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: InstaPay reject and return reason codes: the ACH operating guidelines and PSMB rulebooks that hold them are kept by PPMI and not published, so no code list exists for this rail; the InstaPay ACH operating guidelines are not public, so timeout values, settlement cycle times in the Peso RTGS, the rules for fee return and the entity-at-fault allocation are named here without their contents; BSP Circular No. 1196 (2024) on settlement, Circular Letter CL-2020-036 on PPMI accreditation and the National Payment Systems Act (RA 11127) are scanned images with no text layer and were not read; RA 12010 (AFASA) and RA 11765 were not read directly; liability and consumer-law rest on the BSP circulars that implement them; InstaPay Cash-in, InstaPay QR and the P2B bills payment use case are named but not described use case by use case.