Besides the fact that a direct debit payment is reversible, isn't there also a timeout between the authorization and actual debit (in The Netherlands, I believe

Besides the fact that a direct debit payment is reversible, isn't there also a timeout between the authorization and actual debit (in The Netherlands, I believe it's about 1-2 days)? How do they handle chargebacks/failed payments and do they charge their merchants for failed payments/chargebacks? I think direct debit could be huge on mobile, but given the fact that every direct debit payment can be cancelled within a month or so, how do you reduce your risks?