The point is that SEPA direct debits are revokable. And by revokable, I mean they are revokable up to 13 months after a transaction. How easily it is depends on

The point is that SEPA direct debits are revokable. And by revokable, I mean they are revokable up to 13 months after a transaction. How easily it is depends on your bank : on some banks you need to send a paper letter, on one of my banks, you need to contact the customer service, on the other, reversing a SEPA debit can be done with a simple button on my web interface. SEPA push, whose are, by definition, manual actions from yourself via the web interface of your bank are not reversible. But that’s probably not the most frictionless method so it’s rarely used other than people to people transactions, between your own bank accounts, or for really big purchases like buying a car.