ChargebackManagement
When customers reverse SEPA payments, you need clear answers. Track, understand, and prevent chargebacks with ease.
Customer requested their bank to reverse this payment. This can happen within 8 weeks of the transaction.
What is a Chargeback?
A chargeback (also called "terugboeking" in Dutch) happens when a customer asks their bank to reverse a payment. This is most common with SEPA Direct Debit payments. Customers in the EU can request a reversal within 8 weeks of the transaction — no questions asked.
Payment Reversed
The money is returned to the customer's bank account
You Get Notified
PayRequest automatically syncs and shows you the details
Understand Why
Clear reason codes help you know what happened
Why Chargebacks Happen
Every chargeback comes with a reason code from the bank. Here's what they mean in plain language — and what you can do about it.
Payment Details
Invalid IBAN
Bank account number is incorrect or unknown
Invalid Mandate
Authorization expired or is missing
Account Status
Account Closed
Customer's bank account has been closed
Direct Debit Blocked
Account doesn't allow direct debits
Insufficient Funds
Not Enough Balance
Customer didn't have enough funds
Customer Initiated
Customer Reversal
Customer requested their bank to reverse the payment
Pre-emptive Decline
Customer stopped the payment before processing
What To Do When You Get a Chargeback
Don't panic. Follow these simple steps to handle any chargeback professionally.
Check the Reason
Understand why the chargeback happened by reviewing the reason code
Review History
Look at the customer's subscription and payment history for context
Reach Out
Contact your customer to resolve the underlying issue
Update Details
Get new payment information if the bank details were invalid
How to Prevent Chargebacks
The best chargeback is the one that never happens. Follow these best practices to minimize reversals.
Communicate Clearly
Always inform customers before charging. Use clear payment descriptions they'll recognize on their bank statement.
Verify Bank Details
Validate IBANs before creating mandates. Confirm account status when customers sign up.
Time Payments Right
Don't charge immediately after mandate creation. Allow processing time for first payments.
Keep Info Updated
Maintain current customer contact information. Update banking details when customers notify you of changes.
Always Up to Date
PayRequest automatically syncs chargeback data from Mollie in the background. No manual refreshing needed — you always have the latest information.
- Synced every 4 hours automatically
- Full 90-day transaction history
- Linked to subscriptions, invoices & customers
Related Features
Explore more payment management tools.
Take control of chargebacks
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