{"corpus":"orca-verify","format_version":"1","built":"2026-09-26","snapshot":"2026-09-20","commit":"019924ac64ee0aa0742b8f02a04488a83633385d","license":{"name":"Creative Commons Attribution 4.0 International (CC BY 4.0)","spdx":"CC-BY-4.0","url":"https://creativecommons.org/licenses/by/4.0/","attribution":"Data from Orca (https://qstve.com/orca/), CC BY 4.0. Snapshot 2026-09-20.","notice":"Reference material about published payment rules. Not legal, compliance or financial advice. Orca cites rulebooks by section and edition and does not reproduce them; rights in the cited documents stay with their authors."},"about":"The records most worth a human verifying next, ranked. Verification is a human act against the governing authority's own current text, and scripts/verify.mjs is the only way to record one. Derived from the corpus at build time and stored nowhere between builds.","verified":0,"counts":{"queued":2194,"draft":126,"corroborated":2068,"by_kind":{"rail fact":360,"reason code":777,"Rule":939,"Exception":60,"Mandate":11,"LifecycleState":41,"Calendar":1,"CodeSet":5},"by_rail":{"sepa-sct-inst":53,"pix":186,"sepa-sct":55,"fednow":12,"sa-sarie":12,"uk-fps":94,"my-duitnow":12,"sepa-sdd-core":36,"ca-acss":33,"sepa-sdd-b2b":36,"us-ach":371,"in-upi":80,"nct-inst":58,"ph-instapay":12,"au-npp":131,"google-pay":44,"mx-spei":75,"ph-pesonet":12,"rtp-return-request":7,"paypal-dispute":10,"ch-sic-ip-reject":17,"bancontact":61,"uk-fps-reject":12,"ch-sic":12,"apple-pay":46,"uk-fps-return":11,"ch-sic-ip":12,"boleto":59,"eps-error":14,"gcc-afaq":12,"paypal":12,"rtp":12,"rtp-reject":67,"gcc-afaq-return":77,"pix-reject":45,"mastercard":12,"gcc-afaq-reject":27,"blik":68,"eps":61,"pix-return":4,"visa":12,"ch-sps-status":41,"visa-decline":42,"visa-dispute":23,"mastercard-decline":38,"ch-sic-ip-return-request":6,"ch-sic-ip-return-request-rejection":7,"au-npp-reject":33,"eps-status-reason":11,"eps-refund-error":11},"with_conflict":38,"with_questions":1012,"stale":0},"factors":[{"key":"consequence","label":"Operational consequence","max":20,"how":"What turns on the record, 0 to 12, plus whether it carries a deadline, 0 to 8. 12 when it decides whether money comes back or who bears a loss: a reason code that says do not retry, a Core record whose money_moves is true, or a facet among finality, liability, recall, refund, return, consumer-law. 8 when it sets a limit, a cut-off or a choice point: a reason code that allows a retry under conditions, or a facet among limits, decision-points, settlement, hours. 4 otherwise (participants, messages, or no facet). A Core record states its deadline, its threshold, who bears the loss and who is eligible as typed parameters, and those are read too: liability_holder scores 12, and time_window, limit or eligibility score 8. Then 8 when a deadline on the record is anchored to a day or a date, 4 when it is measured in seconds, minutes or hours, and 0 when the record carries no deadline."},{"key":"frequency","label":"Likely frequency","max":18,"how":"Two proxies, because the corpus holds no usage data. 0 to 12 for graded practitioner questions: 12 when three or more questions in a graded competency bank name this uid in answered_by, 8 for two, 4 for one. 0 to 6 for inbound links: 6 when six or more other records point at this uid, 4 for three to five, 2 for one or two, counting related on published records and used_by on Core records."},{"key":"draft","label":"Draft status","max":16,"how":"16 when effective_status is draft, which covers both a record nobody has checked and a corroboration that has gone stale. 0 when it is corroborated. A verified or superseded record is not in the queue at all."},{"key":"evidence","label":"Evidence strength","max":14,"how":"From source_class, the strongest class among the record's own corroboration: 10 when nothing has checked it, 8 secondary, 4 public_primary, 0 authoritative_primary. Plus 4 when currency.primary_not_public is true, meaning the governing authority's own text was not the source."},{"key":"staleness","label":"Staleness","max":10,"how":"The age of the newest checked_on among the record's corroboration, against the corpus snapshot: 10 when the check has already gone stale under the 24 month rule, 6 at 18 months or older, 3 at 12 months or older, 0 when newer or when nothing has been checked (which evidence strength already scores at its maximum)."