The records most worth a person verifying next, ranked by what turns on them and by what is thin about the evidence behind them.
The queue holds 939 Rules, 777 reason codes, 360 rail facts, 60 Exceptions, 41 LifecycleStates, 11 Mandates, 5 CodeSets, 1 Calendar. A record leaves it the moment its tier improves to verified, and superseded records and earlier meanings are not in it at all. Corroborated records stay: a corroboration is a check against a public source, and it is not a verification.
Verification is a human act, and it is the one thing in Orca no agent and no build may do. A build can rank; only a person can verify.
If the authority's text is paywalled, participant-only or behind a login, stop and record that instead: a record that cannot be verified today is a note for the rail brief, not a lower bar. A corroboration against another public source goes through scripts/corroborate.mjs and never through this page.
The first 60 of 2194, best first. Each row shows its rank, its uid, what it is, its score out of 100, and the few words that put it there. Every row of the queue, with every factor's score, is in verify.json.
1sepa-sct-inst:refundrail fact, draft67
Does anyone have a right to be refunded, and on what grounds?
decides refund; 3 graded practitioner questions rest on it; still a draft, nobody has checked it
operational consequence 20likely frequency 18draft status 16evidence strength 10compliance or consumer protection 3
2pix:consumer-lawrail fact, draft63
What protects an end user on Pix, and where does the rulebook stop?
decides consumer law; still a draft, nobody has checked it; 8 other records point at it
operational consequence 20likely frequency 10draft status 16evidence strength 10compliance or consumer protection 7
3sepa-sct:consumer-lawrail fact, draft63
What consumer law applies, and what does it give a consumer that the rules do not?
decides consumer law; still a draft, nobody has checked it; 7 other records point at it
operational consequence 20likely frequency 10draft status 16evidence strength 10compliance or consumer protection 7
4fednow:consumer-lawrail fact, draft62
What rights does a consumer have that the rulebook does not give?
decides consumer law; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 6draft status 16evidence strength 10compliance or consumer protection 7unclear deadline or retry guidance 3
5sa-sarie:refundrail fact, draft62
Does the payer have a right to get money back, and on what terms?
decides refund; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 4draft status 16evidence strength 14conflicting sources 5compliance or consumer protection 3
6uk-fps:recallrail fact, draft61
Can a payer get a Faster Payment recalled?
decides recall; still a draft, nobody has checked it; 2 graded practitioner questions rest on it
operational consequence 20likely frequency 12draft status 16evidence strength 10compliance or consumer protection 3
7my-duitnow:recallrail fact, draft60
Can the sender or the sending bank pull a payment back, and how?
decides recall; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 4draft status 16evidence strength 14compliance or consumer protection 3unclear deadline or retry guidance 3
8sepa-sdd-core:MS02reason code, draft60
Refusal by the Debtor
tells a reader not to retry; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 4draft status 16evidence strength 10conflicting sources 5compliance or consumer protection 3unclear deadline or retry guidance 2
9pix:recallrail fact, draft59
Can the payer's side pull a Pix back, and what does asking actually do?
decides recall; still a draft, nobody has checked it; 7 other records point at it
operational consequence 20likely frequency 10draft status 16evidence strength 10compliance or consumer protection 3
10sepa-sdd-core:consumer-lawrail fact, draft59
What consumer protection attaches to a Core direct debit, and where does it come from?
decides consumer law; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 6draft status 16evidence strength 10compliance or consumer protection 7
11sa-sarie:settlementrail fact, draft58
How and in what money do participants settle with each other?
sets a settlement rule; still a draft, nobody has checked it; no source checked
operational consequence 16likely frequency 4draft status 16evidence strength 14conflicting sources 5unclear deadline or retry guidance 3
12ca-acss:916reason code, draft57
Personal PAD not drawn as the agreement allows
tells a reader not to retry; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 6draft status 16evidence strength 10compliance or consumer protection 3unclear deadline or retry guidance 2
13ca-acss:919reason code, draft57
Business PAD not drawn as the agreement allows
tells a reader not to retry; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 6draft status 16evidence strength 10compliance or consumer protection 3unclear deadline or retry guidance 2
14sepa-sdd-b2b:consumer-lawrail fact, draft57
What consumer protection attaches to a B2B direct debit, and where does it come from?
