SEPA Direct Debit customers are protected from payments taken in error.
\nIn the case of any incorrect or fraudulent payments, the payer is entitled to\na full and immediate refund from their bank. Unlike the UK Direct Debit\nGuarantee, however, the protections offered by SEPA Direct Debit are time\nlimited.
\nThis guide will explain the protections your customers receive, your\nobligations and how GoCardless can help you to manage any claims.
\nThe SEPA Core Direct Debit Scheme protects customers in three ways:
\nSee our guide to taking payments for more details.
\nfor authorised and unauthorised Direct Debit collections. See the refunds\nsection (below) for further details.
\nThe SEPA B2B Scheme is only available to businesses and therefore provides\nsignificantly weaker protections:
\nSee our guide to taking payments for more details.\n2. Refunds – customers are (subject to time limits) only entitled to\nrefunds for unauthorised Direct Debit collections. See Refunds (below) for\nfurther details.\n3. Validation by the customer’s bank - the payer’s bank must check that\nany mandate has been duly issued and authorised by the payer and that the\nmandate related data received with each collection corresponds with the\ninformation contained in the original mandate before debiting the payer’s\naccount. The payer’s bank will also need to comply with any further\nverification instructions provided by the payer. This is because there is no\nright to a refund.
\nEach of the above protections are enforced by the banks and so form an\nintrinsic part of the SEPA Direct Debit scheme. Refunds are processed by the\npayer's bank without prior discussion with the merchant.
\n####No-questions-asked refunds (Core scheme customers only)
\nRefunds which are requested within eight weeks of the SEPA Direct Debit being\ndebited will be provided by a payer’s bank on a no-questions-asked basis.
\nIf a refund is requested the customer's bank will immediately credit the\ncustomer with a full refund. They will then notify the merchant of the\nchargeback via our dashboard or API with a reason code (see our guide to receiving\nmessages from the banks). The amount refunded to the customer will be\nautomatically reclaimed from the merchant.
\n####Refunds of unauthorised transactions (B2B and Core scheme customers (if not within eight weeks))
\nIf the request for a refund concerns an unauthorised transaction (and, if\nunder the Core Scheme, is not within eight weeks of the payment), a customer\nmust present its claim and any supporting evidence to their bank within 13\nmonths of the debit date.
\nA SEPA Direct Debit is deemed to be an unauthorised transaction if:
\nIn practice, the customer's bank will always accept the word of the payer, and\nimmediately credit them with a full refund. They will then notify the merchant\nof the chargeback via a message with a reason code (see our guide to receiving\nmessages from the banks). The amount refunded to the customer will be\nreclaimed from the merchant automatically.
\n####Dispute resolution
\nYou may not agree that a chargeback claim should be upheld. If so you\nmay have to contact the payer to handle the claim outside of the scheme. A\nchargeback claim under the SEPA Direct Debit scheme does not impact any\ncontractual agreements between a merchant and their customer.
\n####SEPA Customer Protections in action at GoCardless
\nThese protections apply universally; however, GoCardless will help you to\nmanage any chargeback claims by:
\nTo find out more about collecting SEPA Direct Debits or to register your interest with GoCardless, check out our GoCardless Europe page.
