Orca

Saudi Arabia sarie (instant payments) Rail Facts

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.

What the tier labels mean, and how far this page has been checked
Draft
An agent wrote it from published material and nobody has checked it. Use it as a lead to confirm, never on its own as the basis for a retry, a return, a deadline or a compliance decision.
Corroborated
A validator found the same answer in one or more named public sources; the class in brackets says how strong they are. "Secondary sources only" means bank, processor or industry guides and nothing from the operator or regulator. Corroborated does not mean checked against the governing rulebook, so confirm before you act.
Verified
A person checked it against Saudi Central Bank (SAMA)'s own current text and recorded the edition and date. The strongest tier here, and still reference material, not legal or compliance advice.

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.

Known gaps in this build

Not yet covered: this directory holds rail facts drawn from SAMA's public rulebook portal and from participant banks' own published pages; the sarie operating rules, technical documents and service level agreements that Saudi Payments shared with member banks are not public and were not consulted; no reason code records exist for this rail; no sarie return or rejection code list is public, and the code appendix on SAMA's portal belongs to the AFAQ cross-currency service, not sarie; whether SAMA has designated sarie a systemically important payment system was not established, so the statutory finality provisions are stated conditionally; how and when participants settle sarie payments with each other is not described in any public text read; SAMA's own sarie product page and the Saudi Payments website could not be read with a plain client, so no fact rests on them; fees have no facet of their own; SAMA's customer fee caps for sarie transfers are recorded in the limits fact.