An SRT delay does not always qualify for compensation. SR states that delays of at least 20 minutes caused by the operator, excluding natural disasters, are compensated at 12.5% for 20–39 minutes, 25% for 40–59 minutes, and 50% for one hour or longer. The special-class surcharge is excluded, and tickets for which the delay was accepted in advance do not qualify. Credit-card payments may be adjusted or canceled after the delay, with processing time varying by issuer. For cash payments, SR directs passengers to present the ticket at an SRT station within a year or request a bank transfer online. A canceled service has separate refund rules.