","frontmatter":{"embeds":null}}},"authors":[{"name":"Rob Keating","slug":"rob-keating","description":{"text":"Rob's mission is to educate businesses on the current payments landscape and the range of options that can be implemented to optimize business payment processes. As a former small business owner, Rob understands the issues that continually complicate payment collection and creates content to help businesses navigate the available solutions to help solve these problems."},"linkedinURL":"https://www.linkedin.com/in/rpkeating/","expertise":null,"photo":{"gatsbyImageData":{"images":{"sources":[{"srcSet":"https://images.ctfassets.net/40w0m41bmydz/2VzOLwo8dGGqB14EQ6s2QL/7afb405e3af6a2a236dc33a3a9079b1f/rob-keating-profile.jpg?w=11&h=11&q=50&fm=webp 11w,\nhttps://images.ctfassets.net/40w0m41bmydz/2VzOLwo8dGGqB14EQ6s2QL/7afb405e3af6a2a236dc33a3a9079b1f/rob-keating-profile.jpg?w=21&h=21&q=50&fm=webp 21w,\nhttps://images.ctfassets.net/40w0m41bmydz/2VzOLwo8dGGqB14EQ6s2QL/7afb405e3af6a2a236dc33a3a9079b1f/rob-keating-profile.jpg?w=42&h=42&q=50&fm=webp 42w,\nhttps://images.ctfassets.net/40w0m41bmydz/2VzOLwo8dGGqB14EQ6s2QL/7afb405e3af6a2a236dc33a3a9079b1f/rob-keating-profile.jpg?w=84&h=84&q=50&fm=webp 84w","sizes":"(min-width: 42px) 42px, 100vw","type":"image/webp"}]},"layout":"constrained","width":42,"height":42,"placeholder":{"fallback":"data:image/webp;base64,UklGRq4AAABXRUJQVlA4IKIAAADQBACdASoUABQAPuliqU4pJaOiKA1RIB0JagC06A8naUDxDMcsDPmUHTvnjnFU4AD9m2OcrlC/kSPLx5VpQSJ9wuEAHIvaM2q2s8Akp1yJretm8IPl55wPkEimyv6tuAWrggOMNqfnJ9tUsg+tIYjZH2cYPU8FicNORN0jmV+OAGvOcTS4iNEQ60XbFP8OM0/VrgjfXgtUnW0R3bMZSAlFQAA="}}}}],"updatedAt":"2023-04-12T08:19:31.750Z","reviewedBy":[{"name":"Laura Williams","slug":"laura-williams","description":{"text":""},"linkedinURL":"https://www.linkedin.com/in/laura-williams-55353366/","expertise":null,"photo":null}],"valuePropPopup":null,"display90dPromo":null},"outline":{"id":"2b1b6de6-79b8-5ab5-9a40-f9c7945d6d86","locale":"en-US","contents":[{"__typename":"ContentfulMultiPageGuideSection","id":"6915774a-f721-5bd7-a5e8-104e59b228f8","locale":"en-US","title":"What is SEPA Direct Debit?","pages":[{"localized":{"locale":"en-US","id":"4b441857-fe04-5d70-a304-28050cf85425","slug":"introduction","title":"What is SEPA Direct Debit?","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}},{"localized":{"locale":"en-US","id":"4f9e41fb-8a63-5d3c-b0b4-3092694e1d19","slug":"countries-sepa-zone","title":"The SEPA Zone: Which countries are a part of SEPA?","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}},{"localized":{"locale":"en-US","id":"90a3e5f5-bbf5-58d0-918b-7b584c92ef47","slug":"use-cases","title":"SEPA use cases","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}}]},{"__typename":"ContentfulMultiPageGuideSection","id":"008accb1-b46a-58f8-b2ec-68a6e381257f","locale":"en-US","title":"Getting access to SEPA Direct Debit","pages":[{"localized":{"locale":"en-US","id":"f18b9dfc-2883-5959-8f64-6d62f3d8ecaa","slug":"access","title":"How do you get access to SEPA Direct Debit?","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}},{"localized":{"locale":"en-US","id":"4a29bc0d-d3cd-53c8-8836-68214938adc8","slug":"creditor-identifiers","title":"What is a Creditor Identifier?","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}},{"localized":{"locale":"en-US","id":"287ddb26-61bc-5a52-b680-4baf35fbd831","slug":"getting-ready-for-sepa","title":"How to get ready for SEPA","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}},{"localized":{"locale":"en-US","id":"7162292f-fcea-5645-aca1-6ba2680e8ef9","slug":"dd-checklist","title":"SEPA Direct Debit checklist","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}}]},{"__typename":"ContentfulMultiPageGuideSection","id":"a84688f5-c949-5834-b46b-ad0b63aaa219","locale":"en-US","title":"SEPA