41 codes that cover most of what an originator sees. Each one carries the decision: retry or stop, how long the receiving institution has to send it, what the guidance rests on, and when it was last checked.
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: the SCT Inst Customer-to-PSP Implementation Guidelines have not been read, so no ISO message is asserted for the customer-side datasets DS-01, DS-04 and DS-10; the inter-PSP guideline, read 2026-09-24, covers the other seven; the payee check scheme's own internals, such as the EPC directory of its members and its API security, are out of scope since 2026-09-24, so no record describes them; the records hold only what gates an SCT Inst payment; EPC409-09, the list of SEPA scheme countries and territories, has not been read, so no country list and no count is asserted; the SCT Inst list of Participants has not been read, so neither a participant count nor the share that is receive-only is asserted; the prefunding and settlement guarantee amounts behind the AM23 reject are set per CSM and per participant and are not published by the EPC; the T2 closing days are named by the rulebook but not listed; no Eurosystem calendar has been read; CSM behaviour is outside the rulebook and the detailed operational rules of RT1, TIPS and the national CSMs are participant-only, so settlement timing, interoperability and whether the final leg is in central bank money are unanswered; Directive 98/26/EC was not read, so settlement finality as a matter of insolvency law is unconfirmed; the 2024 amendment that brought payment and e-money institutions into its definition of an institution was read in Regulation (EU) 2024/886, Article 4; the scheme maximum amount carried by the 2023 rulebook was not read, so the figure the 2025 edition removed is not asserted; national transposition of Directive (EU) 2015/2366 was not checked, and consumer positions can differ by Member State; the 2027 rulebook is due for publication in November 2026 and would take effect in November 2027; the change requests in EPC009-26 are proposals only.