[runako]

> Banking standards here in the EU impose a 13 months period during which the sender (order sender) can ask for a full refund

Is this really true? Do EU bank transactions really take 13 months to fully clear?

[moviuro]

No, they don't take 13 months to clear. The idea is to protect the payer (the one losing money) from either their human error, or an unlawful debit.

See https://www.europeanpaymentscouncil.eu/what-we-do/sepa-direc... .

[dkersten]

Is that for “direct debit” only or all transactions?