Mandates","pages":[{"localized":{"locale":"en-US","id":"8553e572-76ee-5e8c-8874-08f6ec9f80b5","slug":"mandates","title":"SEPA Direct Debit mandates","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}},{"localized":{"locale":"en-US","id":"1eaf5598-561a-5757-9ef9-71a9a2c0b944","slug":"mandate-contents","title":"Mandatory mandate contents","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}},{"localized":{"locale":"en-US","id":"8c316c6b-b137-50dc-81c1-c62165d1bd42","slug":"paperless-mandates","title":"What are the advantages of paperless mandates for SEPA Direct Debit?","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}},{"localized":{"locale":"en-US","id":"7141475d-49df-559c-8668-364f0a7956b1","slug":"e-mandates","title":"What are the advantages of e-mandates?","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}},{"localized":{"locale":"en-US","id":"18580c56-e718-54d3-a8af-43ff17e3ba1c","slug":"managing-mandates","title":"Managing your SEPA Mandates","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}},{"localized":{"locale":"en-US","id":"af575a87-4d2c-53cd-9920-3a58d3ee31ac","slug":"transferring-mandates","title":"How do you transfer mandates to another provider?","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}}]},{"__typename":"ContentfulMultiPageGuideSection","id":"9463f765-05a0-5550-a6eb-8db6a1322029","locale":"en-US","title":"How does the SEPA Direct Debit scheme work?","pages":[{"localized":{"locale":"en-US","id":"65a0db39-e214-557a-9f38-1a164477edb9","slug":"taking-payments","title":"How do you take payments with SEPA Direct Debit?","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}},{"localized":{"locale":"en-US","id":"eb32627b-fd7d-5a61-b5ea-29ca0a708c15","slug":"protection","title":"SEPA Direct Debit customer protection","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}},{"localized":{"locale":"en-US","id":"7e9c7a02-3e49-55c5-92db-7ea8cab3127a","slug":"timings","title":"How long do SEPA Direct Debit payments take?","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}},{"localized":{"locale":"en-US","id":"818d22b7-500a-58ec-9887-8acc853884e7","slug":"submitting-sepa-messages","title":"How do you submit SEPA Direct Debit mandates and payment requests?","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}},{"localized":{"locale":"en-US","id":"e9dd75b4-2215-50ab-b721-fcf229c05008","slug":"receiving-sepa-dd-messages","title":"SEPA Direct Debit failures, chargebacks, and notifications","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}}]},{"__typename":"ContentfulMultiPageGuideSection","id":"52a7f634-fa87-5d86-83b4-d744500946e2","locale":"en-US","title":"SEPA compliance","pages":[{"localized":{"locale":"en-US","id":"f41ec651-998d-5b5c-9464-5731366180b0","slug":"payment-pages","title":"Online payment pages","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}},{"localized":{"locale":"en-US","id":"0943b889-c257-5635-984f-da9705ac3af1","slug":"pre-notification","title":"Sending pre-notifications","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}}]},{"__typename":"ContentfulMultiPageGuidePage","localized":{"locale":"en-US","id":"5c9664fb-7a6d-53b0-ba0a-8652b6775347","slug":"glossary","title":"Glossary of SEPA Direct Debit terms","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}}],"fields":{"firstPage":{"localized":{"locale":"en-US","id":"4b441857-fe04-5d70-a304-28050cf85425","slug":"introduction","title":"What is SEPA Direct Debit?","series":{"id":"4c9d2ac5-5f91-5c50-abeb-fff9c6940b11","slug":"sepa","title":"SEPA"}}}}},"latestPublications":{"nodes":[{"id":"eb469e32-de55-5d0d-ab45-0079820d5198","locale":"en-US","tags":[{"title":"Press