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 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 : correct your B2B mandate
👉 The direct debit remains pending 48 hours to give you time to correct the situation.
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.
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