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