The SEPA Direct Debit product includes a number of key moments. In order to provide better insight in the course of a transaction, we explain in this article what the timeline looks like, and at which moments something happens or should happen.

Payments submitted before ±09:00 are carried out the next working day. Unfortunately, this is not always guaranteed but is true in most cases. When you create a direct debit payment after ±09:00, it will be debited 2 working days later.

14 days before the direct debit Let your customer know what amount you are going to direct debit and when. You can do this via email, text message, letter, etc.
1 working day before the direct debit Create the payment. Payments submitted before ±09:00 are processed the same day.
Day of the direct debit
5 working days after the direct debit From the day of the direct debit up until now, a transaction can fail.
10 working days after the direct debit Transaction is paid out today (standard).
8 weeks after the direct debit From the day of the direct debit up until now, a transaction can be still be reversed by the account holder.
13 months after the direct debit The last moment at which an Unauthorized Direct Debit Report can be filed.
36 months after the direct debit An authorization that has not been used for 36 months can no longer be used.