Releases","slug":"press-release","locale":"en-US"}],"localized":{"__typename":"ContentfulArticleLocalized","locale":"en-US","id":"063b928d-114e-51c2-ba0a-8fc8def13da4","slug":"freeagent-introduces-gocardless-open-banking-payments","title":"FreeAgent introduces GoCardless open banking payments and automatic payment retries ","subtitle":null,"teaser":null,"kind":{"uid":"blog-post"},"fields":{"richTextReadingTime":{"minutes":2.3966666666666665}},"markdownBody":null,"hero":null,"coverImage":{"title":"GoCardless | FreeAgent","gatsbyImageData":{"images":{"sources":[{"srcSet":"https://images.ctfassets.net/40w0m41bmydz/3KghNPuDUoxuS7Fz3xcPJL/deeba2fea157d35ef59584cb21840d47/GoCardless_x_FreeAgent.png?w=170&h=96&q=50&fm=webp 170w,\nhttps://images.ctfassets.net/40w0m41bmydz/3KghNPuDUoxuS7Fz3xcPJL/deeba2fea157d35ef59584cb21840d47/GoCardless_x_FreeAgent.png?w=340&h=193&q=50&fm=webp 340w,\nhttps://images.ctfassets.net/40w0m41bmydz/3KghNPuDUoxuS7Fz3xcPJL/deeba2fea157d35ef59584cb21840d47/GoCardless_x_FreeAgent.png?w=680&h=385&q=50&fm=webp 680w,\nhttps://images.ctfassets.net/40w0m41bmydz/3KghNPuDUoxuS7Fz3xcPJL/deeba2fea157d35ef59584cb21840d47/GoCardless_x_FreeAgent.png?w=1360&h=770&q=50&fm=webp 1360w","sizes":"(min-width: 680px) 680px, 100vw","type":"image/webp"}],"fallback":{"src":"https://images.ctfassets.net/40w0m41bmydz/3KghNPuDUoxuS7Fz3xcPJL/deeba2fea157d35ef59584cb21840d47/GoCardless_x_FreeAgent.png?w=680&h=385&q=50&fm=png","srcSet":"https://images.ctfassets.net/40w0m41bmydz/3KghNPuDUoxuS7Fz3xcPJL/deeba2fea157d35ef59584cb21840d47/GoCardless_x_FreeAgent.png?w=170&h=96&q=50&fm=png 170w,\nhttps://images.ctfassets.net/40w0m41bmydz/3KghNPuDUoxuS7Fz3xcPJL/deeba2fea157d35ef59584cb21840d47/GoCardless_x_FreeAgent.png?w=340&h=193&q=50&fm=png 340w,\nhttps://images.ctfassets.net/40w0m41bmydz/3KghNPuDUoxuS7Fz3xcPJL/deeba2fea157d35ef59584cb21840d47/GoCardless_x_FreeAgent.png?w=680&h=385&q=50&fm=png 680w,\nhttps://images.ctfassets.net/40w0m41bmydz/3KghNPuDUoxuS7Fz3xcPJL/deeba2fea157d35ef59584cb21840d47/GoCardless_x_FreeAgent.png?w=1360&h=770&q=50&fm=png 1360w","sizes":"(min-width: 680px) 680px, 100vw"}},"layout":"constrained","width":680,"height":385,"placeholder":{"fallback":"data:image/png;base64,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"}}}}},{"id":"8f91271e-21dd-570f-8e5a-fd512d0c00f0","locale":"en-US","tags":[{"title":"Small Business","slug":"small-business","locale":"en-US"},{"title":"Cash flow","slug":"cash-flow","locale":"en-US"}],"localized":{"__typename":"ContentfulArticleLocalized","locale":"en-US","id":"1996ecb5-1891-5515-843e-13e3713060d7","slug":"strategies-for-collecting-money-from-customers","title":"Get paid faster: Strategies for collecting money from customers","subtitle":null,"teaser":"Master collecting money from customers for healthy cash flow and growth.","kind":{"uid":"blog-post"},"fields":{"richTextReadingTime":{"minutes":3.433333333333333}},"markdownBody":null,"hero":{"title":"Generic resources hero - Cash Flow 1 green (Organic Cash Flow)","gatsbyImageData":{"images":{"sources":[{"srcSet":"https://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=170&h=96&q=50&fm=webp 170w,\nhttps://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=340&h=192&q=50&fm=webp 340w,\nhttps://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=680&h=384&q=50&fm=webp 680w,\nhttps://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=1360&h=768&q=50&fm=webp 1360w","sizes":"(min-width: 680px) 680px, 100vw","type":"image/webp"}],"fallback":{"src":"https://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=680&h=384&q=50&fm=png","srcSet":"https://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=170&h=96&q=50&fm=png 