Reversal of payment rights

Payment Reversal Conditions for SEPA Direct Debit Transactions

This section details the conditions under which a reversal of payment is possible for SEPA Direct Debit transactions.

Payment Reversal Periods

CombinationActive Reversal of Payment PossiblePayment Reversal PeriodMOI PossibleMOI PeriodPending Period eMandate
SEPA Direct Debit B2C (Core) without eMandateYes56 daysYes13 monthsIrrelevant
SEPA Direct Debit B2C (Core) with eMandateYes56 daysNo-Consumer: up to 30 min.
Business: up to 1 week
SEPA Direct Debit B2B without eMandateNo, unless registered-No, unless registered-Irrelevant
SEPA Direct Debit B2B with eMandateNo-No-Business: up to 1 week

Additional Information

  • Approval and Offering: The mandate has to be approved by the issuer of the authorization and offered to the main bank. Otherwise, the B2B SEPA DD cannot be executed.
  • eMandate Execution: With an eMandate, a B2B SEPA DD can be executed directly without having to exchange a mandate (paper copy) with the bank.

Participating Banks for eMandates

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