Requesting a SEPA withdrawal you just get the money back instantly. They would have to use other ways like send reminder invoice and then threaten legal action.

Requesting a SEPA withdrawal you just get the money back instantly. They would have to use other ways like send reminder invoice and then threaten legal action. So it puts the burden of proof on the company instead of consumer. By the way requesting a SEPA transaction at the moment is as easy as submitting a IBAN (bank account) nr. and that's enough to deduct money from that account via for instance a stripe account (or directly request it to a bank). That's probably why it's also very easy to refund it as a customer. In case of complaints they will check you, but it's based upon good faith. Not really sure why this works, but it does. Officialy you need a mandate, but there is no electronic format, a paper and signature is also valid, so the banks in Europe just accept every SEPA request. But then customers have the power to refund and block on-demand. There is even a risk of a fine if a consumer complains a withdrawal was made without proper authorization.