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: SPEI has a numbered catalogue of return causes and Orca does not hold it. Regla 24a makes the receiving participant state the cause of a devolución from the catalogue in section 9 of the Manual de Operación del SPEI, and Regla 2a, fracción XXX, defines the Manual as a document the Administrador prepares and makes available to Participantes. So the catalogue exists, it is numbered, and it is longer than the ten grounds Regla 23a names, because fracción VIII of that Regla adds every further cause the catalogue marks as such. Orca holds no mx-spei reason code records and will hold none while that stands; the Manual de Operación del SPEI itself, which is participant only and which Orca will not obtain through third parties, mirrors or document sharing sites. Besides the return cause catalogue it holds the transfer order types and message formats (section 8), the SPEI instance assignment (section 9), the CLABE structure (section 6), the clearing cycle count (section 5.7), the contingency procedures (section 5), the CEP link construction (Apéndice E), the CoDi processing advices and mobile software requirements (Apéndice AD) and the account identifier QR specification (Apéndice AS). Regla 57a makes an applicant sign a unilateral confidentiality undertaking before it may even file for admission, so there is no legitimate route to it short of a licensed feed or Banco de México publishing it; the Convenio de Colaboración para la Protección de Clientes Emisores, the agreement among participants that Regla 43a requires and that is the only route by which a payer who did not instruct a payment gets credited funds back. It is approved by Banco de México but not published, and Regla 30a lets it set shorter return deadlines than the Reglas, which would then govern; the SPEI PFMI disclosure is dated 2016-03-28, which is before six of the eleven amending circulares and before the SPEI instances existed. It is the only public Banco de México document describing the settlement mechanics in prose, and every line taken from it carries that date; how many clearing cycles an unsettled order survives before the Administrador eliminates it: Regla 17a points at section 5.7 of the Manual and no public source gives the number; the Guías bind from Circular 9/2026 and participants have until 2026-12-14 to comply, so the interface rules drawn from them describe what will be required rather than what is required today; general Mexican consumer and financial services law was not read: the Ley para la Transparencia y Ordenamiento de los Servicios Financieros article 22, cited in Circular 9/2026's preamble, the Ley de Protección y Defensa al Usuario de Servicios Financieros and CONDUSEF's own rules; outside this rail: SPID (US dollars, Circular 4/2016, its own Manual and its own participants), DiMo (a Cámara de Compensación de Transferencias a Través de Dispositivos Móviles authorised under Circular 3/2013), SIAC-BANXICO and DALÍ.