},{"key":"conflict","label":"Conflicting sources","max":10,"how":"From the source-conflict register, on the uids each conflict names: 10 unresolved, 5 resolved, 3 superseded, the highest where several name the record. A resolved conflict still scores, because what closed it was a reading of public sources, not the authority's own text."},{"key":"compliance","label":"Compliance or consumer protection","max":7,"how":"The highest that applies. 7 for the consumer-law facet, or a reason code requiring a written statement of unauthorized debit. 5 for a reason code that feeds a return-rate threshold, sits in the consumer-dispute group, or whose applies_to names a consumer. 3 for a reason code in the authorization group, a Core Mandate, or a facet among liability, refund, recall."},{"key":"unclear","label":"Unclear deadline or retry guidance","max":5,"how":"3 when the record's deadline carries one of the corpus's own uncertainty markers ([Inference], [Unverified], [Speculation]) or says no deadline is stated or published, or when a reason code carries no return window at all. Plus 2 when a reason code's retry rule carries one of those markers. A rail fact or a Core record has no retry rule and scores 0 on that half."}],"absent":[{"factor":"Real usage","why":"Orca holds no request counts, page views, search logs or reader reports, and the published site collects none. Nothing here knows which code a practitioner actually hit last week. Likely frequency is two proxies instead, and they are named."},{"factor":"Volume on the rail","why":"No rail publishes how often each reason code is used, and the corpus stores no volume field. A code that fires ten thousand times a day and one that fires twice a year score the same."},{"factor":"Money at stake","why":"No record carries an amount, a limit in currency, or a loss figure. Consequence is read from what the record instructs and whether it names a deadline, not from what it could cost."},{"factor":"How hard it is to verify","why":"Whether the governing text is reachable is recorded per rail in the rail brief and in docs/chief-of-staff.md, not per record, so the queue cannot say that the top record needs a licence nobody holds. Several rails are on that held list; read the brief before starting."},{"factor":"Who asked","why":"The graded competency bank records an asker type per question, but only one rail has a bank, so weighting by asker would rank one rail above the rest for a reason that is about coverage of the bank, not about the record."},{"factor":"Age of the rule","why":"currency.effective_since is free text and on many records says the edition read gives no date, so the queue does not treat an old rule as safer or a new one as riskier."}],"queue":[{"uid":"sepa-sct-inst:refund","rail":"sepa-sct-inst","kind":"rail fact","name":"Does anyone have a right to be refunded, and on what grounds?","status":"draft","score":67,"factors":{"consequence":20,"frequency":18,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":0},"reason":"decides refund; 3 graded practitioner questions rest on it; still a draft, nobody has checked it","rank":1},{"uid":"pix:consumer-law","rail":"pix","kind":"rail fact","name":"What protects an end user on Pix, and where does the rulebook stop?","status":"draft","score":63,"factors":{"consequence":20,"frequency":10,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":7,"unclear":0},"reason":"decides consumer law; still a draft, nobody has checked it; 8 other records point at it","rank":2},{"uid":"sepa-sct:consumer-law","rail":"sepa-sct","kind":"rail fact","name":"What consumer law applies, and what does it give a consumer that the rules do not?","status":"draft","score":63,"factors":{"consequence":20,"frequency":10,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":7,"unclear":0},"reason":"decides consumer law; still a draft, nobody has checked it; 7 other records point at it","rank":3},{"uid":"fednow:consumer-law","rail":"fednow","kind":"rail fact","name":"What rights does a consumer have that the rulebook does not