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

 Release :

    - australia

ft:locale :

    - pt-BR

ft:publication_title :

    - Australia Financial Services Operations

ft:clusterId :

    - finso

bundleId :

    - finso

workflow :

    - Customer and Industry


---

# Initiate chargeback

# Chargeback stage {#ariaid-title1}

* Versão de lançamento: Australia
* 
* Atualizado 12 de mar. de 2026
* 
* ![](https://www.servicenow.com/docs/portal-asset/ico-clock) 1 min. de leitura

This stage enables you to report fraud, initiate chargeback, associate dispute transactions, and review merchant representment evidence, create and review pre-arbitration, and case filing. Visa transactions comprises of two workflows for pre-arbitration and arbitration: collaboration workflow and allocation workflow.

In the collaboration workflow, the issuer initiates pre-arbitration and arbitration for dispute categories, such as processing errors and consumer disputes. In the allocation workflow, the acquirer initiates pre-arbitration and
arbitration when the dispute category is either Fraud or Authorization.
* **[Collaboration dispute workflow](https://servicenow-prod.fluidtopics.net/KzcOvw5XY9QmPn9y2HabdA)**   
  In the collaboration workflow, dispute agents work to resolve consumer disputes and processing errors. In this workflow, issuers can choose to initiate pre-arbitration and arbitration, and acquirers can respond to these events.
* **[Allocation dispute workflow](https://servicenow-prod.fluidtopics.net/ZVDMgPBx1k4l0du2p0L~9Q)**   
  In the allocation workflow, dispute agents work to resolve fraud and authorization disputes. Acquirers can choose to initiate pre-arbitration and arbitration, and issuers can respond. This is a part of the allocation dispute workflow for the Chargeback stage.