21 codes that cover most of what an originator sees. Each one carries the decision: retry or stop, how long the receiving institution has to send it, what the guidance rests on, and when it was last checked.
What the tier labels mean, and how far this page has been checked
Draft
An agent wrote it from published material and nobody has checked it. Use it as a lead to confirm, never on its own as the basis for a retry, a return, a deadline or a compliance decision.
Corroborated
A validator found the same answer in one or more named public sources; the class in brackets says how strong they are. "Secondary sources only" means bank, processor or industry guides and nothing from the operator or regulator. Corroborated does not mean checked against the governing rulebook, so confirm before you act.
Verified
A person checked it against Payments Canada's own current text and recorded the edition and date. The strongest tier here, and still reference material, not legal or compliance advice.
On a rail fact, every detail line names the section or instrument it rests on and whether that is a rule, a law, operator guidance, or observed practice.
Nothing matches. Try a code number, or a phrase like "revoked", "savings", or "company name".
Known gaps in this build
Not yet covered: scope is Canadian dollar Automated Funds Transfer (direct deposits and pre-authorized debits) on the ACSS; cheques, point-of-service items and US dollar AFT under Rule K8 and the US Bulk Exchange are not covered; the Standard 007 transaction codes are not held as records; only the few that change a payor's rights are named inside the rail facts; By-law No. 3 and Rules A4, A6, D1, D2, D3 and J10 have not been read, so clearing status, items in dispute and interest claims rest on cross-references only; provincial consumer protection law and the federal financial consumer protection framework have not been read.