Dispute Rules Content Pack for Mastercard release notes
The ServiceNow® Dispute Rules Content Pack for Mastercard application supports the intake of dispute-related information under various dispute categories according to Mastercard guidelines. Dispute Rules Content Pack for Mastercard was enhanced and updated in the Australia release.
About Dispute Rules Content Pack for Mastercard
- Keep Mastercard dispute assessments compliant with updated chargeback ineligibility rules across the Authorization, Processing Errors, and Cardholder Disputes categories.
- Assess chargeback eligibility accurately using new data fields sourced from the Mastercard authorization and clearing APIs.
See Dispute Rules Content Pack for Mastercard for more information.
Activation and other requirements
- Activation information
Install Dispute Rules Content Pack for Mastercard by requesting it from the ServiceNow Store. Visit the ServiceNow Store 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.
- Upgrade information
The Australia release adds new data fields to the Authorization and Financial Transaction tables to support the new eligibility rules. The
transactionAmountLocalfield already exists in the Financial Transaction table but is being extended to the Financial Transaction Authorization table in this release. No other pre-existing fields are affected. After upgrading, confirm that the new fields are available and populated on your instance.- Additional requirements
This application requires Financial Services Card Operations (sn_bom_credit_card) to be installed.
October 2026
Maintain compliance with the latest Mastercard chargeback rules. This release adds new transactional data field values for Mastercard authorization processing and refines the fraud chargeback eligibility condition for reason code (RC) 4871.
What's new
- New choice values for Mastercard transactional data fields
-
Use the new processing_code and merchant_advice_code choice values on the Financial Transaction Authorization table to align with the current authorization data requirements of Mastercard.
processing_code values:- 00 Purchase
- 01 Withdrawal
- 02 Debit Adjustment
- 09 Purchase with Cash Back
- 10 Visa Only. Account Funding
- 17 Cash Disbursement
- 18 Scrip Issue
- 20 Purchase Return/Refund
- 21 Deposit
- 22 Credit Adjustment
- 28 Payment Transaction
- 30 Balance Inquiry
- 40 Account Transfer
- 90 Reserved for Future Use
- 91 PIN Unblock
- 92 PIN Change
merchant_advice_code values:- 01 New account information available
- 02 Cannot approve at this time, try again later
- 03 Do not try again
- 04 Token requirements not fulfilled for this token type
- 05 Negotiated value not approved
- 06 Original Transaction Approved
- 07 Original Transaction Declined
- 08 Original Transaction Approval Status Unknown
- 21 Payment Cancellation
- 22 Merchant does not qualify for product code
- 24 Retry after 1 hour
- 25 Retry after 24 hours
- 26 Retry after 2 days
- 27 Retry after 4 days
- 28 Retry after 6 days
- 29 Retry after 8 days
- 30 Retry after 10 days
- 40 Consumer non-reloadable prepaid card
- 41 Consumer single-use virtual card number
- 42 Sanctions score limit exceeded
- 43 Consumer multi-use virtual card number
- 44 Processing in progress
- blank (no value) Retry with PIN
- 90 Issuer decisioned
- 99 Mastercard decisioned
What's changed
- Updated Mastercard chargeback ineligibility rule for fraud
-
The ineligibility condition for RC 4871 (Chip Liability Shift, Lost, Stolen, or Never Received Issue (NRI) Fraud) correctly evaluates the fraud-report timing window. A dispute is ineligible only when it is not raised within three days of the transaction being reported lost, stolen, or never received in the fraud and loss database. The condition also requires a fraud report ID to be present. The associated chargeback ineligibility reason text is updated to match the current wording in the Mastercard Chargeback Guide.
July 2026
The ServiceNow® Dispute Rules Content Pack for Mastercard application supports the intake of dispute-related information under various dispute categories according to Mastercard guidelines. Dispute Rules Content Pack for Mastercard was enhanced and updated in the Australia release.
What's new
- July Store Release: New data field for Mastercard chargeback ineligibility rule assessment
-
A new Mastercard data field
programRegistrationIdhas been added to the Financial Transaction table to support chargeback ineligibility rule evaluation for RC 4853 Cardholder Disputes sub-categories. The field is sourced from the Mastercard clearing API.This field identifies the program registration associated with a clearing transaction. The field displays both the program code and its description. Supported values include codes for person-to-person transfers, business disbursements, government and non-profit disbursements, merchant-presented QR transactions, and other Mastercard Send program types.
- July Store Release: New input variables for Mastercard chargeback ineligibility rule assessment decision tables
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New input variables have been added to support updated chargeback ineligibility rule evaluation for RC 4808 Authorization sub-categories. The following computed values are used as decision inputs across the Required Authorization Not Obtained, Expired Chargeback Protection Period, Stand-in or X-Code Approval after Issuer Decline, CAT 3 Devices, and Transit First Ride Risk Framework Claims decision tables:
transit_clearing_amount_sum— the sum of local transaction amounts for matching transit clearing transactions, used to evaluate UK domestic contactless transit split-clearing ineligibility conditions.cpd_minus_declined_transit_auth_date_time— the number of days between a declined transit authorization and the chargeback protection date (CPD), used to assess TFRR/FRIL eligibility windows.financial_local_txn_amt_minus_auth_local_txn_amt— the difference between the financial and authorization local transaction amounts, used for RANO authorization amount difference conditions.
