Combined Dispute Rules Content Pack for Mastercard release notes for upgrades from Yokohama to Australia

reference australia Updated Nov 6, 2026 15 min read australia-yokohama-disputerulescontentpackformastercard-release-notes.md
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Consolidated page of all release notes for Dispute Rules Content Pack for Mastercard from Yokohama to Australia.

How to use this page

To help you prepare for your upgrade, we have combined the cross-family Dispute Rules Content Pack for Mastercard release notes onto one page. Read this summary of the new features, changes, and updated information for your product from Yokohama to Australia.

Tip: If there were no updates for a release notes section in a certain family release, we included a short note for your reference. For example, if a product did not have any updates in Tokyo, the row says "No updates for this release."

Important information for upgrading Dispute Rules Content Pack for Mastercard to Australia

Before you upgrade to Australia, review these pre- and post-upgrade tasks and complete the tasks as needed.

Release

Release notes

Yokohama

No updates for this release.

Zurich

No updates for this release.

Australia
  • Upgrade information

The Australia release adds new data fields to the Authorization and Financial Transaction tables to support the new eligibility rules. The transactionAmountLocal field 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.
## New features

Between your current release family and Australia, new features were introduced for Dispute Rules Content Pack for Mastercard.

Release

Release notes

Yokohama

No updates for this release.

Zurich

A new Mastercard data field programRegistrationId has 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.

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.

The following new Mastercard dispute sub-categories are available:

-   Installment Billing Dispute-Participating Countries \(RC 4850\)
-   Cardholder Dispute-Not Elsewhere Classified-United States Domestic \(RC 4854\)

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.

Streamline dispute processing by validating Mastercard transaction details and questionnaire answers against the eligibility rules in this application's decision tables.

Australia
  • 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

A new Mastercard data field programRegistrationId has 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.

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.

The following new Mastercard dispute sub-categories are available:

-   Installment Billing Dispute-Participating Countries \(RC 4850\)
-   Cardholder Dispute-Not Elsewhere Classified-United States Domestic \(RC 4854\)

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:

-   `adviceReasonCode`
-   `banknetDate`
-   `merchantAdviceCode`
-   `originalMessageTypeIdentifier`
-   `pinServiceCode`
-   `retrievalReferenceNumber`
-   `stan`
-   `transactionAmountLocal`

Note: This field already exists in the Financial Transaction table and is being extended to the Financial Transaction Authorization table in this release.

-   `transactionAmountUsd`
-   `transmissionDateAndTime`

New fields on the Financial Transaction table:

-   `businessServiceIdCode`
-   `cardDataInputCapability`
-   `cardholderAuthenticationCapability`
-   `servicecode`
## Changes

Between your current release family and Australia, some changes were made to existing Dispute Rules Content Pack for Mastercard features.

Release

Release notes

Yokohama

No updates for this release.

Zurich

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.

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.

  • Coral theme

Coral is now the default theme for new portal, web, and mobile experiences with Next Experience or Core UI enabled. This theme provides a fresh look and feel, featuring brand-neutral illustrations to enhance your user experience. A dark theme option is available for web and mobile experiences.

Transformed chargeback eligibility rules into technical formulas to determine the eligibility or ineligibility of a selected transaction for chargeback.

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 \(TFRR\)

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 \(Chip Liability Shift – Lost/Stolen/NRI Fraud\)

Updated the dispute questionnaire provided through Dispute Rules Content Pack for Mastercard by adding new questions and updating existing questions.

Australia
  • Updated Mastercard chargeback ineligibility decision tables for fraud (RC 4870 and RC 4871)

The ineligibility condition for RC 4871 (Chip Liability Shift, Lost, Stolen, or Never Received Issue (NRI) Fraud) in the Mastercard 4871 - Chip Liability Shift-Lost/Stolen/Never Received Issue (NRI) Fraud decision table reverses the comparison for the fraud-report timing window. Before this release, a dispute was ineligible when it was raised fewer than three days after the transaction was reported lost, stolen, or never received in the fraud and loss database. A dispute is ineligible when it is raised more than three days after the report. The condition also requires a fraud report ID to be present; this requirement is unchanged. The associated chargeback ineligibility reason text is updated to match the current wording in the Mastercard Chargeback Guide.

