Dutchie Pay is now Pay by Bank, powered by Plaid!
Dutchie Pay is now called Pay by Bank.
We are in the process of changing the name throughout our documentation. Some articles or screenshots may 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 new name!
Table of contents
- What is a retry?
- Why weren’t funds taken out immediately?
- What happens if I don’t have funds at the time of transactions being batched?
- What happens if the retry fails?
- Can I proactively pay my balance?
- How does a retry show on my bank statement?
What is a retry?
A retry is an attempt to collect funds on a payment for transactions, most commonly unsuccessful due to insufficient funds at time of batching for Pay by Bank.
Why weren’t funds taken out immediately?
When you place an order with Dutchie Ecommerce via Pay by Bank, a balance check on your linked bank account happens at the time the order is placed and again when the order is finalized at the register.
For orders placed in-store with Pay by Bank, a single balance check is completed at the time the order is finalized at the register. This balance check is run to ensure you have sufficient funds (must be more than the order total) but no funds are held at that time. When the transactions are sent to the bank, in what we call a batch, funds will be withdrawn from your account.
With this in mind, we recommend ensuring that those funds are available in your bank account for up to 24 hours after the purchase has been finalized at the register. Ensuring your funds are available will prevent any issues with your bank or with your Pay by Bank account.
What happens if I don’t have funds at the time of transactions being batched?
If funds are not available at the time the transactions “batch”, your transaction will be entered into our retry queue after the return of the transaction is received. Only transactions that are returned for insufficient funds are entered into this process. Balance checks to initiate the retry attempt are completed Monday through Thursday. 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.
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 notice is received.
What happens if the retry fails?
The Pay by Bank account will remain blocked until funds are collected. The payment will be retried up to 2 times after the original transaction date. If all attempts to collect funds fail, the account will be permanently blocked. See more about blocks here.
Can I proactively pay my balance?
At this time, there is no option to proactively pay a due balance for Pay by Bank transactions. Your transaction will be entered into the retry process described above.
How does a retry show on my bank statement?
A retry will show with the line item description of the dispensary name and Retry PYMT.