You can reclaim every amount booked(fetched) via IBAN payment for 13 month, except when you gave an valid mandate, then it's 6weeks where you can invert the payment. If you submit(wire transfer) money via bank payment though, it is up to your bank, the bank of the reciever and the reciever to ack a refund. Failed IBAN payments costs the reciever side like 10€ if they triggered it. Also i have never seen a check beeing used except for people who won a lottery or something.