SEPA Direct Debits may be rejected for different reasons:
If your balance is running low : top up your account
If the direct debit request has been sent less than 48 working hours before the debit date
If your Qonto account isn’t validated : upload your B2B mandate
If the B2B SEPA Direct Debit mandate is incorrect or hasn’t been correctly uploaded on Qonto : create a new B2B mandate
☝️ Good to know: everal attempts to collect the direct debit will be made up to two days after the initial rejection.
Example: Your direct debit is rejected on Monday morning. Several attempts will be made on Tuesday. The last attempt will take place on Wednesday at 7:00 AM.
Some tips to avoid rejection fees and unpleasant surprises
Keep an eye on your account by downloading Qonto iOS or Android App! By checking your balance daily you can say goodbye to bad surprises.
Also, make sure that the creditor information entered is correct and that you have successfully filed the SEPA Direct Debit mandate in your Qonto interface.
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If your direct debit has been declined, we advise you to contact the beneficiary to find a solution: initiate a transfer / represent a direct debit
If you think that all the information were correctly settled for your direct debit to be accepted, do not hesitate to contact us:
💬 We encourage you to contact us by chat by logging into your Qonto space, but you can call us as well on our hotline.