43 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 ISO message identifiers for this scheme sit in EPC115-06 and EPC132-08, the Inter-PSP and Customer-to-PSP Implementation Guidelines, which have not been read; the messages fact asserts none of them; which ISO 20022 message versions the 2025 Implementation Guidelines pin is not established; 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 list of Participants has not been read, so no participant count is asserted; 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 STEP2 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; national transposition of Directive (EU) 2015/2366 was not checked, and consumer positions can differ by Member State; the date each Return, Recall and Request for Recall provision first took effect is unknown; only the 2025 v1.1 edition was read; the 2027 rulebook is due for publication in November 2026 and would take effect in November 2027; the change requests in EPC008-26 are proposals only.