[krenel]

[EU/SEPA Only] If you have signed a B2B SEPA Direct Debit (SDD), it's enough to revoke it on your banking portal as you have mentioned. Your bank is required for a signed Mandate to be able to debit your account. If you have been debited already for a B2B SDD, you only have 3 inter-banking business days to try to Reject the payment (if your bank offers that as a service), afterwards the bank that has issued the SDD is not legally bounded to return the money.

If it's a Core SEPA Direct Debit, there is not the concept of a "signed mandate" but according to the rulebook [1] you have up to 13 months [2] to ask for a Return.

[_sigh_] I've spend so much team reading those rulebooks

[1] https://www.europeanpaymentscouncil.eu/what-we-do/sepa-payme...

[2] "If the request for a Refund concerns an Unauthorised Transaction, a Debtor must present its claim to the Debtor PSP within 13 months of the debit date. [...]"