{
  "corpus": "orca-rails",
  "format_version": "1",
  "built": "2026-09-26",
  "snapshot": "2026-09-20",
  "commit": "019924ac64ee0aa0742b8f02a04488a83633385d",
  "license": {
    "name": "Creative Commons Attribution 4.0 International (CC BY 4.0)",
    "spdx": "CC-BY-4.0",
    "url": "https://creativecommons.org/licenses/by/4.0/",
    "attribution": "Data from Orca (https://qstve.com/orca/), CC BY 4.0. Snapshot 2026-09-20.",
    "notice": "Reference material about published payment rules. Not legal, compliance or financial advice. Orca cites rulebooks by section and edition and does not reproduce them; rights in the cited documents stay with their authors."
  },
  "counts": {
    "rails": 50,
    "entries": 777,
    "facts": 360,
    "records": 1137,
    "rail_files": 50,
    "record_files": 1137
  },
  "record_path": "records/{rail}/{id}.json",
  "rails": [
    {
      "rail": "apple-pay",
      "name": "Apple Pay (pass-through wallet)",
      "governing_authority": "Apple, through the Apple Developer Program License Agreement and the Acceptable Use Guidelines for Apple Pay on the Web, for the wallet's own rules; the card network, the card issuer and the merchant's acquirer for the payment itself",
      "snapshot": "2026-09-20",
      "file": "rails/apple-pay.json",
      "page": "../apple-pay/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "au-npp",
      "name": "New Payments Platform (Australia)",
      "governing_authority": "NPP Australia Limited",
      "snapshot": "2026-09-20",
      "file": "rails/au-npp.json",
      "page": "../au-npp/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "au-npp-reject",
      "name": "NPP Payment Initiation Reason Codes (Australia)",
      "governing_authority": "NPP Australia Limited",
      "snapshot": "2026-09-20",
      "file": "rails/au-npp-reject.json",
      "page": "../au-npp-reject/index.html",
      "counts": {
        "entries": 33,
        "facts": 0,
        "records": 33
      }
    },
    {
      "rail": "bancontact",
      "name": "Bancontact (Belgian debit card scheme and Bancontact Pro)",
      "governing_authority": "Bancontact Company SA/NV (card scheme rules, not public; Bancontact Pro and Bancontact Pay terms, public)",
      "snapshot": "2026-09-19",
      "file": "rails/bancontact.json",
      "page": "../bancontact/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "blik",
      "name": "BLIK",
      "governing_authority": "Polski Standard Płatności S.A. (PSP)",
      "snapshot": "2026-09-19",
      "file": "rails/blik.json",
      "page": "../blik/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "boleto",
      "name": "Boleto (Brazil payment slip arrangement)",
      "governing_authority": "Banco Central do Brasil (BCB)",
      "snapshot": "2026-09-19",
      "file": "rails/boleto.json",
      "page": "../boleto/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "ca-acss",
      "name": "Canada ACSS (Automated Funds Transfer)",
      "governing_authority": "Payments Canada",
      "snapshot": "2026-09-18",
      "file": "rails/ca-acss.json",
      "page": "../ca-acss/index.html",
      "counts": {
        "entries": 21,
        "facts": 12,
        "records": 33
      }
    },
    {
      "rail": "ch-sic",
      "name": "Swiss Interbank Clearing (SIC)",
      "governing_authority": "SIX Interbank Clearing on behalf of the Swiss National Bank",
      "snapshot": "2026-09-18",
      "file": "rails/ch-sic.json",
      "page": "../ch-sic/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "ch-sic-ip",
      "name": "SIC Instant Payments (SIC IP)",
      "governing_authority": "SIX Interbank Clearing on behalf of the Swiss National Bank",
      "snapshot": "2026-09-18",
      "file": "rails/ch-sic-ip.json",
      "page": "../ch-sic-ip/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "ch-sic-ip-reject",
      "name": "SIC IP Payment Rejections",
      "governing_authority": "SIX Interbank Clearing on behalf of the Swiss National Bank",
      "snapshot": "2026-09-18",
      "file": "rails/ch-sic-ip-reject.json",
      "page": "../ch-sic-ip-reject/index.html",
      "counts": {
        "entries": 17,
        "facts": 0,
        "records": 17
      }
    },
    {
      "rail": "ch-sic-ip-return-request",
      "name": "SIC IP Return Requests",
      "governing_authority": "SIX Interbank Clearing on behalf of the Swiss National Bank",
