> ## Documentation Index
> Fetch the complete documentation index at: https://developer.tazapay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# FAQ: Recall

> Frequently asked questions on payment recalls for SEPA in GB and UK Payments.

<AccordionGroup>
  <Accordion title="Is a recall possible in the UK and in Euro (SEPA) payments by the payer?" defaultOpen>
    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.
    * **UK (Faster Payments):** There's no scheme-level recall message built into Faster Payments itself. Instead, banks run their own bilateral **recall/recovery request** process (sometimes called Credit Payment Recovery) outside the scheme rules, asking the beneficiary bank to return funds.

    So, possible in both, but SEPA's version is standardised across all participating banks; the UK's is a bank-to-bank courtesy process.
  </Accordion>

  <Accordion title="Is a recall guaranteed to succeed by payer?">
    **No, in neither region.** A recall is always a *request*, not an instruction the beneficiary bank must obey.

    * The beneficiary bank must respond (SEPA rulebook requires a response within 15 banking business days), but a **positive response depends on the beneficiary's consent** to have their account debited — unless local law/account terms allow the bank to debit without consent, or fraud is confirmed.
    * If the funds have already been withdrawn, spent, or moved on, there's nothing left to return regardless of consent.
    * UK banks explicitly disclose that recall/recovery attempts may fail and can still charge a fee for trying, win or lose.
  </Accordion>

  <Accordion title="At what stage is recall possible - SCT, SCT Inst, and FPS by Payer?">
    | Scheme                     | When can a recall be initiated?                                                                                         | Notes                                                                                                                             |
    | -------------------------- | ----------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------- |
    | SEPA Credit Transfer (SCT) | Any time after the transfer is sent — even after it's been credited to the beneficiary's account                        | Formal window: up to 13 months after settlement date, but success rate drops sharply with time; most effective in first 24–48 hrs |
    | SEPA Instant (SCT Inst)    | Same recall mechanism (PR-02) applies immediately after settlement, since funds are usable by the beneficiary instantly | Allowed reasons are narrower: duplicate sending, technical error, or fraud                                                        |
    | UK Faster Payments (FPS)   | Can be requested at any point after the payment settles (there's no "before settlement" state — FPS settles in seconds) | No scheme-mandated timeline or guaranteed response window like SEPA's 15-day rule; purely a bank's own recovery process           |

    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.
  </Accordion>
</AccordionGroup>