What is a chargeback?
Chargebacks arise when a SEPA direct debit procedure cannot be carried out because Account not sufficiently funded is. They are shown as payouts in the account statement. The account is debited and the money is then transferred in the form of Chargeback returned to the customer's account. In doing so, fall Charges up to 5 euros on. However, these are exempt from sales tax.
You only have to pay the fees if the reason for the chargeback is that your account is not sufficiently funded. You should be careful not to default on such direct debit authorizations, even if Chargebacks not be reported to SCHUFA. Don't you just get one in the episode Payment reminder, but becomes a Payment procedure Initiated, is the SCHUFA informs. Auch Reminder fees can be charged to you. However, reminder fees may only amount to a few euros in order to cover the additional costs.
How does a chargeback occur?
Other reasons besides insufficient account funds may be that the account details are incorrect because you have a Wrong account entered or a number twister built in. It may also be that you have forgotten the current account number to specify.
You can always object to a direct debit within eight weeks, an unapproved direct debit of up to 13 months. In that case, you don't have to pay the fees either. You usually object to the direct debit in your online banking. If that doesn't work or you don't do online banking, contact your bank by telephone or via the contact form, for example.
Die SEPA direct debit is one of the most common payment methodsbecause it's super easy and simple. The creditor collects a certain amount of money from your account as a debtor at a specific point in time. However, you should keep an eye on the date of the direct debit and ensure that you have sufficient coverage to avoid chargebacks.