- July Store Release: New Mastercard dispute sub-categories
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The following new Mastercard dispute sub-categories are available:
- Installment Billing Dispute-Participating Countries (RC 4850)
- Cardholder Dispute-Not Elsewhere Classified-United States Domestic (RC 4854)
What's changed
- July Store Release: Build and update Mastercard chargeback ineligibility rules — Processing Errors
-
Ineligibility rule conditions have been updated across the RC 4834 Processing Errors sub-categories to align with the latest Mastercard Chargeback Guide. Updated sub-categories include Transaction Amount Differs, Currency Errors, Cardholder Debited More than Once for the Same Goods or Services, ATM Funds Not Dispensed, Charges for Loss, Theft, or Damages, Merchant Refund Correcting Error Resulted in Cardholder Currency Exchange Loss, Improper Merchant Surcharge, Unreasonable Amount, and Cash was not properly provided from a Purchase with Cash Back transaction.
For Currency Errors: A new ineligibility condition has been added. CE is not applicable for ATM transactions (MCC 6011) where either the card was issued outside Europe or the terminal is located outside Europe.
For Transaction Amount Differs: The documentation requirements for this sub-category have been updated. For Maestro cards issued in Europe used at terminals outside Europe, no documentation is required. Brazil domestic disputes involving gratuity amounts now have explicit documentation requirements.
- July Store Release: Build and update Mastercard chargeback ineligibility rules — Cardholder Disputes
-
Ineligibility rule conditions have been added or updated across the following RC 4853 Cardholder Disputes sub-categories to align with the latest Mastercard Chargeback Guide:
- Addendum Dispute
- Cardholder Dispute of a Recurring Transaction
- Counterfeit Goods
- Digital Goods Purchase of USD/EUR 25 or Less
- Goods or Services Not Provided
- Goods or Services Were Either Not as Described or Defective
- No-Show Hotel Charge
- Refund Not Processed
- Refund Posted as a Purchase
- Timeshares
- Transaction Did Not Complete
- Travel/Entertainment Services Not Provided/Not as Described and Merchant Voucher Issued
New ineligibility rule conditions have also been added for the Cardholder Dispute-Not Elsewhere Classified-United States Domestic (RC 4854) sub-category.
What's deprecated or removed
For July store release, the sub-category RC 4834 — Late Presentment has been removed.
Australia General Availability
The ServiceNow® Dispute Rules Content Pack for Mastercard application supports the intake of dispute-related information under various dispute categories according to Mastercard guidelines. Dispute Rules Content Pack for Mastercard was enhanced and updated in the Australia release.
What's new
- May Store Release: New data fields for Mastercard chargeback eligibility rules
-
New data fields sourced from the Mastercard authorization API and Mastercard clearing API have been added to support the expanded eligibility rules. Fields sourced from the Mastercard authorization API are available on the Financial Transaction Authorization table. Fields sourced from the Mastercard clearing API are available on the Financial Transaction table.
New fields on the Financial Transaction Authorization table:
adviceReasonCodebanknetDatemerchantAdviceCodeoriginalMessageTypeIdentifierpinServiceCoderetrievalReferenceNumberstantransactionAmountLocalNote:This field already exists in the Financial Transaction table and is being extended to the Financial Transaction Authorization table in this release.transactionAmountUsdtransmissionDateAndTime
New fields on the Financial Transaction table:
businessServiceIdCodecardDataInputCapabilitycardholderAuthenticationCapabilityservicecode
Australia
The ServiceNow® Dispute Rules Content Pack for Mastercard application supports the intake of dispute-related information under various dispute categories according to Mastercard guidelines. Dispute Rules Content Pack for Mastercard was enhanced and updated in the Australia release.
What's changed
- Dispute Rules Content Pack for Mastercard chargeback eligibility rules updates
- Determine the eligibility of a selected transaction for chargeback through chargeback eligibility rules transformed into technical formulas.For May Store release, new ineligibility conditions have been added across all five existing RC 4808 Authorization sub-categories:
- Required Authorization Not Obtained (RANO)
- Expired Chargeback Protection Period (ECPP)
- Stand-in or X-Code Approval after Issuer Decline (SIXCAID)
- CAT 3 Devices (CAT3D)
- Transit First Ride Risk Framework Claims (TFRR)
For May Store release, expanded eligibility rules for the following fraud dispute reason codes:- RC 4837 (No Cardholder Authorization)
- RC 4849 (Questionable Merchant Activity)
- RC 4870 (Chip Liability Shift)
- RC 4871 (Chip Liability Shift – Lost/Stolen/Never Received Issue (NRI) Fraud)
- Dispute Rules Content Pack for Mastercard intake questionnaire updates
- Benefit from the dispute questionnaire provided through Dispute Rules Content Pack for Mastercard with some modified questions and added hard stop alerts.