      "snapshot": "2026-09-18",
      "file": "rails/ch-sic-ip-return-request.json",
      "page": "../ch-sic-ip-return-request/index.html",
      "counts": {
        "entries": 6,
        "facts": 0,
        "records": 6
      }
    },
    {
      "rail": "ch-sic-ip-return-request-rejection",
      "name": "SIC IP Return Request Rejections",
      "governing_authority": "SIX Interbank Clearing on behalf of the Swiss National Bank",
      "snapshot": "2026-09-18",
      "file": "rails/ch-sic-ip-return-request-rejection.json",
      "page": "../ch-sic-ip-return-request-rejection/index.html",
      "counts": {
        "entries": 7,
        "facts": 0,
        "records": 7
      }
    },
    {
      "rail": "ch-sps-status",
      "name": "Swiss Payment Standards Status Report Reasons",
      "governing_authority": "SIX Interbank Clearing (Swiss Payment Standards)",
      "snapshot": "2026-09-18",
      "file": "rails/ch-sps-status.json",
      "page": "../ch-sps-status/index.html",
      "counts": {
        "entries": 41,
        "facts": 0,
        "records": 41
      }
    },
    {
      "rail": "eps",
      "name": "Austria eps-Überweisung",
      "governing_authority": "PSA Payment Services Austria GmbH",
      "snapshot": "2026-09-19",
      "file": "rails/eps.json",
      "page": "../eps/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "eps-error",
      "name": "eps Payment Messages",
      "governing_authority": "PSA Payment Services Austria GmbH",
      "snapshot": "2026-09-19",
      "file": "rails/eps-error.json",
      "page": "../eps-error/index.html",
      "counts": {
        "entries": 14,
        "facts": 0,
        "records": 14
      }
    },
    {
      "rail": "eps-refund-error",
      "name": "eps Refunds",
      "governing_authority": "PSA Payment Services Austria GmbH",
      "snapshot": "2026-09-19",
      "file": "rails/eps-refund-error.json",
      "page": "../eps-refund-error/index.html",
      "counts": {
        "entries": 11,
        "facts": 0,
        "records": 11
      }
    },
    {
      "rail": "eps-status-reason",
      "name": "eps Payment Confirmations",
      "governing_authority": "PSA Payment Services Austria GmbH",
      "snapshot": "2026-09-19",
      "file": "rails/eps-status-reason.json",
      "page": "../eps-status-reason/index.html",
      "counts": {
        "entries": 11,
        "facts": 0,
        "records": 11
      }
    },
    {
      "rail": "fednow",
      "name": "FedNow",
      "governing_authority": "Federal Reserve",
      "snapshot": "2026-09-17",
      "file": "rails/fednow.json",
      "page": "../fednow/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "gcc-afaq",
      "name": "GCC AFAQ (cross-currency payments)",
      "governing_authority": "SAMA (Saudi participant rules); GCC central banks via GPC (system)",
      "snapshot": "2026-09-18",
      "file": "rails/gcc-afaq.json",
      "page": "../gcc-afaq/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "gcc-afaq-reject",
      "name": "GCC AFAQ Payment Rejections",
      "governing_authority": "SAMA (rules for Saudi direct participants); GCC central banks via GPC (system)",
      "snapshot": "2026-09-18",
      "file": "rails/gcc-afaq-reject.json",
      "page": "../gcc-afaq-reject/index.html",
      "counts": {
        "entries": 27,
        "facts": 0,
        "records": 27
      }
    },
    {
      "rail": "gcc-afaq-return",
      "name": "AFAQ Returns (SAMA rules for Saudi participants)",
      "governing_authority": "Saudi Central Bank (SAMA), for its direct participants; AFAQ is owned by the six GCC central banks and run by the Gulf Payments Company",
      "snapshot": "2026-09-18",
      "file": "rails/gcc-afaq-return.json",
      "page": "../gcc-afaq-return/index.html",
      "counts": {
        "entries": 77,
        "facts": 0,
        "records": 77
      }
    },
    {
      "rail": "google-pay",
      "name": "Google Pay (pass-through wallet)",
      "governing_authority": "Google LLC, through the Google Pay API Terms of Service and the Google Pay and Wallet APIs Acceptable Use Policy, for the wallet's own rules; the card network, the card issuer and the merchant's card acquiring bank for the payment itself",
      "snapshot": "2026-09-20",
      "file": "rails/google-pay.json",
