SEPA transfer recipients cannot get bank explanations for rejected or delayed payments

When a SEPA transfer fails or gets rejected, payees have no direct way to contact the recipient's bank to understand why the payment didn't go through. This leaves freelancers, contractors, and small business owners stuck without payment, unable to troubleshoot the issue, and forced to chase down their clients for answers. Banks provide no transparent communication channel for non-customers to inquire about failed transfers.