give?","status":"draft","score":62,"factors":{"consequence":20,"frequency":6,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":7,"unclear":3},"reason":"decides consumer law; still a draft, nobody has checked it; no source checked","rank":4},{"uid":"sa-sarie:refund","rail":"sa-sarie","kind":"rail fact","name":"Does the payer have a right to get money back, and on what terms?","status":"draft","score":62,"factors":{"consequence":20,"frequency":4,"draft":16,"evidence":14,"staleness":0,"conflict":5,"compliance":3,"unclear":0},"reason":"decides refund; still a draft, nobody has checked it; no source checked","rank":5},{"uid":"uk-fps:recall","rail":"uk-fps","kind":"rail fact","name":"Can a payer get a Faster Payment recalled?","status":"draft","score":61,"factors":{"consequence":20,"frequency":12,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":0},"reason":"decides recall; still a draft, nobody has checked it; 2 graded practitioner questions rest on it","rank":6},{"uid":"my-duitnow:recall","rail":"my-duitnow","kind":"rail fact","name":"Can the sender or the sending bank pull a payment back, and how?","status":"draft","score":60,"factors":{"consequence":20,"frequency":4,"draft":16,"evidence":14,"staleness":0,"conflict":0,"compliance":3,"unclear":3},"reason":"decides recall; still a draft, nobody has checked it; no source checked","rank":7},{"uid":"sepa-sdd-core:MS02","rail":"sepa-sdd-core","kind":"reason code","name":"Refusal by the Debtor","status":"draft","score":60,"factors":{"consequence":20,"frequency":4,"draft":16,"evidence":10,"staleness":0,"conflict":5,"compliance":3,"unclear":2},"reason":"tells a reader not to retry; still a draft, nobody has checked it; no source checked","rank":8},{"uid":"pix:recall","rail":"pix","kind":"rail fact","name":"Can the payer's side pull a Pix back, and what does asking actually do?","status":"draft","score":59,"factors":{"consequence":20,"frequency":10,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":0},"reason":"decides recall; still a draft, nobody has checked it; 7 other records point at it","rank":9},{"uid":"sepa-sdd-core:consumer-law","rail":"sepa-sdd-core","kind":"rail fact","name":"What consumer protection attaches to a Core direct debit, and where does it come from?","status":"draft","score":59,"factors":{"consequence":20,"frequency":6,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":7,"unclear":0},"reason":"decides consumer law; still a draft, nobody has checked it; no source checked","rank":10},{"uid":"sa-sarie:settlement","rail":"sa-sarie","kind":"rail fact","name":"How and in what money do participants settle with each other?","status":"draft","score":58,"factors":{"consequence":16,"frequency":4,"draft":16,"evidence":14,"staleness":0,"conflict":5,"compliance":0,"unclear":3},"reason":"sets a settlement rule; still a draft, nobody has checked it; no source checked","rank":11},{"uid":"ca-acss:916","rail":"ca-acss","kind":"reason code","name":"Personal PAD not drawn as the agreement allows","status":"draft","score":57,"factors":{"consequence":20,"frequency":6,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":2},"reason":"tells a reader not to retry; still a draft, nobody has checked it; no source checked","rank":12},{"uid":"ca-acss:919","rail":"ca-acss","kind":"reason code","name":"Business PAD not drawn as the agreement allows","status":"draft","score":57,"factors":{"consequence":20,"frequency":6,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":2},"reason":"tells a reader not to retry; still a draft, nobody has checked it; no source checked","rank":13},{"uid":"sepa-sdd-b2b:consumer-law","rail":"sepa-sdd-b2b","kind":"rail fact","name":"What consumer protection attaches to a B2B direct debit, and where does it come from?","status":"draft","score":57,"factors":{"consequence":20,"frequency":4,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":7,"unclear":0},"reason":"decides consumer law; still a draft, nobody has checked it; no source checked","rank":14},{"uid":"us-ach:rule.authorization-general-requirements","rail":"us-ach","kind":"Rule","name":"Authorization: what every debit authorization must