001405

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Error message	The initial transaction occured less than 7 days ago
Description	A direct debit pay-in cannot be refunded within 7 calendar days of the pay-in CreationDate.
Categories	Refund Direct debit

Causes

This error is triggered on a pay-in refund if the initial pay-in’s PaymentType is DIRECT_DEBIT and its CreationDate was in the last 7 full calendar days.

This limitation exists because of the possibility of late failures on direct debit pay-ins, which may occur on a successful pay-in.

What to do

Platforms must wait until the 8th day following the day of the pay-in’s CreationDate before initiating a refund for a direct debit pay-in.

Testing

In a testing scenario, platforms can use the mock available to avoid having to wait 7 days before initiating the refund.

Example

The Refund object with this error:

{
    "Id": "refund_m_01JP04JY9EN05G6SJJ0ZCM1PFG",
    "Tag": "Custom meta",
    "CreationDate": 1741605536,
    "AuthorId": "user_m_01JP04K4CZ3WQQZYZK3Z604RQT",
    "CreditedUserId": null,
    "DebitedFunds": {
        "Currency": "EUR",
        "Amount": 5700
    },
    "CreditedFunds": {
        "Currency": "EUR",
        "Amount": 5350
    },
    "Fees": {
        "Currency": "EUR",
        "Amount": -350
    },
    "Status": "FAILED",
    "ResultCode": "001405",
    "ResultMessage": "The initial transaction occured less than 7 ago",
    "ExecutionDate": null,
    "Type": "PAYOUT",
    "Nature": "REFUND",
    "InitialTransactionId": "payin_m_01JP04NBJKBMPAZ0GQENNYJPJG",
    "InitialTransactionType": "PAYIN",
    "InitialTransactionNature": "REGULAR",
    "DebitedWalletId": "wlt_m_01JP04NHXNQS04N7SQR36YPFN5",
    "CreditedWalletId": null,
    "RefundReason": {
        "RefundReasonMessage": null,
        "RefundReasonType": "INITIALIZED_BY_CLIENT"
    },
    "StatementDescriptor": null
}