The SEPA direct debit scheme is offered in two versions:

• SEPA core direct debit with right of objection
• SEPA B2B direct debit without right of objection 

The basis for debiting is a valid SEPA Direct Debit Mandate from the payer.

SEPA core direct debit

As a business customer, you can pay with SEPA core direct debit. You have the right to object within eight weeks following the debit, without having to state a reason.

SEPA Core Direct Debit Mandate procedure

1. The invoice issuer provides the debtor with the SEPA Core Direct Debit Mandate
2. The debtor returns the fully completed SEPA Core Direct Debit Mandate to the invoice issuer

SEPA B2B direct debit

SEPA B2B direct debit without right of objection is available only to business customers.

SEPA B2B Direct Debit Mandate procedure

1. The invoice issuer provides the debtor with the SEPA B2B Direct Debit Mandate
2. The debtor sends the fully completed SEPA B2B Direct Debit Mandate to PostFinance
3. After activation by PostFinance, the debtor receives the SEPA B2B Direct Debit Mandate back
4. The debtor returns the fully completed SEPA B2B Direct Debit Mandate to the invoice issuer

SEPA core direct debit

Debtors have a general right of objection within eight weeks (56 calendar days) from the date of debit, without having to give a reason. In the case of unauthorized debits (non-existent or invalid SEPA core direct debit mandates), the right of objection applies for 13 months from the date of the debit. This must be claimed as soon as you become aware of the debit.

In the event of an objection, the following information is required: your own PostFinance account number or IBAN, the booking date, the amount and the name and address of the invoice issuer.

Send your objection to:

PostFinance Ltd
Scan Center
3002 Bern