      "page": "../google-pay/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "in-upi",
      "name": "UPI (Unified Payments Interface)",
      "governing_authority": "Reserve Bank of India",
      "snapshot": "2026-09-20",
      "file": "rails/in-upi.json",
      "page": "../in-upi/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "mastercard",
      "name": "Mastercard",
      "governing_authority": "Mastercard",
      "snapshot": "2026-09-19",
      "file": "rails/mastercard.json",
      "page": "../mastercard/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "mastercard-decline",
      "name": "Mastercard Decline Response Codes (partial)",
      "governing_authority": "Mastercard",
      "snapshot": "2026-09-19",
      "file": "rails/mastercard-decline.json",
      "page": "../mastercard-decline/index.html",
      "counts": {
        "entries": 38,
        "facts": 0,
        "records": 38
      }
    },
    {
      "rail": "mx-spei",
      "name": "SPEI (Mexico peso interbank electronic transfers)",
      "governing_authority": "Banco de México",
      "snapshot": "2026-09-20",
      "file": "rails/mx-spei.json",
      "page": "../mx-spei/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "my-duitnow",
      "name": "Malaysia DuitNow",
      "governing_authority": "Bank Negara Malaysia",
      "snapshot": "2026-09-18",
      "file": "rails/my-duitnow.json",
      "page": "../my-duitnow/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "nct-inst",
      "name": "Nordic Credit Transfer Instant (NCT Inst)",
      "governing_authority": "Nordic Payments Council",
      "snapshot": "2026-09-18",
      "file": "rails/nct-inst.json",
      "page": "../nct-inst/index.html",
      "counts": {
        "entries": 46,
        "facts": 12,
        "records": 58
      }
    },
    {
      "rail": "paypal",
      "name": "PayPal (staged wallet)",
      "governing_authority": "PayPal (regional entities; US: PayPal, Inc.)",
      "snapshot": "2026-09-19",
      "file": "rails/paypal.json",
      "page": "../paypal/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "paypal-dispute",
      "name": "PayPal Dispute Reasons",
      "governing_authority": "PayPal (regional entities; US: PayPal, Inc.)",
      "snapshot": "2026-09-19",
      "file": "rails/paypal-dispute.json",
      "page": "../paypal-dispute/index.html",
      "counts": {
        "entries": 10,
        "facts": 0,
        "records": 10
      }
    },
    {
      "rail": "ph-instapay",
      "name": "Philippines InstaPay",
      "governing_authority": "Bangko Sentral ng Pilipinas",
      "snapshot": "2026-09-18",
      "file": "rails/ph-instapay.json",
      "page": "../ph-instapay/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "ph-pesonet",
      "name": "Philippines PESONet",
      "governing_authority": "Bangko Sentral ng Pilipinas",
      "snapshot": "2026-09-18",
      "file": "rails/ph-pesonet.json",
      "page": "../ph-pesonet/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "pix",
      "name": "Pix",
      "governing_authority": "Banco Central do Brasil",
      "snapshot": "2026-09-17",
      "file": "rails/pix.json",
      "page": "../pix/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "pix-reject",
      "name": "Pix Payment Rejects",
      "governing_authority": "Banco Central do Brasil",
      "snapshot": "2026-09-17",
      "file": "rails/pix-reject.json",
      "page": "../pix-reject/index.html",
      "counts": {
        "entries": 45,
        "facts": 0,
        "records": 45
      }
    },
    {
      "rail": "pix-return",
      "name": "Pix Returns (Devolucao)",
      "governing_authority": "Banco Central do Brasil",
      "snapshot": "2026-09-17",
      "file": "rails/pix-return.json",
      "page": "../pix-return/index.html",
      "counts": {
        "entries": 4,
        "facts": 0,
        "records": 4
      }
    },
    {
      "rail": "rtp",
      "name": "RTP",
      "governing_authority": "The Clearing House",
      "snapshot": "2026-09-17",
      "file": "rails/rtp.json",
      "page": "../rtp/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "rtp-reject",
      "name": "RTP Payment Rejects",
      "governing_authority": "The Clearing House",
      "snapshot": "2026-09-19",
      "file": "rails/rtp-reject.json",
      "page": "../rtp-reject/index.html",
      "counts": {
        "entries": 59,