satisfy","status":"corroborated","score":56,"factors":{"consequence":20,"frequency":18,"draft":0,"evidence":8,"staleness":0,"conflict":0,"compliance":7,"unclear":3},"reason":"decides consumer law; 4 graded practitioner questions rest on it; secondary sources only","rank":15},{"uid":"ca-acss:915","rail":"ca-acss","kind":"reason code","name":"Payor says no debit agreement ever existed","status":"draft","score":55,"factors":{"consequence":20,"frequency":6,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":0},"reason":"tells a reader not to retry; still a draft, nobody has checked it; no source checked","rank":16},{"uid":"ca-acss:918","rail":"ca-acss","kind":"reason code","name":"Personal PAD sent without the required notice to the payor","status":"draft","score":55,"factors":{"consequence":20,"frequency":4,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":2},"reason":"tells a reader not to retry; still a draft, nobody has checked it; no source checked","rank":17},{"uid":"ca-acss:921","rail":"ca-acss","kind":"reason code","name":"Business PAD sent without the required notice to the payor","status":"draft","score":55,"factors":{"consequence":20,"frequency":4,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":2},"reason":"tells a reader not to retry; still a draft, nobody has checked it; no source checked","rank":18},{"uid":"in-upi:rule.upi-autopay-modification","rail":"in-upi","kind":"Rule","name":"UPI AutoPay: changing a live mandate's amount or payee","status":"draft","score":55,"factors":{"consequence":20,"frequency":2,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":7,"unclear":0},"reason":"decides consumer law; still a draft, nobody has checked it; no source checked","rank":19},{"uid":"nct-inst:consumer-law","rail":"nct-inst","kind":"rail fact","name":"What consumer protections apply to an NCT Inst payment, and where do they come from?","status":"draft","score":55,"factors":{"consequence":20,"frequency":2,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":7,"unclear":0},"reason":"decides consumer law; still a draft, nobody has checked it; no source checked","rank":20},{"uid":"nct-inst:recall","rail":"nct-inst","kind":"rail fact","name":"Can the sender get an NCT Inst payment back, and who decides?","status":"draft","score":55,"factors":{"consequence":20,"frequency":6,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":0},"reason":"decides recall; still a draft, nobody has checked it; no source checked","rank":21},{"uid":"sepa-sct:refund","rail":"sepa-sct","kind":"rail fact","name":"Does anyone have a right to be refunded, and on what grounds?","status":"draft","score":55,"factors":{"consequence":20,"frequency":6,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":0},"reason":"decides refund; still a draft, nobody has checked it; no source checked","rank":22},{"uid":"uk-fps:rule.credit-payment-recovery-is-not-a-reversal","rail":"uk-fps","kind":"Rule","name":"Credit Payment Recovery is an attempt, not a right","status":"draft","score":55,"factors":{"consequence":12,"frequency":10,"draft":16,"evidence":14,"staleness":0,"conflict":0,"compliance":3,"unclear":0},"reason":"still a draft, nobody has checked it; no source checked; decides recall","rank":23},{"uid":"us-ach:rule.reinitiation-after-funds-return","rail":"us-ach","kind":"Rule","name":"Reinitiation after an insufficient or uncollected funds return","status":"draft","score":55,"factors":{"consequence":20,"frequency":4,"draft":16,"evidence":10,"staleness":0,"conflict":5,"compliance":0,"unclear":0},"reason":"decides return; still a draft, nobody has checked it; no source checked","rank":24},{"uid":"pix:rule.automatico-three-refusal-families-and-who-raises-them","rail":"pix","kind":"Rule","name":"Pix Automatico: the three places a collection can be refused, and who refuses","status":"draft","score":54,"factors":{"consequence":12,"frequency":16,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":0,"unclear":0},"reason":"3 graded practitioner questions rest on it; still a draft, nobody has checked it; describes the mechanics","rank":25},{"uid":"sa-sarie:liability","rail":"sa-sarie","kind":"rail fact","name":"Who bears the loss when a payment goes wrong?","status":"draft","score":54,"factors":{"consequence":12,"frequency":4,"draft":16,"evidence":14,"staleness":0,"conflict":5,"compliance":3,"unclear":0},"reason":"still