.
* **[Report fraud to a card network](https://www.servicenow.com/docs/RXBnDwZa1FFMHnvS~1xXGg)**   
  Report potential fraud on a transaction to a card network.
* **[Initiate chargeback and recover funds from merchant](https://www.servicenow.com/docs/G4715IXlZxoSPTWZF80Rcg)**   
  Initiate a request for the card network issuer to credit the customer.
* **[Review representment](https://www.servicenow.com/docs/u5QM6k3rR9cdjFDPPyt2mg)**   
  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/56QGL5rmQXrQuez6s4QVsQ)**   
  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/T3SRRILR1bYAajyiOVwXTA)**   
  Convert provisional credit previously issued to a customer to a final credit issuance.
* **[Reverse provisional credit](https://www.servicenow.com/docs/70mpUtl4oO_~bsRD8B~img)**   
  Reverse the temporary credit issued by the bank to the card holder.
* **[Refund a merchant](https://www.servicenow.com/docs/EUX0k2yNpMjp47BWOdEN9w)**   
  A merchant can be refunded if their representment evidence is approved.