decides consumer law; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 4draft status 16evidence strength 10compliance or consumer protection 7
15us-ach:rule.authorization-general-requirementsRule, corroborated56
Authorization: what every debit authorization must satisfy
decides consumer law; 4 graded practitioner questions rest on it; secondary sources only
operational consequence 20likely frequency 18evidence strength 8compliance or consumer protection 7unclear deadline or retry guidance 3
16ca-acss:915reason code, draft55
Payor says no debit agreement ever existed
tells a reader not to retry; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 6draft status 16evidence strength 10compliance or consumer protection 3
17ca-acss:918reason code, draft55
Personal PAD sent without the required notice to the payor
tells a reader not to retry; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 4draft status 16evidence strength 10compliance or consumer protection 3unclear deadline or retry guidance 2
18ca-acss:921reason code, draft55
Business PAD sent without the required notice to the payor
tells a reader not to retry; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 4draft status 16evidence strength 10compliance or consumer protection 3unclear deadline or retry guidance 2
19in-upi:rule.upi-autopay-modificationRule, draft55
UPI AutoPay: changing a live mandate's amount or payee
decides consumer law; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 2draft status 16evidence strength 10compliance or consumer protection 7
20nct-inst:consumer-lawrail fact, draft55
What consumer protections apply to an NCT Inst payment, and where do they come from?
decides consumer law; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 2draft status 16evidence strength 10compliance or consumer protection 7
21nct-inst:recallrail fact, draft55
Can the sender get an NCT Inst payment back, and who decides?
decides recall; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 6draft status 16evidence strength 10compliance or consumer protection 3
22sepa-sct:refundrail fact, draft55
Does anyone have a right to be refunded, and on what grounds?
decides refund; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 6draft status 16evidence strength 10compliance or consumer protection 3
23uk-fps:rule.credit-payment-recovery-is-not-a-reversalRule, draft55
Credit Payment Recovery is an attempt, not a right
still a draft, nobody has checked it; no source checked; decides recall
operational consequence 12likely frequency 10draft status 16evidence strength 14compliance or consumer protection 3
24us-ach:rule.reinitiation-after-funds-returnRule, draft55
Reinitiation after an insufficient or uncollected funds return
decides return; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 4draft status 16evidence strength 10conflicting sources 5
25pix:rule.automatico-three-refusal-families-and-who-raises-themRule, draft54
Pix Automatico: the three places a collection can be refused, and who refuses
3 graded practitioner questions rest on it; still a draft, nobody has checked it; describes the mechanics
operational consequence 12likely frequency 16draft status 16evidence strength 10
26sa-sarie:liabilityrail fact, draft54
Who bears the loss when a payment goes wrong?
still a draft, nobody has checked it; no source checked; decides liability
operational consequence 12likely frequency 4draft status 16evidence strength 14conflicting sources 5compliance or consumer protection 3
27us-ach:R11reason code, corroborated54
Entry not in accordance with the terms of the authorization
tells a reader not to retry; 5 graded practitioner questions rest on it; carries a consumer protection
operational consequence 20likely frequency 18evidence strength 4conflicting sources 5compliance or consumer protection 7
28ca-acss:917reason code, draft53
Personal PAD sent after the payor cancelled
tells a reader not to retry; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 4draft status 16evidence strength 10compliance or consumer protection 3
29ca-acss:920reason code, draft53
Business PAD sent after the payor cancelled
tells a reader not to retry; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 4draft status 16evidence strength 10compliance or consumer protection 3
30nct-inst:refundrail fact, draft53
Does anyone have a right to be refunded for an NCT Inst payment, and on what grounds?
decides refund; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 4draft status 16evidence strength 10compliance or consumer protection 3
31ph-instapay:limitsrail fact, draft53
What amount limits apply to InstaPay, and who sets them?
sets a limits rule; still a draft, nobody has checked it; no source checked
operational consequence 16likely frequency 4draft status 16evidence strength 14unclear deadline or retry guidance 3
32pix:rule.consumer-law-a-fee-rule-and-a-disclosure-ruleRule, draft53
A fee rule and a disclosure rule
decides consumer law; still a draft, nobody has checked it; no source checked
operational consequence 20draft status 16evidence strength 10compliance or consumer protection 7
33pix:rule.agendado-a-repeat-date-the-month-lacks-moves-to-the-1stRule, draft52
Pix Agendado: a repeating payment on the 29th, 30th or 31st
sets a settlement rule; still a draft, nobody has checked it; 2 graded practitioner questions rest on it
operational consequence 16likely frequency 10draft status 16evidence strength 10
34au-npp:liabilityrail fact, draft51
Who bears the loss on an NPP payment?
decides liability; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 2draft status 16evidence strength 10compliance or consumer protection 3
35google-pay:liabilityrail fact, draft51
Who bears the loss when a Google Pay payment goes wrong?
decides liability; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 2draft status 16evidence strength 10compliance or consumer protection 3
36nct-inst:finalityrail fact, draft51
When does an NCT Inst payment become final, and can it be reversed?
decides finality; still a draft, nobody has checked it; no source checked
operational consequence 16likely frequency 6draft status 16evidence strength 10unclear deadline or retry guidance 3
37nct-inst:liabilityrail fact, draft51
Who is liable when an NCT Inst payment goes wrong, and how much?