170w,\nhttps://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=340&h=192&q=50&fm=png 340w,\nhttps://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=680&h=384&q=50&fm=png 680w,\nhttps://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=1360&h=768&q=50&fm=png 1360w","sizes":"(min-width: 680px) 680px, 100vw"}},"layout":"constrained","width":680,"height":384,"placeholder":{"fallback":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAALCAMAAABI111xAAAAaVBMVEWl7VCg6lKj7FGo706i61Gp706q8E2e6VOj7FGf6lOr8E2k7FGo70+l7VCg6lKo7k+i61Gm7VCn7k+u8kyu8kuh61Ki61Ks8E2q8E6p706q706t8Uyj61Gh6lKk7FCs8Uyf6VOo706m7k8V3jcXAAAABnRSTlP+/v7+/v6/472iAAAAp0lEQVQIHQXBiwLCIAgF0LteIxwgmFtqrdX/f2TnALeZ7pwWUZUl8Z3mGwCT7JF8yXnxFJ7FgCkVe9R13p7PbV7Xh5U04cRGrZOzCDv1RsYnnEcmGrbZ62WbDaI8zkDTWhuFq3pQq1UbcJERg+jNrbESjRhywRR9Z6mV3blW573HhGsR8mKfvu/9Y8VJyhVoR9aeTFTFUtd8NAAR+fsj6Sl1ofjmCPwBmksNUUXtVh0AAAAASUVORK5CYII="}}},"coverImage":{"title":"Generic resources hero - Cash Flow 1 green (Organic Cash Flow)","gatsbyImageData":{"images":{"sources":[{"srcSet":"https://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=170&h=96&q=50&fm=webp 170w,\nhttps://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=340&h=192&q=50&fm=webp 340w,\nhttps://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=680&h=384&q=50&fm=webp 680w,\nhttps://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=1360&h=768&q=50&fm=webp 1360w","sizes":"(min-width: 680px) 680px, 100vw","type":"image/webp"}],"fallback":{"src":"https://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=680&h=384&q=50&fm=png","srcSet":"https://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=170&h=96&q=50&fm=png 170w,\nhttps://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=340&h=192&q=50&fm=png 340w,\nhttps://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=680&h=384&q=50&fm=png 680w,\nhttps://images.ctfassets.net/40w0m41bmydz/7bkmN7MlYB2csDQe7HgpZI/3aed659fabd6d4265ef42f50e133d8b4/CDT-878_Organic_content_thumbnail_cashflow_01.png?w=1360&h=768&q=50&fm=png 1360w","sizes":"(min-width: 680px) 680px, 100vw"}},"layout":"constrained","width":680,"height":384,"placeholder":{"fallback":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAALCAMAAABI111xAAAAaVBMVEWl7VCg6lKj7FGo706i61Gp706q8E2e6VOj7FGf6lOr8E2k7FGo70+l7VCg6lKo7k+i61Gm7VCn7k+u8kyu8kuh61Ki61Ks8E2q8E6p706q706t8Uyj61Gh6lKk7FCs8Uyf6VOo706m7k8V3jcXAAAABnRSTlP+/v7+/v6/472iAAAAp0lEQVQIHQXBiwLCIAgF0LteIxwgmFtqrdX/f2TnALeZ7pwWUZUl8Z3mGwCT7JF8yXnxFJ7FgCkVe9R13p7PbV7Xh5U04cRGrZOzCDv1RsYnnEcmGrbZ62WbDaI8zkDTWhuFq3pQq1UbcJERg+jNrbESjRhywRR9Z6mV3blW573HhGsR8mKfvu/9Y8VJyhVoR9aeTFTFUtd8NAAR+fsj6Sl1ofjmCPwBmksNUUXtVh0AAAAASUVORK5CYII="}}}}},{"id":"e878dc23-526f-5042-9c63-29a87bf71c1b","locale":"en-US","tags":[{"title":"Invoicing","slug":"invoicing","locale":"en-US"},{"title":"Accountants","slug":"accountants","locale":"en-US"},{"title":"Starting a Business","slug":"starting-a-business","locale":"en-US"}],"localized":{"__typename":"ContentfulArticleLocalized","locale":"en-US","id":"d037760a-3c16-5e23-b408-76114001ada8","slug":"accounting-packages","title":"Choosing the right accounting package for your small business","subtitle":null,"teaser":null,"kind":{"uid":"blog-post"},"fields":{"richTextReadingTime":{"minutes":2.81}},"markdownBody":null,"hero":null,"coverImage":{"title":"Generic resources hero - Accountants 1 green (Organic Accountants)","gatsbyImageData":{"images":{"sources":[{"srcSet":"https://images.ctfassets.net/40w0m41bmydz/4rghWcmzE0rjGnUBRzxabT/d17fa6b09bcfe02e00cd191edda795d7/CDT-878_Organic_content_thumbnail_accounting_01.png?w=170&h=96&q=50&fm=webp 