a draft, nobody has checked it; no source checked; decides liability","rank":26},{"uid":"us-ach:R11","rail":"us-ach","kind":"reason code","name":"Entry not in accordance with the terms of the authorization","status":"corroborated","score":54,"factors":{"consequence":20,"frequency":18,"draft":0,"evidence":4,"staleness":0,"conflict":5,"compliance":7,"unclear":0},"reason":"tells a reader not to retry; 5 graded practitioner questions rest on it; carries a consumer protection","rank":27},{"uid":"ca-acss:917","rail":"ca-acss","kind":"reason code","name":"Personal PAD sent after the payor cancelled","status":"draft","score":53,"factors":{"consequence":20,"frequency":4,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":0},"reason":"tells a reader not to retry; still a draft, nobody has checked it; no source checked","rank":28},{"uid":"ca-acss:920","rail":"ca-acss","kind":"reason code","name":"Business PAD sent after the payor cancelled","status":"draft","score":53,"factors":{"consequence":20,"frequency":4,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":0},"reason":"tells a reader not to retry; still a draft, nobody has checked it; no source checked","rank":29},{"uid":"nct-inst:refund","rail":"nct-inst","kind":"rail fact","name":"Does anyone have a right to be refunded for an NCT Inst payment, and on what grounds?","status":"draft","score":53,"factors":{"consequence":20,"frequency":4,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":0},"reason":"decides refund; still a draft, nobody has checked it; no source checked","rank":30},{"uid":"ph-instapay:limits","rail":"ph-instapay","kind":"rail fact","name":"What amount limits apply to InstaPay, and who sets them?","status":"draft","score":53,"factors":{"consequence":16,"frequency":4,"draft":16,"evidence":14,"staleness":0,"conflict":0,"compliance":0,"unclear":3},"reason":"sets a limits rule; still a draft, nobody has checked it; no source checked","rank":31},{"uid":"pix:rule.consumer-law-a-fee-rule-and-a-disclosure-rule","rail":"pix","kind":"Rule","name":"A fee rule and a disclosure rule","status":"draft","score":53,"factors":{"consequence":20,"frequency":0,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":7,"unclear":0},"reason":"decides consumer law; still a draft, nobody has checked it; no source checked","rank":32},{"uid":"pix:rule.agendado-a-repeat-date-the-month-lacks-moves-to-the-1st","rail":"pix","kind":"Rule","name":"Pix Agendado: a repeating payment on the 29th, 30th or 31st","status":"draft","score":52,"factors":{"consequence":16,"frequency":10,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":0,"unclear":0},"reason":"sets a settlement rule; still a draft, nobody has checked it; 2 graded practitioner questions rest on it","rank":33},{"uid":"au-npp:liability","rail":"au-npp","kind":"rail fact","name":"Who bears the loss on an NPP payment?","status":"draft","score":51,"factors":{"consequence":20,"frequency":2,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":0},"reason":"decides liability; still a draft, nobody has checked it; no source checked","rank":34},{"uid":"google-pay:liability","rail":"google-pay","kind":"rail fact","name":"Who bears the loss when a Google Pay payment goes wrong?","status":"draft","score":51,"factors":{"consequence":20,"frequency":2,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":0},"reason":"decides liability; still a draft, nobody has checked it; no source checked","rank":35},{"uid":"nct-inst:finality","rail":"nct-inst","kind":"rail fact","name":"When does an NCT Inst payment become final, and can it be reversed?","status":"draft","score":51,"factors":{"consequence":16,"frequency":6,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":0,"unclear":3},"reason":"decides finality; still a draft, nobody has checked it; no source checked","rank":36},{"uid":"nct-inst:liability","rail":"nct-inst","kind":"rail fact","name":"Who is liable when an NCT Inst payment goes wrong, and how much?","status":"draft","score":51,"factors":{"consequence":20,"frequency":2,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":0},"reason":"decides liability; still a draft, nobody has checked