decides liability; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 2draft status 16evidence strength 10compliance or consumer protection 3
38us-ach:R03reason code, corroborated51
No account or unable to locate account
tells a reader not to retry; 5 graded practitioner questions rest on it; secondary sources only
operational consequence 20likely frequency 18evidence strength 8compliance or consumer protection 5
39us-ach:R07reason code, corroborated51
Authorization revoked by customer
tells a reader not to retry; 4 graded practitioner questions rest on it; secondary sources only
operational consequence 20likely frequency 16evidence strength 8compliance or consumer protection 7
40us-ach:R29reason code, corroborated51
Corporate customer advises not authorized
tells a reader not to retry; 4 graded practitioner questions rest on it; secondary sources only
operational consequence 20likely frequency 18evidence strength 8compliance or consumer protection 5
41us-ach:R34reason code, draft50
Limited participation DFI
still a draft, nobody has checked it; tells a reader not to retry; no source checked
operational consequence 12likely frequency 4draft status 16evidence strength 10compliance or consumer protection 5unclear deadline or retry guidance 3
42us-ach:rule.return-what-a-processor-calls-a-late-returnRule, draft50
What a processor calls a late return
decides return; still a draft, nobody has checked it; no source checked
operational consequence 20likely frequency 4draft status 16evidence strength 10
43google-pay:rule.pan-only-is-not-a-tokenRule, draft49
A card-on-file payment is not a tokenised payment, and the token rules do not reach it
decides liability; still a draft, nobody has checked it; no source checked
operational consequence 20draft status 16evidence strength 10compliance or consumer protection 3
44mx-spei:rule.plazo-de-devolucion-no-acreditadaRule, draft49
Sixty seconds from the settlement advice, with six named exceptions in seconds and clock times
decides return; still a draft, nobody has checked it; no source checked
operational consequence 20draft status 16evidence strength 10unclear deadline or retry guidance 3
45ph-instapay:messagesrail fact, draft49
What message standard does InstaPay use, and what must a payment carry?
still a draft, nobody has checked it; no source checked; describes the mechanics
operational consequence 12likely frequency 4draft status 16evidence strength 14unclear deadline or retry guidance 3
46ph-pesonet:messagesrail fact, draft49
What message standard does PESONet use, and what must a payment carry?
still a draft, nobody has checked it; no source checked; describes the mechanics
operational consequence 12likely frequency 4draft status 16evidence strength 14unclear deadline or retry guidance 3
47rtp-return-request:NOASreason code, draft49
No answer from customer
tells a reader when a retry is allowed; still a draft, nobody has checked it; no source checked
operational consequence 16likely frequency 4draft status 16evidence strength 10compliance or consumer protection 3
48rtp-return-request:UAPAreason code, draft49
Fraudulently induced payment
tells a reader when a retry is allowed; still a draft, nobody has checked it; no source checked
operational consequence 16likely frequency 2draft status 16evidence strength 10compliance or consumer protection 3unclear deadline or retry guidance 2
49uk-fps:rule.bank-error-recovery-for-payments-sent-in-bulk-by-mistakeRule, draft49
Bank Error Recovery covers a participant's own bulk mistake
still a draft, nobody has checked it; no source checked; decides recall
operational consequence 12likely frequency 4draft status 16evidence strength 14compliance or consumer protection 3
50us-ach:R02reason code, corroborated49
Account closed
tells a reader not to retry; 6 graded practitioner questions rest on it; secondary sources only
operational consequence 20likely frequency 16evidence strength 8compliance or consumer protection 5
51us-ach:R04reason code, corroborated49
Invalid account number structure
tells a reader not to retry; 4 graded practitioner questions rest on it; secondary sources only
operational consequence 20likely frequency 16evidence strength 8compliance or consumer protection 5
52us-ach:R10reason code, corroborated49
Customer advises originator not known or not authorized
tells a reader not to retry; 10 graded practitioner questions rest on it; carries a consumer protection
operational consequence 20likely frequency 18evidence strength 4compliance or consumer protection 7
53us-ach:R20reason code, corroborated49
Non-transaction account
tells a reader not to retry; 3 graded practitioner questions rest on it; secondary sources only
operational consequence 20likely frequency 16evidence strength 8compliance or consumer protection 5
54nct-inst:settlementrail fact, draft48
How does NCT Inst settlement work, when does it happen, and in what money?
sets a settlement rule; still a draft, nobody has checked it; no source checked
operational consequence 16likely frequency 6draft status 16evidence strength 10
55paypal-dispute:PROBLEM_WITH_REMITTANCEreason code, draft48
Problem with remittance
tells a reader when a retry is allowed; still a draft, nobody has checked it; no source checked
operational consequence 16likely frequency 4draft status 16evidence strength 10unclear deadline or retry guidance 2
56uk-fps:decision-pointsrail fact, draft48
Where does a person or a bank actually decide something?
