SEPA Direct Debit

The Single Euro Payments Area (SEPA) Direct Debit is a standardized payment method for bank-to-bank transactions within the European Union.

Both one-off and recurring payments are supported by SEPA. Due to the risk of chargebacks, we do not recommend using SEPA for one-off payments or the sale of physical goods.

Payment type	Payment flow	Countries	Currencies	Recurring	Refunds	Partial refunds	Multiple partial refunds	Separate captures	Partial captures	Multiple partial captures	Chargebacks
Direct Debit	Direct	International	EUR

Chargebacks

If a shopper for some reason wants the funds from a payment returned, they can ask their bank for a refund. This is referred to as a chargeback.

For SEPA, the chargeback process gives significant consumer rights to the shopper. They have:

• Eight weeks to dispute a SEPA payment without providing a reason.
• Thirteen months to dispute an unauthorised or incorrect SEPA payment when they provide evidence to their bank.

A SEPA chargeback notification can indicate that:

• The shopper disputed the charge.
• There were insufficient funds in the shopper's bank account.
• The bank account was inactive.
• Direct debit is blocked on this bank account, either in general or for this creditor specifically.
• There was a technical error.

For guidelines when a dispute is raised, see SEPA chargebacks and SEPA Dispute reason codes.

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