This article covers every decline and error message you may see when paying with Pay by Bank. Each section explains what the error means and what you can do to resolve it — so you can get back to checking out as quickly as possible.
If you see an error code on screen, find it below to understand what happened and how to fix it.
In This Article
Section 1
Insufficient Funds
Your bank account does not have enough available funds to cover the transaction.
B104
Your bank account has insufficient funds to complete this transaction.
When you place an order, Pay by Bank checks your available balance. Your balance must be greater than the order total for the transaction to go through — an exact match is not sufficient, as your bank needs a small buffer above the purchase amount.
What to do
- Add funds to your linked bank account and try again, or
- Use a different payment method to complete your purchase.
B106
Unable to check bank account balance. Please try again.
Pay by Bank was unable to retrieve your current balance from your bank. This is usually a temporary issue.
What to do
- Wait a moment and try your transaction again.
- If the issue continues, choose a different payment method.
Section 2
Account Status Issues
Your Pay by Bank account or linked bank account requires attention before you can complete a transaction.
B105
Your bank account is unlinked.
Your bank account has become unlinked from Pay by Bank. Some banks do this automatically as a security measure.
What to do
- Go to your Pay by Bank account settings.
- Find your listed bank account and tap Relink.
- Once relinked, retry your transaction.
F091 F093 F095 F096 F103
Your account is temporarily suspended due to an outstanding balance.
A previous Pay by Bank transaction was returned — similar to a bounced check — leaving an outstanding balance on your account. Pay by Bank will be unavailable until this is resolved.
What to do
- Use an alternative payment method for your current purchase.
- Your Pay by Bank access may be reinstated automatically once the outstanding balance is cleared.
- If you have questions about your account status, contact Dutchie Support.
F092
Your Pay by Bank account has been temporarily placed on hold.
Your account has been temporarily placed on hold due to a number of recent transaction attempts. This is a precautionary measure and is not a permanent restriction.
What to do
- Use an alternative payment method for now.
- Try Pay by Bank again later — the hold is temporary.
- If the issue persists, contact Dutchie Support.
F094 F101
Your Pay by Bank account is deactivated.
Your Pay by Bank account is no longer active. This can happen due to account review findings.
What to do
- Use a different payment method.
- If you believe this is a mistake, contact Dutchie Support.
F090 F098 F099 F106
Your Pay by Bank transaction has been declined.
This transaction could not be completed at this time. Pay by Bank uses automated checks to help keep transactions secure, and occasionally a transaction may not pass these checks.
What to do
- Try again later or with a lower order total, or
- Use an alternative payment method.
- If this keeps happening, contact Dutchie Support.
F104 F105
Pay by Bank is not available at this location.
Pay by Bank is currently unavailable at the dispensary you are shopping with.
What to do
- Use an alternative payment method to complete your purchase.
Section 3
Bank Not Supported
The financial institution or account type you have linked cannot be used with Pay by Bank.
F102 E001
The linked financial institution is not supported.
Pay by Bank works with most traditional checking and savings accounts at major banks and credit unions. Some financial institutions — including prepaid accounts, neo-banks, and certain online-only banks — are not currently supported.
What to do
- Link a standard checking or savings account at a major bank or credit union, or
- Select an alternative payment method.
E002
Only checking or savings accounts can be used with Pay by Bank.
The account you linked is not a checking or savings account. Money market, investment, and other account types are not supported.
What to do
- Link a checking or savings account and try again.
E003
The currency of this account is not supported.
Pay by Bank supports accounts in USD and CAD only. The account you linked uses a different currency.
What to do
- Link a bank account that uses USD or CAD and try again.
Section 4
Transaction Attempt Limits
Pay by Bank limits the number of transaction attempts that can be made within a given period to keep accounts secure.
ℹ Why does this happen?
These limits are a normal part of how Pay by Bank works and apply to all accounts. They are not a reflection of anything you have done wrong. Waiting a little while and trying again — or using an alternative payment method — will always get you through checkout.
