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Re:Can the Visa-Mastercard duopoly be broken? by lxgr on Thursday August 18, 2022 @08:18AM (#32508548)
There is. It‘s 8 weeks (for any reason including "I‘d like my money back and rather do something else with it") or 13 months (for unauthorized charges).

https://www.europeanpaymentscouncil.eu/what-we-do/sepa-direc...

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