{"id":3114,"date":"2025-10-14T20:41:49","date_gmt":"2025-10-14T18:41:49","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=3114"},"modified":"2026-02-26T10:34:44","modified_gmt":"2026-02-26T09:34:44","slug":"direct-debit","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/direct-debit\/","title":{"rendered":"Direct debit at a glance"},"content":{"rendered":"\n\t<div data-name=\"acf\/hero\" class=\"alignfull mt-0\">\n\t\t<div data-component=\"hero-image-square\" class=\"bg-ocean-50\">\n\t<div class=\"flex flex-col items-center py-8 md:py-12 gap-8 md:gap-16 lg:gap-24 ll-container md:flex-row\">\n\t\t<div class=\"w-full space-y-4 \">\n\t\t\t<h1 class=\"text-xl sm:text-2xl font-normal lg:text-3xl\">Direct debit at a glance<\/h1>\n\n\t\t\t\t\t\t\t<div class=\"space-y-10\">\n\t\t\t\t\t<div class=\"text-lg\">\n\t\t\t\t\t\t<p>Pictures make it easier to understand. These illustrations show how European direct debits work, including when a direct debit fails or is reversed by the consumer.<br \/>\n<br \/><em>The infographics are only available in Dutch.<\/em><\/p>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"relative -translate-x-[5%] aspect-552\/480 w-[80%] max-w-[306px] md:max-w-[266px] lg:max-w-[294px]\">\n\t\t\t\t<div class=\"relative w-full h-full overflow-hidden image:absolute image:h-full image:w-full image:object-cover image:mask-hexagon\">\n\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Dames-hand-die-verwarming-aanpast_2212211609-1024x683.jpg\" class=\"attachment-large size-large\" alt=\"\" loading=\"eager\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Dames-hand-die-verwarming-aanpast_2212211609-1024x683.jpg 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Dames-hand-die-verwarming-aanpast_2212211609-300x200.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Dames-hand-die-verwarming-aanpast_2212211609-768x512.jpg 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Dames-hand-die-verwarming-aanpast_2212211609-1536x1024.jpg 1536w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Dames-hand-die-verwarming-aanpast_2212211609-2048x1365.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\n\t\t\t\t<\/div>\n\t\t\t\t<span class=\"absolute right-0 top-0 w-auto h-full translate-x-[20%] svg:h-full svg:w-auto\" aria-hidden=\"true\">\n\t\t\t\t\t<svg aria-hidden=\"true\" width=\"263\" height=\"480\" viewBox=\"0 0 263 480\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path opacity=\"0.8\" d=\"M108.671 0.337891C118.22 0.337891 130.762 7.5647 135.698 15.7659L259.419 224.775C264.194 232.895 264.194 247.105 259.419 255.225L135.698 464.234C130.843 472.435 118.22 479.662 108.671 479.662H0L141.928 240.122L0.404557 0.337891H108.59H108.671Z\" fill=\"url(#paint0_linear_6455_12637)\"\/>\n<defs>\n<linearGradient id=\"paint0_linear_6455_12637\" x1=\"57.5093\" y1=\"0.337898\" x2=\"361.898\" y2=\"138.726\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#CFFDC0\"\/>\n<stop offset=\"1\" stop-color=\"#6FB6E3\"\/>\n<\/linearGradient>\n<\/defs>\n<\/svg>\n\n\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Complete overview of standard direct debits<\/h2>\n\n\n\n<p>This illustration shows the entire process of a successful standard direct debit, from the authorization and initial notification by the collector to the notification and debit by the consumer&#8217;s bank.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69df6b89ed0db&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"69df6b89ed0db\" class=\"wp-block-image size-large wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"724\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-1024x724.png\" alt=\"\" class=\"wp-image-3553\" style=\"box-shadow:var(--wp--preset--shadow--natural)\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-1024x724.png 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-300x212.png 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-768x543.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-1536x1086.png 1536w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-2048x1448.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n\t<div data-name=\"acf\/downloads\" >\n\t\t<div class=\"space-y-4\">\n\t\t\t\n\t\t\t<ul class=\"space-y-2\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3557\/?tmstv=1776249737\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tComplete overview of standard SEPA direct debit (in Dutch)\n\t\t\t<span>[pdf, 7.84 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2019-10-31\">31 October 2019<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-direct-debit-failed-or-reversed-by-consumer-consequences-for-the-creditor\">Direct debit failed or reversed by consumer: consequences for the creditor<\/h2>\n\n\n\n<p>The illustration shows what happens when a direct debit fails or is reversed by the consumer: from lost revenue and additional administrative tasks to possible damage to the creditor&#8217;s reputation. Good communication and offering alternative payment methods help creditors to limit these risks.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69df6b89f07e0&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"69df6b89f07e0\" class=\"wp-block-image size-large wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"1024\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-mislukt-of-consument-draait-terug-724x1024.png\" alt=\"\" class=\"wp-image-3554\" style=\"box-shadow:var(--wp--preset--shadow--natural)\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-mislukt-of-consument-draait-terug-724x1024.png 724w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-mislukt-of-consument-draait-terug-212x300.png 212w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-mislukt-of-consument-draait-terug-768x1086.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-mislukt-of-consument-draait-terug-1086x1536.png 1086w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-mislukt-of-consument-draait-terug-1448x2048.png 1448w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-mislukt-of-consument-draait-terug.png 1654w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n\t<div data-name=\"acf\/downloads\" >\n\t\t<div class=\"space-y-4\">\n\t\t\t\n\t\t\t<ul class=\"space-y-2\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3560\/?tmstv=1776249737\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tSEPA Direct Debit failed or refunded by consumer: consequences for the creditor (in Dutch)\n\t\t\t<span>[pdf, 9.54 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2019-10-31\">31 October 2019<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-direct-debit-failed-causes-on-the-consumer-side\">Direct debit failed: causes on the consumer side<\/h2>\n\n\n\n<p>This illustration shows the most common causes of a failed direct debit on the part of the consumer and their bank, such as insufficient funds, a pre-authorized refusal, or a block. This gives both consumers and creditors insight into why a direct debit sometimes fails and what steps can help prevent this.