List of ErrorsA personal (consumer) bank account was used for a SEPA B2B (Business-to-Business) Direct Debit mandate. SEPA B2B mandates require a business bank account and cannot be processed from consumer accounts.

Root Cause

• Consumer account used for B2B mandate: The customer attempted to process a SEPA Direct Debit B2B collection from a personal 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 restrictions: The customer's bank restricts B2B mandate collections to eligible business accounts only.
• Mandate requirement misunderstanding: 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 the customer use an alternative payment method if they do not have an eligible business account.
• Retry the transaction only after receiving valid business account details from the customer.