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Is a recall possible in the UK and in Euro (SEPA) payments by the payer?

Yes, in both — but “recall” means different things technically:
  • SEPA (EU/Euro): A formal, scheme-defined Recall message exists under the EPC Rulebooks for both SCT (regular) and SCT Inst (instant). It can be sent by the originator’s bank at any point after the payment is sent, but it is at merchant discretion to accept.
  • UK (Faster Payments): There’s no scheme-level recall message built into Faster Payments itself. Recalls based on sender bank determination under APP fraud guidelines are possible.
So, possible in both, but SEPA’s version is standardised across all participating banks; the UK’s is a bank-to-bank courtesy process.
APP stands for Authorised Push Payment fraud.APP fraud occurs when a fraudster tricks a customer into authorising a legitimate bank transfer to an account controlled by the fraudster. The important distinction is that the customer authorises the payment themselves — their bank account or credentials have not necessarily been hacked. Instead, the customer has been deceived about who they are paying or why they are making the payment.Common examples include:
  • Impersonation scams — someone pretends to be a bank, supplier, government authority, or another trusted organisation.
  • Fake invoice scams — a customer is tricked into paying a fraudulent invoice or incorrect bank details.
  • Investment scams — a customer is persuaded to transfer money for a fraudulent investment.
  • Purchase or service scams — a customer is deceived into paying for goods or services that do not exist.
The customer’s bank will assess the claim. If the payment qualifies as APP fraud under the applicable rules, the buyer’s bank may reimburse the buyer and notify the receiving PSP.The receiving PSP may then seek its applicable share of the reimbursement from the party responsible for the receiving account. For a merchant using Tazapay, this may ultimately result in a liability being passed through to the merchant in accordance with the merchant agreement.
The receiving PSP passes its share of the APP fraud liability to Tazapay under the applicable agreement. This liability may subsequently be passed through to the merchant under the merchant agreement.The flow can therefore be:Customer → Sending PSP → Receiving PSP → Tazapay → MerchantThis means that merchants using Open Banking collections should understand that APP fraud can create a financial liability even though Open Banking does not operate like a traditional card chargeback scheme.
Under the UK APP fraud reimbursement regime, the maximum reimbursement amount is £85,000 per claim.
In all three, recall is not gated on whether the funds have been credited — it can be requested before or after credit. What changes after credit is simply how the money comes back (debit-with-consent / new transfer), not whether a request can be made.