170w,\nhttps://images.ctfassets.net/40w0m41bmydz/4rghWcmzE0rjGnUBRzxabT/d17fa6b09bcfe02e00cd191edda795d7/CDT-878_Organic_content_thumbnail_accounting_01.png?w=340&h=192&q=50&fm=webp 340w,\nhttps://images.ctfassets.net/40w0m41bmydz/4rghWcmzE0rjGnUBRzxabT/d17fa6b09bcfe02e00cd191edda795d7/CDT-878_Organic_content_thumbnail_accounting_01.png?w=680&h=384&q=50&fm=webp 680w,\nhttps://images.ctfassets.net/40w0m41bmydz/4rghWcmzE0rjGnUBRzxabT/d17fa6b09bcfe02e00cd191edda795d7/CDT-878_Organic_content_thumbnail_accounting_01.png?w=1360&h=768&q=50&fm=webp 1360w","sizes":"(min-width: 680px) 680px, 100vw","type":"image/webp"}],"fallback":{"src":"https://images.ctfassets.net/40w0m41bmydz/4rghWcmzE0rjGnUBRzxabT/d17fa6b09bcfe02e00cd191edda795d7/CDT-878_Organic_content_thumbnail_accounting_01.png?w=680&h=384&q=50&fm=png","srcSet":"https://images.ctfassets.net/40w0m41bmydz/4rghWcmzE0rjGnUBRzxabT/d17fa6b09bcfe02e00cd191edda795d7/CDT-878_Organic_content_thumbnail_accounting_01.png?w=170&h=96&q=50&fm=png 170w,\nhttps://images.ctfassets.net/40w0m41bmydz/4rghWcmzE0rjGnUBRzxabT/d17fa6b09bcfe02e00cd191edda795d7/CDT-878_Organic_content_thumbnail_accounting_01.png?w=340&h=192&q=50&fm=png 340w,\nhttps://images.ctfassets.net/40w0m41bmydz/4rghWcmzE0rjGnUBRzxabT/d17fa6b09bcfe02e00cd191edda795d7/CDT-878_Organic_content_thumbnail_accounting_01.png?w=680&h=384&q=50&fm=png 680w,\nhttps://images.ctfassets.net/40w0m41bmydz/4rghWcmzE0rjGnUBRzxabT/d17fa6b09bcfe02e00cd191edda795d7/CDT-878_Organic_content_thumbnail_accounting_01.png?w=1360&h=768&q=50&fm=png 1360w","sizes":"(min-width: 680px) 680px, 100vw"}},"layout":"constrained","width":680,"height":384,"placeholder":{"fallback":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAALCAMAAABI111xAAAAVFBMVEWj7FGo7k+g6lKh6lKn7k+i61Kn7k+i61Gg6lKl7VCm7VCj7FGk7FGq8E6h61Kg6lOq706o7k+o706i61Ko70+f6lOq8E2k7FCl7FCp706h6lKf6VMAGIKcAAAABnRSTlP+/v7+/v6/472iAAAAlklEQVQI1y2NwRaCMAwEI+Ama2VpUwqo//+fHvQ8b2bM4MFHeSICz/JgOMxuqzbWlhmR2So3rTcLeCejo3f0ILsjbModlUMHcGiwYs/JZnSdlzokdF2nOmZb/vy1ba+/s9gMD15yvN9wXQzHbL/n0NHaocHaMicLFJHxawapgrBl1YcVmWNkovKjdbE7XCe9QEJxnnLcv7A/CqdqNg0ZAAAAAElFTkSuQmCC"}}}}},{"id":"fc00ece2-012d-552b-9fd9-2b58a3e015b3","locale":"en-US","tags":[{"title":"Starting a Business","slug":"starting-a-business","locale":"en-US"},{"title":"Small Business","slug":"small-business","locale":"en-US"},{"title":"Alternative Payment Options","slug":"alternative-payment-options","locale":"en-US"},{"title":"Accountants","slug":"accountants","locale":"en-US"},{"title":"Finance","slug":"finance","locale":"en-US"}],"localized":{"__typename":"ContentfulArticleLocalized","locale":"en-US","id":"6d41e190-a7d5-5d55-be02-21a5c19d258c","slug":"best-simple-accounting-software","title":"Simple accounting software: the best options for US businesses","subtitle":null,"teaser":null,"kind":{"uid":"blog-post"},"fields":{"richTextReadingTime":{"minutes":2.82}},"markdownBody":null,"hero":null,"coverImage":{"title":"Generic resources hero - Accountants 2 blue (Organic Accountants)","gatsbyImageData":{"images":{"sources":[{"srcSet":"https://images.ctfassets.net/40w0m41bmydz/3BK7XcG1RXW5YCoY1q3Afq/1a4db76980c57ad528170fc8323bd215/CDT-878_Organic_content_thumbnail_accounting_02.png?w=170&h=96&q=50&fm=webp 170w,\nhttps://images.ctfassets.net/40w0m41bmydz/3BK7XcG1RXW5YCoY1q3Afq/1a4db76980c57ad528170fc8323bd215/CDT-878_Organic_content_thumbnail_accounting_02.png?w=340&h=192&q=50&fm=webp 340w,\nhttps://images.ctfassets.net/40w0m41bmydz/3BK7XcG1RXW5YCoY1q3Afq/1a4db76980c57ad528170fc8323bd215/CDT-878_Organic_content_thumbnail_accounting_02.png?w=680&h=384&q=50&fm=webp 680w,\nhttps://images.ctfassets.net/40w0m41bmydz/3BK7XcG1RXW5YCoY1q3Afq/1a4db76980c57ad528170fc8323bd215/CDT-878_Organic_content_thumbnail_accounting_02.png?w=1360&h=768&q=50&fm=webp 