24 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 thirteen month exposure of the Debtor PSP, and the bar on recovering it from the Creditor PSP, rest on Annex VI of EPC222-07 and on Annex V of EPC016-06, which the EPC marks as informational; the operative rulebook bodies do not state either; Annex VI still names the Compliance and Adherence Committee as the escalation route, while the Core rulebook change history records that body becoming the Dispute Resolution Committee in the 2019 v1.1 rulebook; Article 5(6) of Regulation 260/2012 requires the payer's PSP to check amount and periodicity where there is no refund right, but the PT-04.09 check list names neither; the tension is unresolved; Annexes I, II, III and VII of EPC222-07 were not read: the Adherence Agreement, the EPC Payment Scheme Management Rules, Risk Management and e-Mandates; the SWIFT message used for the inquiry procedure (DS-08) is called the suitable SWIFT message and is never identified; settlement mechanics, cut-off times and settlement finality under Directive 98/26/EC come from each CSM, not from the scheme; no CSM document was read; no national transposition of Directive (EU) 2015/2366 was read, so which businesses may lawfully opt out of the refund right, and where microenterprises count as consumers, is unknown; how many PSPs adhere to this scheme, and therefore how reachable it is in practice, was not established.