You can request a refund of a SEPA Core Direct Debit within 8 weeks without giving any particular justification. For all unauthorized transactions, you have 13 months to dispute it.
What is a SEPA CoreDirect Debit?
All you have to do is to look on the mandate for the following words: "You are entitled to a refund from your bank under the terms and conditions of your agreement with your bank. A refund must be claimed within 8 weeks starting from the date on which your account was debited".
⚠️ However, you can’t dispute a SEPA B2B Direct Debit as indicated on the mandate.
How does it work?
You can ask a refund of a SEPA Core Direct Debit directly from your computer or your mobile application. This has to requested within 8 weeks once the direct debit has been processed.
From your desktop app go to the Business Account in your History tab to select the debit
Click on Request a refund in the transaction detail modal.
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From your mobile, you will need to click on the email announcing the upcoming direct debit
☝️ Good to know: you will be refunded within 24 hours on working days.
⚠️ It is not possible to cancel a refund request. Once the request has been made, you must contact the creditor to find a solution.
For unauthorized charges, this period is extended to 13 months from the date of the charge. However, after 8 weeks, you must contact us at support@qonto.com.