SEPA Direct Debit Core vs B2B: Developer Guide

Stripe, Adyen and GoCardless all support SEPA Direct Debit, but none of them will collect under the B2B scheme, and Mollie doesn't document it either. That matters more than it sounds. B2B is the version where the payer cannot claw the money back, and if you sell to businesses you have probably been told it exists, that it is safer, and that you should "just switch it on". Through a PSP API, in 2026, you can't. The guides that rank for "SEPA Direct Debit Core vs B2B" are written for finance teams: Core is for consumers, B2B is for companies, B2B has no refund.