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 Mastercard profile only; the decline response codes the Transaction Processing Rules name are in corpus/mastercard-decline; chargeback message reason codes, their conditions and their time frames: they sit in the Chargeback Guide, which is on Mastercard Connect and not on Mastercard's public rules page, so no mastercard-dispute directory exists; the Settlement Manual (cut-off times, settlement options), the Authorization Manual and the Dual and Single Message System specifications (message timers, the full set of response codes and their valid pairing with Merchant Advice Codes) are not public to Orca; the Data Integrity Monitoring Program manual, which holds the Excessive Chargeback Program thresholds, is not public to Orca; Mastercard announcements, which change the rules before a new edition restates them, sit in the Technical Resource Center on Mastercard Connect and are not public to Orca; the Mastercard Switch Rules manual is excluded by decision and was not used; regional chapters of the Mastercard Rules and most regional sections of the Transaction Processing Rules were read only where a fact names them; the consumer protection laws the rules defer to (for example Regulation E and Regulation Z in the United States, PSD2 in the EEA) have not been read.