V001 V002 V003 V007
You have exceeded the allowed number of Pay by Bank transaction attempts.
Your account has reached its limit for Pay by Bank transaction attempts. This resets automatically after a period of time.
What to do
- Use an alternative payment method to complete your purchase, or
- Try Pay by Bank again later once the limit has reset.
V018 V019 V020 V024 V027
This Pay by Bank account has exceeded the allowed number of transaction attempts.
The bank account linked to Pay by Bank has reached its transaction attempt limit. This resets automatically after a period of time.
What to do
- Use an alternative payment method to complete your purchase, or
- Try Pay by Bank again later once the limit has reset.
V011 V012 V013 V014 V015
This transaction has exceeded the allowed number of Pay by Bank attempts.
This specific transaction has been attempted too many times. Please wait before trying again or use an alternative payment method.
What to do
- Use an alternative payment method, or
- Try again later once the limit has reset.
Section 5
Spending & Amount Limits
Pay by Bank has spending and transaction amount limits in place to keep your account secure.
ℹ Why are there spending limits?
Spending limits are a standard feature of Pay by Bank and apply to all accounts. They reset automatically and are not a sign that anything is wrong with your account.
V004 V005 V006 V008
You have exceeded the allowed Pay by Bank spending limit.
Your Pay by Bank account has reached its spending limit for the current period. This resets automatically.
What to do
- Use an alternative payment method, or
- Try Pay by Bank again later once the limit has reset.
V021 V022 V023 V025
Your linked bank account has exceeded the allowed Pay by Bank spending limit.
The bank account linked to Pay by Bank has reached its spending limit for the current period. This resets automatically.
What to do
- Use an alternative payment method, or
- Try Pay by Bank again later once the limit has reset.
B100 V010 V026
Order total exceeds the Pay by Bank limit.
The total for this order is above the maximum allowed for a single Pay by Bank transaction.
What to do
- Reduce your order total and try again, or
- Use an alternative payment method.
V016 V017
Your order total exceeds the Pay by Bank limit for this location.
The order total is above the Pay by Bank limit available at this dispensary. Transaction limits can vary by location.
What to do
- Lower your order total and try again, or
- Use an alternative payment method.
Section 6
Service & System Errors
Pay by Bank encountered a temporary technical issue. These errors are not related to your account.
S002 S003 S010
Pay by Bank is temporarily unavailable.
Pay by Bank is experiencing a temporary service issue. This is on our end and is not related to your account or bank.
What to do
- Wait a few minutes and try again.
- If the error continues, use an alternative payment method to complete your purchase.
Y999
Pay by Bank is experiencing an error. Please try again.
An unexpected error occurred. This is a temporary issue and is not related to your account or bank.
What to do
- Try your transaction again.
- If it continues to fail, use an alternative payment method.
- If you have a pending order you need to cancel, contact Dutchie Support.
Section 7
Incentive Errors
An issue occurred when applying a Pay by Bank incentive or discount to your order.
I001
You are not eligible for this incentive.
The Pay by Bank incentive cannot be applied to your account at this time. This may be because the promotion has ended or is no longer available for your account.
What to do
- Remove the incentive and proceed with your payment.
I002 I999
This incentive is not available at this location.
The Pay by Bank incentive is not currently available at this dispensary, or there was an issue processing it.
What to do
- Remove the incentive and proceed with your payment.
- If you believe this is an error, contact Dutchie Support.
Section 8
Account Linking Errors
Issues encountered when setting up or linking your bank account to Pay by Bank.
E004
This bank account is already linked to the maximum number of Pay by Bank accounts.
A single bank account can be linked to a maximum of two Pay by Bank profiles. The account you are trying to link has already reached this limit.
What to do
- Link a different bank account to your Pay by Bank profile.
Still need help? If none of the steps above resolve your issue, contact Dutchie Support. When reaching out, have your error code ready (e.g., B104) — it helps our team assist you faster.