Welcome to The Green Room — your one-stop resource for everything Pay by Bank. Whether you're setting up for the first time, troubleshooting a declined payment, or just want to understand how it works, you'll find everything you need right here.
Throughout this guide, Pay by Bank is referred to as PBB.
What is Pay by Bank?
Pay by Bank is Dutchie's cashless payment option that lets you pay directly from your bank account at participating dispensaries — no card, no cash, no ATM required. It works by securely linking your bank account once through Plaid, the same trusted technology used by services like PayPal and Venmo. Once linked, you can use Pay by Bank for online preorders, delivery orders, kiosk orders, mobile app orders, and in-store purchases — wherever your dispensary accepts it.
Many dispensaries are cash-only due to banking restrictions in the cannabis industry. Pay by Bank gives you a safe, digital alternative that works just like paying a bill online. Your full account number is never stored or shared, and you'll never need to handle cash or remember a card again.
|
1Link your bank account
Sign up and securely connect your checking or savings account. Takes about 2 minutes. |
2Place your order
Shop online or in store at any participating dispensary and select Pay by Bank at checkout. |
3Check out fast
Payment is pulled directly from your bank. No card, no cash, no delays at the register. |
★ Why use Pay by Bank?
- Skip the ATM — no cash needed
- Faster checkout than cash or card
- Your loyalty points and dispensary deals still apply
- Bank-level encryption keeps your information safe
- Works for both online preorders and in-store pickup
What you need to get set up
Before you can use Pay by Bank, make sure you have the following ready.
- ✓A checking or savings account at a major bank or credit union
- ✓Your online banking login credentials to securely link your account
- ✓A valid email address to create your Pay by Bank profile
- ✓A participating dispensary — ask your budtender or check checkout to confirm PBB is accepted
Helpful articles & guides
Find answers to common questions or get help with a specific issue. Select an article below to get started.
|
Account Setup
Getting started with Pay by Bank How to sign up, link your bank account, find a participating dispensary, and place your first order in store or online. Learn more → |
Account Maintenance
Managing your Pay by Bank account Update or relink your bank account, understand your email notifications, and close your account if needed. Learn more → |
Troubleshooting
Fixing issues with Pay by Bank Declined transactions, unexpected charges, velocity limits, blocked accounts, and tips to avoid common payment issues. Learn more → |
Frequently asked questions
Is Pay by Bank safe? +
Does Pay by Bank work like a debit card? +
Will my loyalty points still apply? +
How does Pay by Bank compare to writing a check? +
Both Pay by Bank and a paper check are ACH payments — money moves directly from your bank account. The main difference is that Pay by Bank is fully electronic and automatic, while a check is manual. Here's how the steps compare:
| ACH — Pay by Bank | Paper check |
|---|---|
|
Step 1 — Check your balance An automatic balance check runs at checkout, but keeping enough funds in your account is always a good habit. Balance checked automatically |
Step 1 — Check your checkbook balance Review your checkbook register before writing a check to confirm you have enough funds available. Manual balance check |
|
Step 2 — Finalized at the register Your purchase is not complete until your budtender finalizes it at the register. Once confirmed, the debit is on its way — keep those funds in your account as the debit will post within 1–2 business days. Finalized by budtender Keep funds available |
Step 2 — Write and hand over the check Once the check leaves your hands the funds are owed. Record it in your checkbook register immediately so you don't accidentally spend what's already committed. Record it immediately |
|
Step 3 — Sent electronically Your payment travels securely through the banking network — no paper, no mailing required. Secure & automatic |
Step 3 — Mailed and deposited The check is mailed, received, and deposited at the payee's bank. Keep those funds untouched until it clears. Can take 3–7 days |
|
Step 4 — Debit posts to your account Within 1–2 business days the debit will appear in your transaction history. This is your purchase coming through — it is not an error. 1–2 business days Expected — not a mistake |
Step 4 — Check clears your account The amount is deducted and appears on your bank statement within 5 business days. Check it against your register to confirm it matches. Up to 5 business days |
The bottom line: Pay by Bank is faster, more secure, and fully automatic — but just like a check, the money doesn't leave your account instantly. Keep your funds available until the charge posts.
Why was my Pay by Bank payment declined? +
My bank account was unlinked. What do I do? +
Can I use Pay by Bank at any dispensary? +
What if I need to unlink or change my bank account? +
Still need help?
- Browse the articles above for step-by-step guidance on the most common issues.
- If you received a specific error code, visit our Errors & Declines article to find it and get a resolution.
- If you're still stuck, contact Dutchie Support and include your error code (e.g.,
B104) so our team can help you faster.