it; no source checked","rank":37},{"uid":"us-ach:R03","rail":"us-ach","kind":"reason code","name":"No account or unable to locate account","status":"corroborated","score":51,"factors":{"consequence":20,"frequency":18,"draft":0,"evidence":8,"staleness":0,"conflict":0,"compliance":5,"unclear":0},"reason":"tells a reader not to retry; 5 graded practitioner questions rest on it; secondary sources only","rank":38},{"uid":"us-ach:R07","rail":"us-ach","kind":"reason code","name":"Authorization revoked by customer","status":"corroborated","score":51,"factors":{"consequence":20,"frequency":16,"draft":0,"evidence":8,"staleness":0,"conflict":0,"compliance":7,"unclear":0},"reason":"tells a reader not to retry; 4 graded practitioner questions rest on it; secondary sources only","rank":39},{"uid":"us-ach:R29","rail":"us-ach","kind":"reason code","name":"Corporate customer advises not authorized","status":"corroborated","score":51,"factors":{"consequence":20,"frequency":18,"draft":0,"evidence":8,"staleness":0,"conflict":0,"compliance":5,"unclear":0},"reason":"tells a reader not to retry; 4 graded practitioner questions rest on it; secondary sources only","rank":40},{"uid":"us-ach:R34","rail":"us-ach","kind":"reason code","name":"Limited participation DFI","status":"draft","score":50,"factors":{"consequence":12,"frequency":4,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":5,"unclear":3},"reason":"still a draft, nobody has checked it; tells a reader not to retry; no source checked","rank":41},{"uid":"us-ach:rule.return-what-a-processor-calls-a-late-return","rail":"us-ach","kind":"Rule","name":"What a processor calls a late return","status":"draft","score":50,"factors":{"consequence":20,"frequency":4,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":0,"unclear":0},"reason":"decides return; still a draft, nobody has checked it; no source checked","rank":42},{"uid":"google-pay:rule.pan-only-is-not-a-token","rail":"google-pay","kind":"Rule","name":"A card-on-file payment is not a tokenised payment, and the token rules do not reach it","status":"draft","score":49,"factors":{"consequence":20,"frequency":0,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":0},"reason":"decides liability; still a draft, nobody has checked it; no source checked","rank":43},{"uid":"mx-spei:rule.plazo-de-devolucion-no-acreditada","rail":"mx-spei","kind":"Rule","name":"Sixty seconds from the settlement advice, with six named exceptions in seconds and clock times","status":"draft","score":49,"factors":{"consequence":20,"frequency":0,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":0,"unclear":3},"reason":"decides return; still a draft, nobody has checked it; no source checked","rank":44},{"uid":"ph-instapay:messages","rail":"ph-instapay","kind":"rail fact","name":"What message standard does InstaPay use, and what must a payment carry?","status":"draft","score":49,"factors":{"consequence":12,"frequency":4,"draft":16,"evidence":14,"staleness":0,"conflict":0,"compliance":0,"unclear":3},"reason":"still a draft, nobody has checked it; no source checked; describes the mechanics","rank":45},{"uid":"ph-pesonet:messages","rail":"ph-pesonet","kind":"rail fact","name":"What message standard does PESONet use, and what must a payment carry?","status":"draft","score":49,"factors":{"consequence":12,"frequency":4,"draft":16,"evidence":14,"staleness":0,"conflict":0,"compliance":0,"unclear":3},"reason":"still a draft, nobody has checked it; no source checked; describes the mechanics","rank":46},{"uid":"rtp-return-request:NOAS","rail":"rtp-return-request","kind":"reason code","name":"No answer from customer","status":"draft","score":49,"factors":{"consequence":16,"frequency":4,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":0},"reason":"tells a reader when a retry is allowed; still a draft, nobody has checked it; no source checked","rank":47},{"uid":"rtp-return-request:UAPA","rail":"rtp-return-request","kind":"reason code","name":"Fraudulently induced payment","status":"draft","score":49,"factors":{"consequence":16,"frequency":2,"draft":16,"evidence":10,"staleness":0,"conflict":0,"compliance":3,"unclear":2},"reason":"tells a reader 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