Pay by Bank transactions can be declined or your Pay by Bank account may be blocked temporarily for a variety of reasons. This article will help you understand why your transaction was declined, or your account was blocked, and how to resolve the issue.

• Declined Pay by Bank transactions
• Blocked accounts

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. Another balance check is done when the order is picked up or delivered to ensure there are sufficient funds to complete the transaction.

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 the declines associated with these codes, 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

You received a F103 error message when attempting to use Pay by Bank 

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.

• An F103 error means that your Pay by Bank account is temporarily blocked.
• If you continue to attempt transactions with Pay by Bank after receiving an F103 error, you will receive additional error messages: F091 or F093 until the original failed transaction has been resolved.

Why was your Pay by Bank account 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. 

When you make a purchase via Pay by Bank, the funds for the transaction are not debited from your account until the transaction is charged to the bank at the time of batching. This happens the next business day after your transaction at the earliest, and depending on your bank's policies for processing ACH payment requests, could take up to 3 business days.  

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 to your pay by bank account, you must have sufficient funds in your account until the transaction has cleared through your bank. We recommend ensuring funds remain in your account until you see the Pay by Bank transaction in "posted" or "completed" status with your bank.

How long will your Pay by Bank account be blocked for?

Your Pay by Bank account will be temporarily blocked until Dutchie can successfully retry the original failed transaction.

The original failed transaction will enter the transaction retry queue after the return of the transaction is received. Only transactions that are returned for insufficient funds are entered into this process. 

The transaction retry queue runs Monday through Thursday. On those days:

• The system checks your account for sufficient funds.
• If funds are available, the transaction is sent for payment.
• If the payment is successful, your account should be unblocked 3 business days later.

If Dutchie is not successful in collecting the funds you owe, your account will remain blocked and the transaction will re-enter the queue the next business day after the return noticed is received.

Dutchie is allowed 2 retry payments to complete them from the original transaction date. If both retry attempts fail, your account will be blocked from using Pay by Bank indefinitely. 

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'.

How to avoid an F103 error and temporary block to your Pay by Bank account 

Have sufficient funds in your bank account to cover your Pay by Bank purchase, and ensure that the funds remain in your account until the transaction has cleared through your bank.