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: Annexes I, II, III and VI of EPC016-06 were not read: the Adherence Agreement, the EPC Payment Scheme Management Rules, Risk Management, and the Instructions for the Refund Procedure for Unauthorised Transactions; the SWIFT message used for a refund claim (DS-08) and a mandate copy request (DS-10) is called the suitable SWIFT message and is never identified, in the rulebook or the Implementation Guidelines; the e-mandate documents EPC002-09 and EPC114-08 were not read, so e-mandate messages and process steps are absent from the profile; 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; the TARGET Days Calendar and EPC409-09, the list of SEPA scheme countries, were not read for the profile; no national transposition of Directive (EU) 2015/2366 was read, so the consumer-law and refund facets state the Directive rather than the law a debtor actually holds; the status of the PSD3 and PSR successor package as of September 2026 is unknown.