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69df6b89f225a&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"69df6b89f225a\" class=\"wp-block-image size-large wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"1024\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-mislukt-oorzaak-bij-consument-724x1024.png\" alt=\"\" class=\"wp-image-3555\" style=\"box-shadow:var(--wp--preset--shadow--natural)\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-mislukt-oorzaak-bij-consument-724x1024.png 724w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-mislukt-oorzaak-bij-consument-212x300.png 212w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-mislukt-oorzaak-bij-consument-768x1086.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-mislukt-oorzaak-bij-consument-1086x1536.png 1086w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-mislukt-oorzaak-bij-consument-1448x2048.png 1448w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-mislukt-oorzaak-bij-consument.png 1654w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n\t<div data-name=\"acf\/downloads\" >\n\t\t<div class=\"space-y-4\">\n\t\t\t\n\t\t\t<ul class=\"space-y-2\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3563\/?tmstv=1776249737\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tSEPA Direct Debit failed: causes on the consumer side (in Dutch)\n\t\t\t<span>[pdf, 6.80 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2019-10-31\">31 October 2019<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-direct-debit-reversed-by-consumer-reversed\">Direct debit reversed by consumer (reversed)<\/h2>\n\n\n\n<p>Consumers have the right to unconditionally reverse (reverse) a direct debit afterwards, no later than 56 days after the debit. This illustration shows how this works on the part of the consumer and their bank.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69df6b89f3cc1&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"69df6b89f3cc1\" class=\"wp-block-image size-large wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"1024\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-wordt-teruggedraaid-achteraf-724x1024.png\" alt=\"\" class=\"wp-image-3556\" style=\"box-shadow:var(--wp--preset--shadow--natural)\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-wordt-teruggedraaid-achteraf-724x1024.png 724w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-wordt-teruggedraaid-achteraf-212x300.png 212w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-wordt-teruggedraaid-achteraf-768x1086.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-wordt-teruggedraaid-achteraf-1086x1536.png 1086w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-wordt-teruggedraaid-achteraf-1448x2048.png 1448w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Infographic-automatische-incasso-wordt-teruggedraaid-achteraf.png 1654w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"Enlarge\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n\t<div data-name=\"acf\/downloads\" >\n\t\t<div class=\"space-y-4\">\n\t\t\t\n\t\t\t<ul class=\"space-y-2\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t<div data-component=\"teaser-download\" class=\"relative flex flex-col @md:flex-row @md:items-center w-full gap-2 @md:gap-6 p-6 md:p-8 bg-ocean-50 hocus:bg-ocean-100 transition-colors @md:text-md\">\n\t<div>\n\t\t<span class=\"icon-inline svg:h-6 svg:w-auto @md:svg:h-auto\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M228,144v64a12,12,0,0,1-12,12H40a12,12,0,0,1-12-12V144a12,12,0,0,1,24,0v52H204V144a12,12,0,0,1,24,0Zm-108.49,8.49a12,12,0,0,0,17,0l40-40a12,12,0,0,0-17-17L140,115V32a12,12,0,0,0-24,0v83L96.49,95.51a12,12,0,0,0-17,17Z\"><\/path><\/svg><\/span>\n\t<\/div>\n\t<div class=\"flex flex-col\">\n\t\t<span class=\"sr-only\">Download:<\/span>\n\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/download\/3566\/?tmstv=1776249738\" class=\"underline-fade-out absolute-link break-words font-bold text-current\">\n\t\t\tSEPA Direct Debit refunded by consumer, afterwards (in Dutch)\n\t\t\t<span>[pdf, 6.43 MB]<\/span>\n\t\t<\/a>\n\t\t\t\t\t<span class=\"sr-only\">Published on:<\/span>\n\t\t\t<time class=\"\" datetime=\"2019-10-31\">31 October 2019<\/time>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Complete overview of standard direct debits This illustration shows the entire process of a successful standard direct debit, from the authorization and initial notification by the collector to the notification and debit by the consumer&#8217;s bank. Direct debit failed or reversed by consumer: consequences for the creditor The illustration shows what happens when a direct [&hellip;]<\/p>\n","protected":false},"featured_media":3442,"parent":3108,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[30],"class_list":["post-3114","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-account-to-account-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Direct debit at a glance - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Direct debit at a glance: overview of the process, failed payments, reversals and consumer rights within 56 days.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/direct-debit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Direct debit at a glance\" \/>\n<meta property=\"og:description\" content=\"Direct debit at a glance: overview of the process, failed payments, reversals and consumer rights within 56 days.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/direct-debit\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-26T09:34:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Dames-hand-die-verwarming-aanpast_2212211609-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/direct-debit\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/direct-debit\/\",\"name\":\"Direct debit at a glance - 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