What is the Direct Debit Guarantee? How to get money back from a wrong Direct Debit
By SendPay Business · · 2 min read
The Direct Debit Guarantee is a promise that comes with every Direct Debit in the UK. If money is taken in error, by you, your bank or the company collecting, your bank must refund it straight away.
What it promises
- The company must tell you in advance if the amount or date of a payment changes.
- If an error is made, you get a full and immediate refund from your bank.
- You can cancel a Direct Debit at any time by contacting your bank.
How to claim
Contact your bank, usually through its app or by phone, and say which payment was wrong. The bank refunds you and then recovers the money from the company, which can't refuse the claim with the bank but can follow up with you if it disagrees.
For businesses collecting
Businesses that collect by Direct Debit, directly or through a provider, must follow the scheme rules, including sending advance notice of payments. Refund claims under the Guarantee are taken back from them.
Where SendPay fits
SendPay platforms let your customers take payments by payment link, invoice and subscription under your own brand, powered by licensed partners.
Build it
Create your own financial platform.
Pick a template, name it, brand it, preview every page before you pay. Your brand, your users, your fees.
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Standing order or Direct Debit?
Who controls the payment is the difference.
What is a standing order? →Read next
This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. PayPal, Patreon and Substack are named as reference points only and are not affiliated with SendPay Business.