        "facts": 0,
        "records": 59
      }
    },
    {
      "rail": "rtp-return-request",
      "name": "RTP Return Request Reasons",
      "governing_authority": "The Clearing House",
      "snapshot": "2026-09-17",
      "file": "rails/rtp-return-request.json",
      "page": "../rtp-return-request/index.html",
      "counts": {
        "entries": 7,
        "facts": 0,
        "records": 7
      }
    },
    {
      "rail": "sa-sarie",
      "name": "Saudi Arabia sarie (instant payments)",
      "governing_authority": "Saudi Central Bank (SAMA)",
      "snapshot": "2026-09-18",
      "file": "rails/sa-sarie.json",
      "page": "../sa-sarie/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "sepa-sct",
      "name": "SEPA Credit Transfer",
      "governing_authority": "European Payments Council",
      "snapshot": "2026-09-17",
      "file": "rails/sepa-sct.json",
      "page": "../sepa-sct/index.html",
      "counts": {
        "entries": 43,
        "facts": 12,
        "records": 55
      }
    },
    {
      "rail": "sepa-sct-inst",
      "name": "SEPA Instant Credit Transfer",
      "governing_authority": "European Payments Council",
      "snapshot": "2026-09-17",
      "file": "rails/sepa-sct-inst.json",
      "page": "../sepa-sct-inst/index.html",
      "counts": {
        "entries": 41,
        "facts": 12,
        "records": 53
      }
    },
    {
      "rail": "sepa-sdd-b2b",
      "name": "SEPA Direct Debit B2B",
      "governing_authority": "European Payments Council",
      "snapshot": "2026-09-17",
      "file": "rails/sepa-sdd-b2b.json",
      "page": "../sepa-sdd-b2b/index.html",
      "counts": {
        "entries": 24,
        "facts": 12,
        "records": 36
      }
    },
    {
      "rail": "sepa-sdd-core",
      "name": "SEPA Direct Debit Core",
      "governing_authority": "European Payments Council",
      "snapshot": "2026-09-17",
      "file": "rails/sepa-sdd-core.json",
      "page": "../sepa-sdd-core/index.html",
      "counts": {
        "entries": 24,
        "facts": 12,
        "records": 36
      }
    },
    {
      "rail": "uk-fps",
      "name": "Faster Payments (UK)",
      "governing_authority": "Pay.UK Limited",
      "snapshot": "2026-09-20",
      "file": "rails/uk-fps.json",
      "page": "../uk-fps/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "uk-fps-reject",
      "name": "Faster Payments Rejection Codes",
      "governing_authority": "Pay.UK Limited",
      "snapshot": "2026-09-20",
      "file": "rails/uk-fps-reject.json",
      "page": "../uk-fps-reject/index.html",
      "counts": {
        "entries": 8,
        "facts": 0,
        "records": 8
      }
    },
    {
      "rail": "uk-fps-return",
      "name": "Faster Payments Return Reasons",
      "governing_authority": "Pay.UK Limited",
      "snapshot": "2026-09-20",
      "file": "rails/uk-fps-return.json",
      "page": "../uk-fps-return/index.html",
      "counts": {
        "entries": 8,
        "facts": 0,
        "records": 8
      }
    },
    {
      "rail": "us-ach",
      "name": "US ACH",
      "governing_authority": "Nacha",
      "snapshot": "2026-09-16",
      "file": "rails/us-ach.json",
      "page": "../us-ach/index.html",
      "counts": {
        "entries": 90,
        "facts": 12,
        "records": 102
      }
    },
    {
      "rail": "visa",
      "name": "Visa",
      "governing_authority": "Visa (Visa Core Rules and Visa Product and Service Rules)",
      "snapshot": "2026-09-19",
      "file": "rails/visa.json",
      "page": "../visa/index.html",
      "counts": {
        "entries": 0,
        "facts": 12,
        "records": 12
      }
    },
    {
      "rail": "visa-decline",
      "name": "Visa Authorization Declines",
      "governing_authority": "Visa (Visa Core Rules and Visa Product and Service Rules)",
      "snapshot": "2026-09-19",
      "file": "rails/visa-decline.json",
      "page": "../visa-decline/index.html",
      "counts": {
        "entries": 42,
        "facts": 0,
        "records": 42
      }
    },
    {
      "rail": "visa-dispute",
      "name": "Visa Disputes",
      "governing_authority": "Visa",
      "snapshot": "2026-09-19",
      "file": "rails/visa-dispute.json",
      "page": "../visa-dispute/index.html",
      "counts": {
        "entries": 23,
        "facts": 0,
        "records": 23
      }
    }
  ]
}