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

# 001405

> <small>&#8249; [All error codes](/errors/codes#refunds)</small>

<table>
  <tbody>
    <tr>
      <th class="header"><strong>Error message</strong></th>
      <td class="table-content">The initial transaction occured less than 7 days ago</td>
    </tr>

    <tr>
      <th class="header"><strong>Description</strong></th>
      <td class="table-content">A direct debit pay-in cannot be refunded within 7 calendar days of the pay-in `CreationDate`.</td>
    </tr>

    <tr>
      <th class="header"><strong>Categories</strong></th>

      <td class="table-content">
        <div class="label">Refund</div>
        <div class="label">Direct debit</div>
      </td>
    </tr>
  </tbody>
</table>

### Causes

This error is triggered on a [pay-in refund](/api-reference/refunds/create-refund-payin) 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](/guides/payment-methods/banking/direct-debit##late-failures%2C-chargebacks-and-refunds) 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](/testing/payment-methods#direct-debit-refunds) to avoid having to wait 7 days before initiating the refund.

### Example

The [Refund](/api-reference/refunds/refund-object) object with this error:

```json theme={null}
{
    "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
}
```