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DOC-1278/add-day-until-sdd-ins-are-cancallable #518

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13 changes: 9 additions & 4 deletions docs/topics/merchants/online/sdd/index.mdx
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Expand Up @@ -63,7 +63,7 @@ The merchant payment object has **distinct balances** to follow a payment's life

| SDD payment object balance | Explanation |
|---|---|
| `availableToCancel` | Pending amount that can still be canceled. Cancellations must be requested by the day before the scheduled execution and within the specified [cutoff time](/topics/merchants/online/sdd/#canceling). |
| `availableToCancel` | Pending amount that can still be canceled. Cancellations must be requested by the business day before the scheduled execution and within the specified [cutoff time](/topics/merchants/online/sdd/#canceling). |
| `totalCanceled` | The total amount canceled for this merchant payment. |
| `totalCaptured` | The total amount captured by the merchant. |
| `availableToRefund` | The amount the merchant can refund. Use this balance to know if a payment is eligible for a refund. |
Expand Down Expand Up @@ -150,13 +150,18 @@ Merchants can cancel SEPA Direct Debit payments using the [`cancelMerchantPaymen
To understand if a payment is cancelable, check its `availableToCancel` balance.
Only the full amount can be canceled.

Payments can only be canceled before transactions are sent to the SEPA payment gateway, respecting the current cutoff times:
Payments can only be canceled before transactions are sent to the SEPA payment gateway.
Cancellation requests must be submitted **the business day before the scheduled execution** and before the scheme-specific cutoff time:

- **SDD Core**: Payments can be canceled until approximately **11:00 Central European [Summer] Time (CET/CEST)**
- **SDD B2B**: Payments can be canceled until approximately **10:00 Central European [Summer] Time (CET/CEST)**
- **SDD Core**: Until approximately **11:00** Central European [Summer] Time (CET/CEST).
- **SDD B2B**: Until approximately **10:00** Central European [Summer] Time (CET/CEST).

After these cutoff times, the payment can't be canceled and will proceed to settlement.

:::info Timezone
All cutoff times are in Central European Time (CET) or Central European Summer Time (CEST), depending on the season.
:::

## Payment mandates {#mandates}

A payment mandate is a written authorization from a debtor that allows a creditor to initiate a direct debit transaction from their account.
Expand Down