Reversal of payment rights

Reversal of payment rights

Combination Active reversal of payment possible Payment reversal period Report Unjustified Direct Debit (MOI) possible Report Unjustified Direct Debit (MOI) period Pending period eMandate
SEPA Direct Debit B2C (Core) without eMandate Yes 56 days Yes 13 months Irrelevant
SEPA Direct Debit B2C (Core) with eMandate Yes 56 days No - Consumer: up to 30 min. Business: up to 1 week
SEPA Direct Debit B2B/without eMandate 1 No, unless registered - No, unless registered - Irrelevant
SEPA Direct Debit B2B with eMandate 2 No - No - Business: up to 1 week

1 The mandate has to be approved by the issuer of the authorisation and offered to the main bank. Otherwise, the B2B SEPA DD cannot be executed.

2 With an eMandate, a B2B SEPA DD can be executed directly without having to exchange a mandate (paper copy) with the bank.

Participating banks eMandates

Not all banks offer their customers eMandate support. Check the overview of participating banks eMandates in the Digital Direct Debit Authorisation overview.

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