sets a decision points rule; still a draft, nobody has checked it; no source checked
operational consequence 16likely frequency 6draft status 16evidence strength 10
57uk-fps:limitsrail fact, draft48
How much can one Faster Payment carry?
sets a limits rule; still a draft, nobody has checked it; no source checked
operational consequence 16likely frequency 6draft status 16evidence strength 10
58us-ach:rule.hours-a-day-off-the-holiday-list-is-still-a-banking-dayRule, draft48
A day off the holiday list is still a banking day
sets a hours rule; still a draft, nobody has checked it; no source checked
operational consequence 16likely frequency 6draft status 16evidence strength 10
59ch-sic-ip-reject:TM01reason code, draft47
SIC IP cancelled: hard time-out
still a draft, nobody has checked it; tells a reader when a retry is allowed; no source checked
operational consequence 12likely frequency 4draft status 16evidence strength 10unclear deadline or retry guidance 5
60uk-fps:exc.credit-payment-recoveryException, draft47
Credit Payment Recovery (CPR)
still a draft, nobody has checked it; decides whether money moves; no source checked
operational consequence 12likely frequency 6draft status 16evidence strength 10unclear deadline or retry guidance 3
Eight factors, summing to 100. Every one is read from fields the corpus holds, and the same code that ranked the queue writes this list, so the weights below are the weights used.
Consequence and compliance overlap on purpose: a record that decides a consumer's rights is weighted twice, once for what turns on it and once for whose money it is. Ties are broken by rail then uid, so two builds of one corpus publish the same order.
These would improve the queue and the corpus cannot support them. None of them is approximated by something else here.
How much of each rail is waiting, and where its best candidate sits
us-ach371 records queued, top rank 15, best score 56
pix186 records queued, top rank 2, best score 63
au-npp131 records queued, top rank 34, best score 51
uk-fps94 records queued, top rank 6, best score 61
in-upi80 records queued, top rank 19, best score 55
gcc-afaq-return77 records queued, top rank 196, best score 35
mx-spei75 records queued, top rank 44, best score 49
blik68 records queued, top rank 279, best score 32
rtp-reject67 records queued, top rank 188, best score 36
bancontact61 records queued, top rank 75, best score 45
eps61 records queued, top rank 283, best score 32
boleto59 records queued, top rank 153, best score 38
nct-inst58 records queued, top rank 20, best score 55
sepa-sct55 records queued, top rank 3, best score 63
sepa-sct-inst53 records queued, top rank 1, best score 67
apple-pay46 records queued, top rank 124, best score 40
pix-reject45 records queued, top rank 197, best score 35
google-pay44 records queued, top rank 35, best score 51
visa-decline42 records queued, top rank 555, best score 27
ch-sps-status41 records queued, top rank 507, best score 27
mastercard-decline38 records queued, top rank 740, best score 25
sepa-sdd-b2b36 records queued, top rank 14, best score 57
sepa-sdd-core36 records queued, top rank 8, best score 60
au-npp-reject33 records queued, top rank 1164, best score 20
ca-acss33 records queued, top rank 12, best score 57
gcc-afaq-reject27 records queued, top rank 257, best score 33
visa-dispute23 records queued, top rank 557, best score 27
ch-sic-ip-reject17 records queued, top rank 59, best score 47
eps-error14 records queued, top rank 183, best score 36
ch-sic12 records queued, top rank 96, best score 43
ch-sic-ip12 records queued, top rank 135, best score 39
fednow12 records queued, top rank 4, best score 62
gcc-afaq12 records queued, top rank 184, best score 36
mastercard12 records queued, top rank 226, best score 34
my-duitnow12 records queued, top rank 7, best score 60
paypal12 records queued, top rank 186, best score 36
ph-instapay12 records queued, top rank 31, best score 53
ph-pesonet12 records queued, top rank 46, best score 49
rtp12 records queued, top rank 187, best score 36
sa-sarie12 records queued, top rank 5, best score 62
uk-fps-reject12 records queued, top rank 90, best score 44
visa12 records queued, top rank 389, best score 30
eps-refund-error11 records queued, top rank 1733, best score 14
eps-status-reason11 records queued, top rank 1390, best score 18
uk-fps-return11 records queued, top rank 131, best score 40
paypal-dispute10 records queued, top rank 55, best score 48
ch-sic-ip-return-request-rejection7 records queued, top rank 796, best score 24
rtp-return-request7 records queued, top rank 47, best score 49
ch-sic-ip-return-request6 records queued, top rank 794, best score 24
pix-return4 records queued, top rank 293, best score 32
38 records in the queue are named by the source-conflict register, and 1012 are named by a graded competency question. Staleness is measured against snapshot 2026-09-20 with the same 24 month rule the corpus applies everywhere else.