A SEPA direct debit transaction can be charged back up until 56 days (8 weeks) after the collection date. This is decided by law. Most banks make it very easy to reverse a payment, without having to give any reason why. This means that reason can be very hard to find out.
in eCurring, you can decide per product how many times an automatic retry should happen. This means eCurring will try to collect the payment again after it's been charged back. The amount of attempts can be set to a maximum of 3.
However, not every type of charge back will be automatically retried. When a payment was manually reversed by a customer, we will not attempt another collection. This is because the chances are very high the customer will charge back again, and there are costs associated with that. In those cases, a payment reminder will be sent out immediately (if this is enabled in the product) so the customer can pay manually through an attached payment link.
You can find more information about this in the article about retries.