---
sourceDocument: Australia Financial Services Operations
sourceDocumentLink: https://servicenow-prod.fluidtopics.net/r/de-DE/financial-services-operations

 Release :

    - australia

ft:locale :

    - de-DE

ft:publication_title :

    - Australia Financial Services Operations

ft:clusterId :

    - finso

bundleId :

    - finso

workflow :

    - Customer and Industry


---

# Allocation workflow

# Allocation workflow overview {#ariaid-title1}

* Freigeben Version: Australia
* 
* Aktualisiert 12. März 2026
* 
* ![](https://www.servicenow.com/docs/portal-asset/ico-clock) 1 Minute Lesedauer

The allocation workflow involves the acquirer initiating pre-arbitration and arbitration for fraud and authorization
disputes.

1. The issuer creates a dispute for a transaction. The acquirer accepts the dispute on behalf of the merchant and closes the dispute.
2. If the acquirer doesn't accept the dispute, they can file a pre-arbitration with the issuer. The issuer can accept the pre-arbitration and end the dispute.
3. The issuer can reject the pre-arbitration and contest the charge by filling in a pre-arbitration response questionnaire.
4. The acquirer can choose to end the flow by not proceeding with arbitration. Alternatively, the acquirer can proceed with arbitration and create a case filing with Visa. Visa then receives the case, adjudicates it, and provides the final ruling.
5. Visa provides the final ruling. The issuer or acquirer accepts the ruling and the case is closed.
6. Either party can appeal the decision if they're dissatisfied, provided they meet the appeal guidelines from Visa.
{#allocation-workflow__ol_jzd_lgz_m2c}