Root Cause

• Consumer account used for B2B mandate: The customer attempted to process a SEPA Direct Debit B2B collection from a personal (consumer) bank account, which is not permitted.

• Incorrect account type: The provided account is not classified as a business or non-consumer account, which is required for B2B SEPA mandates.

• Bank account restrictions: The customer's bank restricts B2B mandate collections to eligible business accounts only.

• Misunderstanding of SEPA mandate requirements: The customer was unaware that a B2B mandate specifically requires a business bank account.

Troubleshooting and Solutions

• Advise the customer to provide a valid business or non-consumer bank account eligible for SEPA Direct Debit B2B mandates.

• Clearly communicate that B2B mandates are restricted to business accounts and cannot be processed from personal accounts.

• Recommend your customer to use an alternative payment method if they does not have an eligible business account.

• Retry the transaction only after receiving valid business account details from the customer.