How money moves on this rail, in 12 sourced records: what is final, what can be returned, recalled or refunded, who decides, and what the limits are. A profile belongs to the rulebook, so no reason code list is published on this page.
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.
Not yet covered: this directory holds the profile of the SIC IP service only; the SIC RTGS service has its own profile in corpus/ch-sic, and the SIC IP reason codes sit in their own directories; the SIC Handbook, the SIC IP Service Handbook (which holds the IP message flow diagrams), SIC circulars and the three-digit SIC error code list are published only to participants on the SIC Ltd extranet and have not been read; the time-out after which the service cancels an instant payment, and the time a receiving participant has to answer, are not given in any public source read; the governing text for the CHF 20,000 per payment limit and for raising it bilaterally is not public; the figure rests on the SNB report on the SIC system; no public source read gives a deadline for answering an IP return request or for sending an IP return; whether the Instant Payments Bridge was approved, a decision the SNB report placed in mid-2026, is not established; Swiss law was read only in unofficial English translations of the National Bank Ordinance, the Financial Market Infrastructure Act and the Code of Obligations; no case law or legal commentary on bank transfers was read.