What happens when this goes wrong?
Every other page shows this payment working. Here you choose what breaks, and follow the damage — because a hold, a return or a missed cut-off is the system working as designed, and reading one calmly is the job.
Pick a failure above. Nothing here is invented — each one is a reason code this rail really uses, at the step where it really strikes.
One CSM, one settlement cycle, direct participants only, with mandate registration compressed into a single step. Real SEPA B2B processing batches collections, uses pre-notification, and may involve indirect participation through another bank. Every failure here is authored on SEPA Direct Debit — B2B, with the sources that back it.