1360w","sizes":"(min-width: 680px) 680px, 100vw","type":"image/webp"}],"fallback":{"src":"https://images.ctfassets.net/40w0m41bmydz/3BK7XcG1RXW5YCoY1q3Afq/1a4db76980c57ad528170fc8323bd215/CDT-878_Organic_content_thumbnail_accounting_02.png?w=680&h=384&q=50&fm=png","srcSet":"https://images.ctfassets.net/40w0m41bmydz/3BK7XcG1RXW5YCoY1q3Afq/1a4db76980c57ad528170fc8323bd215/CDT-878_Organic_content_thumbnail_accounting_02.png?w=170&h=96&q=50&fm=png 170w,\nhttps://images.ctfassets.net/40w0m41bmydz/3BK7XcG1RXW5YCoY1q3Afq/1a4db76980c57ad528170fc8323bd215/CDT-878_Organic_content_thumbnail_accounting_02.png?w=340&h=192&q=50&fm=png 340w,\nhttps://images.ctfassets.net/40w0m41bmydz/3BK7XcG1RXW5YCoY1q3Afq/1a4db76980c57ad528170fc8323bd215/CDT-878_Organic_content_thumbnail_accounting_02.png?w=680&h=384&q=50&fm=png 680w,\nhttps://images.ctfassets.net/40w0m41bmydz/3BK7XcG1RXW5YCoY1q3Afq/1a4db76980c57ad528170fc8323bd215/CDT-878_Organic_content_thumbnail_accounting_02.png?w=1360&h=768&q=50&fm=png 1360w","sizes":"(min-width: 680px) 680px, 100vw"}},"layout":"constrained","width":680,"height":384,"placeholder":{"fallback":"data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABQAAAALCAMAAABI111xAAAAPFBMVEUEvvECw/EEu/AEvPACwvEEvfACw/EEvfEEu/ADwPEDwfEEvvEEv/EEvPABxfIEvfACxPECwvEDwvEEuvA6D/C9AAAABnRSTlP+/v7+/v6/472iAAAAhUlEQVQI1z3NOwLDMAgEUfzJirUMC9b975omcTfVPDMM5zVvROCeF33AbEs5E1XuVUi6crPoKdLVUstJzQ7bC510JZByZqN2Ox6JlJ6Ifx12phazUe6FTi7lacczgpQ6oiUyxnPYa/6eqNpfHRJefctYTKDWKiC5Ijf79BA5Z0f0nKRGf75SpgnNkoOCBAAAAABJRU5ErkJggg=="}}}}},{"id":"4166b3a9-0e12-5e93-b8f5-2d230e6524ef","locale":"en-US","tags":[{"title":"Cash flow","slug":"cash-flow","locale":"en-US"},{"title":"Starting a Business","slug":"starting-a-business","locale":"en-US"},{"title":"Recurring Payments","slug":"recurring-payments","locale":"en-US"},{"title":"ACH","slug":"ach","locale":"en-US"},{"title":"Payments","slug":"payments","locale":"en-US"}],"localized":{"__typename":"ContentfulArticleLocalized","locale":"en-US","id":"7b2148cf-412d-5110-94ab-a34d72edbdb4","slug":"payments-explained-your-guide-to-taking-payments-for-your-organization","title":"Payments explained: Your 101 guide to taking payments","subtitle":null,"teaser":"This guide explains the foundations of taking payments","kind":{"uid":"single-page-guide"},"fields":{"richTextReadingTime":{"minutes":5.206666666666667}},"markdownBody":null,"hero":null,"coverImage":{"title":"Generic blog cover","gatsbyImageData":{"images":{"sources":[{"srcSet":"https://images.ctfassets.net/40w0m41bmydz/4IUt4lq5cQfQLAr5BUPJak/50857bb8675615fe4e7d8d93d67911bd/BD-1356_Open-Banking-Policy-Blogs-02-2475x1400_2x.png?w=170&h=96&q=50&fm=webp 170w,\nhttps://images.ctfassets.net/40w0m41bmydz/4IUt4lq5cQfQLAr5BUPJak/50857bb8675615fe4e7d8d93d67911bd/BD-1356_Open-Banking-Policy-Blogs-02-2475x1400_2x.png?w=340&h=193&q=50&fm=webp 340w,\nhttps://images.ctfassets.net/40w0m41bmydz/4IUt4lq5cQfQLAr5BUPJak/50857bb8675615fe4e7d8d93d67911bd/BD-1356_Open-Banking-Policy-Blogs-02-2475x1400_2x.png?w=680&h=385&q=50&fm=webp 680w,\nhttps://images.ctfassets.net/40w0m41bmydz/4IUt4lq5cQfQLAr5BUPJak/50857bb8675615fe4e7d8d93d67911bd/BD-1356_Open-Banking-Policy-Blogs-02-2475x1400_2x.png?w=1360&h=770&q=50&fm=webp 1360w","sizes":"(min-width: 680px) 680px, 100vw","type":"image/webp"}],"fallback":{"src":"https://images.ctfassets.net/40w0m41bmydz/4IUt4lq5cQfQLAr5BUPJak/50857bb8675615fe4e7d8d93d67911bd/BD-1356_Open-Banking-Policy-Blogs-02-2475x1400_2x.png?w=680&h=385&q=50&fm=png","srcSet":"https://images.ctfassets.net/40w0m41bmydz/4IUt4lq5cQfQLAr5BUPJak/50857bb8675615fe4e7d8d93d67911bd/BD-1356_Open-Banking-Policy-Blogs-02-2475x1400_2x.png?w=170&h=96&q=50&fm=png 