How does SEPA direct debit work in my Business Account?

SEPA direct debit lets creditors withdraw funds from your Business Account automatically, based on a mandate you've authorised. You can see upcoming and processed direct debits directly in your Mollie dashboard.

What does this cover?

A direct debit is a payment where a creditor pulls funds from your account using a mandate you've signed. These payments appear in your Business Account dashboard — as upcoming transactions the day before they're processed, and in your transaction history once completed.

The payment details page shows you:

From — your account name and IBAN
To — the creditor's name and IBAN
Date — the scheduled execution date
Type — Direct debit
Description — if provided by the creditor
Mandate ID — the reference for the authorised mandate
Creditor ID — the creditor's identifier
Status — In progress, Completed, Failed, or Cancelled

How do I see my upcoming direct debit payments?

Go to Accounts in the left navigation.
Select the account linked to the mandate.
Scroll to your transaction list. Upcoming direct debits due tomorrow appear at the top, showing the creditor name, amount, and status.
If there are multiple upcoming direct debits, you'll see a summary row with the total amount. Click it to view all transactions for that account.
Click a single direct debit to open the payment details page.

How do I manage an existing direct debit?

Mollie does not manage mandates on your behalf. To cancel a mandate or stop future direct debits, contact the creditor shown in the payment details directly.

You can find the creditor's name and IBAN on the payment detail page under To.

What if I want to refund or dispute a direct debit?

You can act on a processed direct debit from the payment detail page. What's available depends on how much time has passed since the payment date.

Within 8 weeks Click Refund to return the money to your account immediately.

Note: Refunding does not cancel your mandate. Contact the creditor directly to avoid future charges.

Between 8 weeks and 13 months You can only dispute the payment if the mandate was never signed, was invalid, or was cancelled. Click Dispute and send an email with your transaction details and a description of the issue to ba-disputes@mollie.com.

After 13 months Refunds and disputes are no longer possible through Mollie. Contact the creditor directly to resolve any issues.

Troubleshooting

I don't see any upcoming direct debits Upcoming direct debits only appear the day before the scheduled execution date, when the status is Pending. If you expect a payment tomorrow and it's not showing, confirm with the creditor that the mandate is active.

My direct debit shows as Failed A failed direct debit means the payment could not be processed. Check that your account had sufficient funds on the execution date, and contact the creditor if the issue persists.

I can't find the Dispute option The dispute option is only available within the allowed timeframe and under specific conditions (mandate was never signed, invalid, or cancelled). Payments older than 13 months can no longer be disputed through Mollie — contact the creditor directly.

I refunded a direct debit but I'm still being charged Refunding a direct debit does not cancel the underlying mandate. To stop future charges, contact the creditor directly and ask them to cancel the mandate.