Understanding declined transactions and temporarily blocked accounts - Pay by bank, powered by Plaid
Dutchie Pay is now Pay by Bank, powered by Plaid!
Over the next few weeks, you’ll see some changes to our articles about Dutchie Pay.
Dutchie Pay is now called Pay by Bank, and we'll be changing this throughout our documentation. You may see some articles or screenshots that still use Dutchie Pay as we work to change it throughout our help center.
Pay by Bank, powered by Plaid is the same great product, with the same great features, just with a brand new name!
This article helps you to understand why your Pay by Bank account is temporarily blocked and what can be done to resolve it.
Declined Pay by Bank transactions
Pay by Bank transactions can be declined for a variety of reasons, including:
Insufficient Funds (B104):
Dutchie may require an available balance higher than the specific order amount. Your bank account has insufficient funds to complete the transaction.
Note: If you place your order online with Pay by Bank, a balance check is completed at the time the order is placed and another balance check is completed when the order is picked up/delivered.
The transaction exceeds your daily, weekly, or monthly spending limit (V001-V015):
Pay by Bank has transaction limits in place to assist in fraud prevention and detection. If you receive any of these declines it means that you have too many transaction attempts, failures or declines within the acceptable time frame.
If your Pay by Bank transaction is declined, you will need to provide a different form of payment.
Blocked account, Pay by Bank
Why did you receive an F103 error?
You attempted to use Pay by Bank to make a purchase and you received an error message:
You have an outstanding balance of [$x] from a previous transaction at [dispensary name] placed on [MM/DD/YY]. You can learn more here. F103.
This decline means that your Pay by Bank account is temporarily blocked.
You will receive the error message F091 or F093 if you continue to attempt transactions with Pay by Bank before the original failed transaction has been resolved.
Why has your account been temporarily blocked?
The most common reason for a temporary block is that you did not have sufficient funds in your account when the transaction was charged to the bank.
Note: When you make your purchase, there is an initial approval, but the transaction is not debited from your account until the transaction is charged to the bank, which is as late as the next business day. If you have sufficient funds at the time of purchase, but have insufficient funds when the transaction is charged to the bank this will result in a temporary block.
To prevent a temporary block, you should ensure that sufficient funds are in your account until the transaction has cleared through your bank.
How long will your account be blocked?
Your account is temporarily blocked until Dutchie can successfully retry the original failed transaction.
7-10 days after the return of the transaction is received it enters our transaction retry queue. Only transactions that are returned for insufficient funds are entered into this process. The queue is run every Monday and Friday. After a balance check is completed to ensure funds are available eligible transactions are batched and sent for payment. All successful payments are unblocked 3 business days later around 10am EST.
If Dutchie is not successful in collecting the funds you owe our account will remain blocked and the transaction will re-enter the queue in 7 days.
Dutchie is allowed two retry payments and has 180 days to complete them from the original transaction date, if both fail, your account will be blocked from using Pay by Bank indefinitely.
How to avoid a temporary block and F103 error
Ensure that you have sufficient funds in your bank account to cover your Pay by Bank purchase and that the funds remain in your account until the transaction has cleared through your bank.
What will the retry transaction look like on my bank account?
A successful retry will show as a debit in your bank account. The descriptor varies by bank but should contain ‘Retry Pymt’