The Mastercard 4870 - Chip Liability Shift and Mastercard 4871 - Chip Liability Shift-Lost/Stolen/Never Received Issue (NRI) Fraud decision tables each change the ineligibility condition for repeat fraud chargebacks on the same Mastercard card account. Before this release, a dispute was ineligible when the Chargeback transactions count was three or more. The count included chargebacks under RC 4837, RC 4870, or RC 4871, regardless of when they were submitted. The condition uses a new input, Fraud CB count before auth date, and a dispute is ineligible when the count is two or more. The new count includes only chargebacks that were submitted before the authorization date of the disputed transaction. The chargeback ineligibility reason text in both decision tables is updated to specify fraud chargebacks.

  • Updated Mastercard chargeback ineligibility decision table for Refund Not Processed (RC 4853)

The Mastercard 4853 - Credit Not Processed decision table adds a condition to the ineligibility rule for RC 4853 (Refund Not Processed). Before this release, a dispute was ineligible when the transaction had one of the merchant category codes (MCCs) 3000 through 3999, 4411, 4511, 4722, 6513, 7011, 7512, 7519, or 7922. The MCC list is unchanged. A dispute with one of these MCCs is ineligible only when the merchant provided a voucher for future use and disclosed it in its terms and conditions. The new condition checks that the answer to the merchant voucher question in the dispute questionnaire is Yes. The chargeback ineligibility reason text is updated to describe the voucher condition.

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.

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.

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\)

Benefit from the dispute questionnaire provided through Dispute Rules Content Pack for Mastercard with some modified questions and added hard stop alerts.
## Removed

Between your current release family and Australia, some Dispute Rules Content Pack for Mastercard features or functionality were removed.

Release

Release notes

Yokohama

No updates for this release.

Zurich

No updates for this release.

Australia

No updates for this release.
## Deprecations

Between your current release family and Australia, some Dispute Rules Content Pack for Mastercard features or functionality were deprecated.

Release

Release notes

Yokohama

No updates for this release.

Zurich

For July store release, the sub-category RC 4834 — Late Presentment has been removed.

Australia

For July store release, the sub-category RC 4834 — Late Presentment has been removed.
## Activation information

Review information on how to activate Dispute Rules Content Pack for Mastercard.

Release

Release notes

Yokohama

No updates for this release.

Zurich
  • Activation information

Install Dispute Rules Content Pack for Mastercard by requesting it from ServiceNow Store. Visit the ServiceNow Store website 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.

Important: Dispute Rules Content Pack for Mastercard is available in the ServiceNow Store. For details, see the "Activation information" section of these release notes.

Australia
  • 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.

Important: Dispute Rules Content Pack for Mastercard is available in the ServiceNow Store. For details, see the "Activation information" section of these release notes.
## Additional requirements

If any additional requirements were introduced or changed for Dispute Rules Content Pack for Mastercard we have noted them here.

Release

Release notes

Yokohama

No updates for this release.

Zurich
  • Additional requirements

This application requires Financial Services Card Operations (sn_bom_credit_card) to be installed.

Australia
  • Additional requirements

This application requires Financial Services Card Operations (sn_bom_credit_card) to be installed.
## Browser requirements

If any specific browser requirements were introduced or changed for Dispute Rules Content Pack for Mastercard we have noted them here.

Release

Release notes

Yokohama

No updates for this release.

Zurich

No updates for this release.

Australia

No updates for this release.
## Accessibility information

Review details on accessibility information for Dispute Rules Content Pack for Mastercard, such as specific requirements or compliance levels.

Release

Release notes

Yokohama

No updates for this release.

Zurich
  • Accessibility information
    • Dark theme

The new Coral theme includes a dark theme option for web and mobile experiences. This option is commonly used to alleviate eye strain and improve readability.

Australia

No updates for this release.
## Localization information

If there are specific localization considerations for Dispute Rules Content Pack for Mastercard we have noted them here.

Release

Release notes

Yokohama

No updates for this release.

Zurich

No updates for this release.

Australia

No updates for this release.
## Highlight information

If there are specific highlight considerations for Dispute Rules Content Pack for Mastercard we have noted them here.

Release

Release notes

Yokohama

No updates for this release.

Zurich
  • Developed and refined chargeback eligibility rules to validate dispute cases against Mastercard core rules.
  • Updated the intake questionnaire for various dispute categories.

See Dispute Rules Content Pack for Mastercard for more information.

Australia
  • 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.
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