> ## Documentation Index > Fetch the complete documentation index at: https://docs.qonto.com/llms.txt > Use this file to discover all available pages before exploring further. # v1/sepa-direct-debit-collections > OAuth scope: `sepa_direct_debit.read` Webhook that delivers events related to SEPA Direct Debit collections. Supported events: - `completed` — The collection amount was successfully collected and settled. - `failed` — The collection did not succeed. data.event is "failed" (unified from declined/rejected/canceled); data.status stays fine-grained. - `returned` — The collection was credited but reversed by the bank (settlement to D+5). - `refunded` — The collection was credited but reversed following a client request (settlement up to 8 weeks). This topic delivers events related to SEPA Direct Debit collections. **Events:** * **`completed`** — The collection amount was successfully collected and settled. * **`failed`** — The collection did not succeed. For internal statuses declined, rejected, or canceled, the webhook sets `data.event` to `"failed"` so subscribers see a single event type; `data.status` remains fine-grained (e.g. `rejected`). `data.status_reason` indicates why (e.g. `insufficient_funds`, `amount_limit_reached`, `no_mandate`). * **`returned`** — The collection had been credited but was reversed by the debtor's bank (R-transaction). Typically from settlement up to **D+5**. Bank-triggered. * **`refunded`** — The collection had been credited but was reversed following a request by the client (debtor). Typically from settlement up to **8 weeks**. Client-triggered. **Return vs refund:** Return = bank-triggered, D+5. Refund = client-triggered, up to 8 weeks. `data.direct_debit_subscription_id` is included so you can correlate the collection with an SDD subscription. Allowed values for `status_reason` are documented in the API reference. ```json v1/sepa-direct-debit-collections completed theme={null} { "id": "123e4567-e89b-12d3-a456-426614174000", "subscription_id": "123e4567-e89b-12d3-a456-426614174000", "organization_id": "123e4567-e89b-12d3-a456-426614174000", "membership_id": "123e4567-e89b-12d3-a456-426614174000", "type": "v1/sepa-direct-debit-collections", "created_at": "2025-01-24T10:55:00Z", "data": { "event": "completed", "id": "497f6eca-6276-4993-bfeb-53cbbbba6f08", "direct_debit_subscription_id": "497f6eca-6276-4993-bfeb-53cbbbba6f08", "amount": { "value": "102.34", "currency": "EUR" }, "reference": "ref-123", "status": "completed", "collection_date": "2026-01-01" } } ``` ```json v1/sepa-direct-debit-collections failed theme={null} { "id": "123e4567-e89b-12d3-a456-426614174000", "subscription_id": "123e4567-e89b-12d3-a456-426614174000", "organization_id": "123e4567-e89b-12d3-a456-426614174000", "membership_id": "123e4567-e89b-12d3-a456-426614174000", "type": "v1/sepa-direct-debit-collections", "created_at": "2025-01-24T10:55:00Z", "data": { "event": "failed", "id": "497f6eca-6276-4993-bfeb-53cbbbba6f08", "direct_debit_subscription_id": "497f6eca-6276-4993-bfeb-53cbbbba6f08", "amount": { "value": "102.34", "currency": "EUR" }, "reference": "ref-123", "status": "rejected", "status_reason": "insufficient_funds", "collection_date": "2026-01-01" } } ``` ## OpenAPI ````yaml webhook v1/sepa-direct-debit-collections openapi: 3.1.1 info: version: v2 title: Qonto servers: - url: https://thirdparty.qonto.com description: Production URL - url: https://thirdparty-sandbox.staging.qonto.co description: Sandbox URL security: - OAuth: - organization.read - membership.read - membership.write - attachment.write - internal_transfer.write - payment.write - supplier_invoice.write - supplier_invoice.read - client_invoices.read - client_invoice.write - client.read - client.write - product.read - product.write - request_review.write - request_review.read - team.read - team.write - request_transfers.write - insurance_contract.read - insurance_contract.write - card.read - card.write - bank_account.write - beneficiary.trust - webhook - payment_link.write - payment_link.read - sepa_direct_debit.read - sepa_direct_debit.write - terminal.read - terminal.write - SecretKey: [] paths: {} components: securitySchemes: OAuth: type: oauth2 description: > Bearer authorization header: `Bearer `, where `` is the access token received from the authorization server at the end of the [OAuth 2.0 flow](/get-started/business-api/authentication/oauth/oauth-flow). flows: authorizationCode: refreshUrl: https://oauth.qonto.com/oauth2/token authorizationUrl: https://oauth.qonto.com/oauth2/auth scopes: attachment.read: Retrieve attachments attachment.write: Upload attachments and remove attachments from transactions bank_account.write: Create, update and close bank accounts beneficiary.trust: Trust SEPA beneficiaries card.read: Retrieve cards card.write: Create or update cards client.read: Retrieve clients client.write: Create clients client_invoice.write: Create client invoices client_invoices.read: Retrieve client invoices and credit notes einvoicing.read: Retrieve e-invoicing settings embed_auth_link.write: Create Embed auth links insurance_contract.read: Retrieve insurance contracts insurance_contract.write: Create and update insurance contracts internal_transfer.write: >- Create internal transfers (between 2 Qonto accounts of the same organization) international_transfer.write: Create international transfers membership.read: Retrieve the authentified membership membership.write: Invite team members offline_access: Retrieve a refresh token organization.read: >- Retrieve organization, bank accounts, transactions, transfers, beneficiaries, labels, memberships, requests & statements payment.write: Create external transfers and untrust beneficiaries payment_link.read: >- Retrieve payment links, their payments, and the available payment methods payment_link.write: >- Connect to the payment links provider, create and deactivate payment links product.read: Retrieve products product.write: Create products request_cards.write: Create card requests request_review.write: Approve or decline requests request_transfers.write: Create transfer requests sepa_direct_debit.read: View SEPA Direct Debit payments sepa_direct_debit.write: Manage SEPA Direct Debit payments supplier_invoice.read: Retrieve supplier invoices supplier_invoice.write: Create supplier invoices team.read: Retrieve teams team.write: Create teams terminal.read: View your payment terminals terminal.write: Configure your terminals and initiate payments webhook: >- Receive a notification each time a particular event occurs in Qonto tokenUrl: https://oauth.qonto.com/oauth2/token SecretKey: type: apiKey description: cf. [API key](/get-started/business-api/authentication/api-key) name: Authorization in: header ````