---
sourceDocument: Xanadu Financial Services Operations
sourceDocumentLink: https://servicenow-prod.fluidtopics.net/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


---

# Managing dispute service requests

# Managing dispute service requests {#ariaid-title1}

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

Dispute management enables agents to create dispute
cases for both personal and business debit and credit card accounts, and automate the process of dispute routing and fraud-related activities. Learn how agents initiate, investigate, and resolve dispute cases for personal and
commercial customers.  
By using the dispute service case and its associated tasks, you can manage dispute cases for your customers. Customers can dispute a transaction on their card account due to several reasons, such as:

* Unauthorized transactions
* Fraudulent activities
* Billing errors
* Receipt of damaged, unsatisfactory, or returned goods
* Any other valid reasons for dispute
{#managing-card-disputes__ul_e41_ljr_5tb}

## Automated workflow

Dispute management incorporates predefined workflows that streamline the process. When a dispute case is initiated, a dispute request flow is automatically generated, based to the specific case requirements. This workflow is based on the following factors:

* Information provided during the initiation stage of the case.
* Decisions made according to predefined business rules.
* Inputs obtained from previous tasks.
{#managing-card-disputes__ul_oqc_fxh_f5b}

The tasks assigned to a dispute case are determined by the information or decisions updated within the case. These dispute tasks are then assigned to dedicated dispute agents, who are prompted to perform follow-up actions, such
as notifying the merchant and issuing provisional or final credit.

To resolve cases, agents perform various activities such as performing investigations, and initiating chargebacks for the tasks assigned to them. Both the case and its tasks are assigned to the assignment groups or agents by
using assignment rules.

For more information, see [Dispute workflows](https://servicenow-prod.fluidtopics.net/6Rupuzl0mj9_UBUVTasQ3Q "As a card dispute agent or agent connector, you can work on a credit or debit card dispute cases by investigating and resolving dispute requests for cardholders.").

## Dashboards

ServiceNow®
Performance Analytics give
service
owners insight into how the team and business are
performing. A dashboard with customizable views is available for Card Operations Dispute
Management.
* **[Create a card dispute service case](https://servicenow-prod.fluidtopics.net/E8YXeLxUc2ibCJMM~VAeYg)**   
  An agent can begin the card dispute or report a dispute by creating a dispute case on behalf of a customer.
* **[Work on a dispute case](https://servicenow-prod.fluidtopics.net/F9qSDmP_X7_DU7WCcSrhfA)**   
  Work on a card dispute case to review case information, ensure that any outstanding tasks are completed, and resolve the service request.
* **[Preconfigured email templates in a card dispute flow](https://servicenow-prod.fluidtopics.net/SoXr8YJD7XE_kri3x5FRrw)**   
  Email templates are pre-formatted files that you can use to start creating email notifications.
* **[Implementing the 4-eyes policy for approval tasks](https://servicenow-prod.fluidtopics.net/J_sUpnxtd0iVwUFMSXGAZg)**   
  The 4-eyes policy, implemented in the case dispute flow, can enhance your dispute management process. This policy ensures that two authorized individuals handle the critical tasks and establish an efficient risk control mechanism.