How can I process SEPA chargebacks?

[maartenb17]

In Europe for recurring payments we rely mostly on SEPA payments though credit card payments are used too. The unique feature of SEPA is that payments can be charged back. So first the SEPA payment is registered as successful but then the customer and/or the bank can issue a chargeback. These chargebacks never occur immediately so the initial payment is registered as successful in Swell. Problem is that there is no way to register a chargeback payment in Swell. I can refund an invoice but that doesn't turn the invoice's status back to unpaid and starting a dunning sequence. Now in Swell there is no way I can monitor subscriptions/invoices on chargebacks. Maybe I am overlooking something or you know a workaround. As far as I can see this is a serious shortcoming that needs to be fixed. Please help!

In short Swell is lacking a chargeback billing flow where a chargeback is being registered as a separate negative payment effectively undoing the initial payment and changing the status to unpaid/chargedback so the dunning sequence can start automatically. In many ways it resembles the refund logic with the difference that the invoice is set to unpaid.