- SEPA Direct Debit Core Scheme
- How do customers request a chargeback?
- Is there a time limit for customers to request a chargeback?
SEPA Direct Debit Core Scheme
The SEPA Direct Debit Core Scheme protects customers in Europe from payments that are collected in error.
The SEPA Core Direct Debit Scheme protects customers in three ways:
- Notifications - Customers must be notified in advance of each payment. GoCardless notify your customers by email three working days before an individual payment is collected or a subscription is set up.
- Chargebacks - Customers are entitled to a full and immediate refund for any payments they claim are collected in error.
- Control - Customers are able to:
- Instruct how to handle incoming collections by specific merchants specifically or by drawing up black lists (blocking SEPA Direct Debits from certain merchants) and white lists (allowing SEPA Direct Debits from certain merchants)
- Set maximum payment amounts and specify payment intervals
- Block all Direct Debit collections from their account
How do customers request a chargeback?
Customers can contact their bank and file an indemnity claim to charge back any Direct Debit payments they claim have been collected in error.
In the first 8 weeks customers can also chargeback a payment through their online banking, no questions asked.
The bank will then notify GoCardless of the chargeback.
As soon as we receive notification of the chargeback, an email is triggered to notify the merchant.
Is there a time limit for customers to request a chargeback?
Customers can chargeback payments up to 13 months after the payment was collected. In the first 8 weeks customers are able to request a chargeback with no questions asked.