170w,\nhttps://images.ctfassets.net/40w0m41bmydz/4IUt4lq5cQfQLAr5BUPJak/50857bb8675615fe4e7d8d93d67911bd/BD-1356_Open-Banking-Policy-Blogs-02-2475x1400_2x.png?w=340&h=193&q=50&fm=png 340w,\nhttps://images.ctfassets.net/40w0m41bmydz/4IUt4lq5cQfQLAr5BUPJak/50857bb8675615fe4e7d8d93d67911bd/BD-1356_Open-Banking-Policy-Blogs-02-2475x1400_2x.png?w=680&h=385&q=50&fm=png 680w,\nhttps://images.ctfassets.net/40w0m41bmydz/4IUt4lq5cQfQLAr5BUPJak/50857bb8675615fe4e7d8d93d67911bd/BD-1356_Open-Banking-Policy-Blogs-02-2475x1400_2x.png?w=1360&h=770&q=50&fm=png 1360w","sizes":"(min-width: 680px) 680px, 100vw"}},"layout":"constrained","width":680,"height":385,"placeholder":{"fallback":"data:image/png;base64,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"}}}}},{"id":"b27e1cfd-6e04-5794-a81e-457399c9b5b9","locale":"en-US","tags":[{"title":"Press Releases","slug":"press-release","locale":"en-US"}],"localized":{"__typename":"ContentfulArticleLocalized","locale":"en-US","id":"549a7048-98d9-5eb3-99ea-f99cb45c33da","slug":"gocardless-appoints-shaun-puckrin","title":"GoCardless appoints Shaun Puckrin as Chief Product Officer","subtitle":null,"teaser":null,"kind":{"uid":"blog-post"},"fields":{"richTextReadingTime":{"minutes":1.5166666666666666}},"markdownBody":null,"hero":null,"coverImage":null}}],"pageInfo":{"currentPage":1,"hasNextPage":true,"hasPreviousPage":false,"totalCount":1712}},"taggedArticles":{"nodes":[],"pageInfo":{"currentPage":1,"hasNextPage":false,"hasPreviousPage":false,"totalCount":0}},"siteMetadata":{"siteMetadata":{"siteUrl":"https://gocardless.com"}},"stickyBanner":{"nodes":[{"internalTitle":"[global] Sticky Banner v1","bodyDesktop":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Try a better way to collect payments\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"},"bodyMobile":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Try a better way to collect payments\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"},"primaryCTALink":"https://manage.gocardless.com/signup?widget=hook","primaryCTAText":"Get started","secondaryCTALink":null,"secondaryCTAText":null,"popupBody":null,"popupImage":null,"popupPrimaryCTAText":null,"popupPrimaryCTALink":null,"popupSecondaryCTAText":null,"popupSecondaryCTALink":null,"theme":"PrimarySpecial"}]},"siteSettings":{"promoBanner":null}},"pageContext":{"guideId":"7JOslBycRjnCmsFQ98ndua","pageId":"1lrwbgaSR3hwzs8pHQWTXl","locale":"en-US","alternativeLangs":{"en":"/guides/sepa/protection/","es":"/es/guias/sepa/proteccion/","nl":"/nl/handleidingen/sepa/bescherming/","fr":"/fr/guides/sepa/protection-consommateurs/","de":"/de/handbuch/sepa/kundenschutz/","en-US":"/en-us/guides/sepa/protection/"},"defaultAuthor":{"name":"GoCardless ","subtitle":"Content Team","slug":"gc","linkedinURL":null,"expertise":"Online Account-to-Account Payments","description":{"text":"The GoCardless content team comprises a group of subject-matter experts in multiple fields from across GoCardless.\n\nThe authors and reviewers work in the sales, marketing, legal, and finance departments. All have in-depth knowledge and experience in various aspects of payment scheme technology and the operating rules applicable to each.\n\nThe team holds expertise in the well-established payment schemes such as UK Direct Debit, the European SEPA scheme, and the US ACH scheme, as well as in schemes operating in Scandinavia, Australia, and New Zealand. "},"photo":null,"locale":"en-US"},"seo":{"noIndex":false},"pagePayload":{"pageType":"Blog","pageExperiments":[]},"primaryTag":"sepa","siteSettingsId":"1lrwbgaSR3hwzs8pHQWTXl"}},"staticQueryHashes":["1400866410","2078132592","2737376969","3189733121","3649353200","392016892","593323695","634141993","635451925"],"slicesMap":{}}