What is a valid reason for permitting 'requests for returns' in push-to-card networks?

In push-to-card networks, permitting 'requests for returns' is primarily justified by the situation of insufficient funds. This reason is valid as it addresses scenarios where a recipient may have expected funds to be available but found their card account lacking sufficient balance to support transactions. Allowing a return in this context helps to protect the integrity of transaction processing and ensures that the parties involved can resolve any discrepancies that arise due to the unavailability of funds.

This mechanism helps mitigate the risks associated with failed transactions and reinforces the reliability of the payment system. It essentially serves to maintain customer trust and reduce the potential impact of declined payments on both consumers and merchants. By facilitating returns for insufficient funds, push-to-card networks can better handle the nuances of cash flow for their users.