Description

The payment failed because the bank account provided does not support SEPA Direct Debit transactions. This error occurs when the account is not part of the SEPA network, the account type does not support direct debits, or the bank does not offer SEPA services.

Recommended Customer Message

Your payment could not be processed because your bank account does not support SEPA Direct Debit. Please use a different bank account that supports SEPA or choose an alternative payment method.

Root Cause

• Non-SEPA account: The provided bank account is not part of the Single Euro Payments Area (SEPA) network and cannot process SEPA Direct Debit transactions.
• Unsupported account type: The account type does not support SEPA Direct Debits (e.g., savings accounts or certain business accounts).
• Bank limitations: The customer's bank does not offer SEPA Direct Debit services for their account.
• Incorrect bank details: The IBAN or bank details provided do not belong to a SEPA-participating bank.

Troubleshooting and Solutions

• Ask the customer to use a different bank account that supports SEPA Direct Debits.
• Verify that the customer has provided the correct IBAN and bank details.
• Recommend the customer use an alternative payment method if a SEPA-compliant account is not available.
• Clearly inform customers during checkout about payment method requirements related to SEPA.
• Retry the transaction only after confirming that the provided account supports SEPA Direct Debits.