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stone pawn
hello! Yes, that's normal. SEPA Debits are not instantaneous. Like what https://docs.stripe.com/payments/sepa-debit mentions
SEPA Direct Debit is a reusable, delayed notification payment method. This means that it can take up to 14 business days to receive notification on the success or failure of a payment after you initiate a debit from the customer’s account, though the average is 7 to 8 business days.
void depot
Hi Alex! Yep I'm familiar with those docs. But aren't the docs saying that after the money is debited from the customer's account, that it then takes 7-8 business days before we get notified of this and have the money available for pay out?
Or doe the 7-8 business days also refer to the debit taking places? I.e. after 7-8 business days the money gets debited, and then at the same time we receive a notificaiton?
stone pawn
Or doe the 7-8 business days also refer to the debit taking places? I.e. after 7-8 business days the money gets debited, and then at the same time we receive a notificaiton?
It's this one actually. The customer's account is debited, then 7 - 8 business days later we receive notification that the payment was successful, then there's another block of time where you wait for the funds to become availble for payout
void depot
right that's what i thought too! 🙂
So my question is, how long does it take before the customer's account is debited?
So when the customer buys a subscription using SEPA Direct Debit, I was expecting that the money would be debited almost instantaneously, but the customer is now reporting that it took 5 days for the debit to happen
stone pawn
So for SEPA debit, it's mandatory to notify the customer ahead of time that the debit is going to take place
void depot
yep we do that
void depot
But when a customer buys a subscription, they are notified of course about the fact that they are buying a subscription. So shouldn't the debit then be pretty much instantanous?
Like there is no guidance in the Stripe Docs how long it takes before the debit completes. Not for the first payment nor for any consecutive payments
stone pawn
for when the debit actually happens on the customer's end, i agree we don't share any specific timeline. Is there a reason why you're looking to know about this though? Generally from the perspective of a merchant, when you receive the funds is probably more important - and that's covered in our docs
void depot
Yes that's right. But we offer our connected accounts to ability to offer subscriptions to their customers. So we got the question from our connected accounts why it takes so long before their customers are debited
So I want to be able to tell them what the average is for this, but couldn't find much about this in the Stripe Docs
stone pawn
ah, i see, maybe it's better that you reach out to our Support team who might be able to shed light about it https://support.stripe.com/contact/email. I don't know enough to be able to say with any certainty unfortunately
void depot
Yeah I tried that already... But unfortunately they didn't know either. I guess I'm just surprised that there appears to be no rule-of-thumb how long it takes for a debit to take place for this payment method
stone pawn
it could defer from bank to bank, that's why we aren't able to give an exact timeline
void depot
ah ok ok