Transactions can decline for a variety of reasons. The most common include:

• Insufficient funds — Pay by Bank requires the purchase amount plus a small buffer to be available in your account. Due to variations in the final transaction amount, having a buffer helps ensure your payment goes through.
• Spending limit reached — The transaction may exceed your daily, weekly, or monthly spending limit set by your bank.
• Unusual account activity — Dutchie may have been alerted about unusual activity on your account, causing the transaction to be blocked.

When a transaction cannot be authorized, we recommend using a different payment method and resubmitting your order. Learn more about payment methods.

Velocity limits are fraud-prevention checks that evaluate the speed, frequency, and amount of transactions within a defined time period. They are designed to detect potentially fraudulent behavior and protect you, the dispensary, and Dutchie from financial harm.

You may receive a velocity decline (error codes starting with V0) if your transaction activity triggers one of these checks — even if your transactions are completely legitimate.

What to do if you receive a velocity decline:

• Wait before retrying — velocity limits may reset after a period of time.
• If available, use an alternative payment method to complete your purchase.

For a full list of velocity-related decline codes, visit the Errors & Declines article.

A blocked account (error code F103) means a previous Pay by Bank transaction failed due to insufficient funds when it was debited, and Dutchie has not yet been able to collect that outstanding balance.

Your account will remain temporarily blocked until the original failed transaction is collected. Dutchie will retry up to 2 times over 180 days. To avoid further issues, ensure sufficient funds are available in your account.

If both retry attempts fail, your account will be permanently blocked. Learn more about blocked accounts.

Each error code corresponds to a specific reason your payment was declined or couldn't be processed. Our full errors and declines guide explains every code and the steps you can take to resolve it.

If you see a Pay by Bank charge you don't recognize, start by calling the dispensary you purchased from to confirm the amount of your last transaction.

If the charge shows a line item description of "Retry Payment", this is an attempt to collect payment on a previous transaction where insufficient funds were present at the time of debiting. Funds should remain available in your account for up to 24 hours after your purchase is finalized.

Retries will be attempted up to 2 times over 180 days from the original purchase date. Your Pay by Bank account will have a temporary block in place while funds are being collected. Learn more about temporarily blocked accounts.

There are two common scenarios that can look like a duplicate charge but are actually expected behavior. Before contacting support, review the following:

Pay by Bank batching & processing

Pay by Bank does not withdraw funds immediately or place a hold when an order is placed. However, your bank may issue their own hold for ACH payment requests. Only posted charges function as proof of charge.

Charges typically post within one to two business days — weekends and holidays may delay this. Keep funds available for up to 2 business days or until the charge has posted.

Pay by Bank retry process

Retries happen when Dutchie receives an ACH return due to insufficient funds. A retried payment will include "RETRY PYMT" in the line item description, distinguishing it from the original transaction.

A failure to collect after all retry attempts results in a blocked account. Learn more about ACH returns & retry attempts.

Dutchie requires a unique order ID to complete every Pay by Bank transaction, making a true duplicate charge extremely uncommon. An order cannot be finalized at the POS if a payment request for that order ID has already been sent — the register will error out if this is attempted.

A true duplicate charge would have the exact same amount, date, time, and order ID. If you believe this has occurred, follow the steps below to verify and escalate to support.

Follow these steps to verify a charge before reaching out to support:

1. Review your bank account regularly after any ACH purchase. Keep funds available until the charge posts. If you see "RETRY PYMT" in a line item, check your transaction history to confirm the original payment failed, or contact your bank to ask about any recent returned payments.
2. Check your email — Pay by Bank sends transaction notifications to help bring transparency to the payment process. Learn more about Pay by Bank email notifications.
3. If you've ruled out the above, collect a screenshot of the suspected duplicate charges from your bank statement. Redact all sensitive information — never share full account numbers or private personal information through support channels. Make sure your screenshot captures: transaction date(s), transaction status (pending or posted), transaction line item description(s), and transaction amount(s). Then reach out to Dutchie Support for further assistance.

Our full Errors & Declines article explains every Pay by Bank error code, what caused it, and exactly what steps to take to resolve it — including all B, F, V, and E series codes.

Our Retry Transactions article covers the full retry process in depth — how ACH returns trigger retries, the retry schedule, what "RETRY PYMT" means on your statement, how blocked accounts work, and what happens if all retry attempts fail.

Because Pay by Bank is an ACH payment, funds are not withdrawn at the moment of purchase. To avoid a failed payment or retry:

• Keep the full purchase amount available for at least 24 hours after your purchase.
• If you shop on a Friday or over a weekend, keep funds available through the following Monday or Tuesday, as ACH processing pauses on weekends and holidays.
• Remember that the final charge may differ slightly from the checkout total if discounts, tips, or fees were applied at the register.

Here are a few simple habits to help you stay informed:

• Check your bank app after every purchase and monitor for the charge to move from pending to posted.
• Watch for email notifications — if your dispensary has opted in, Pay by Bank will send you transaction emails. Learn more about Pay by Bank email notifications.
• Know what to look for — "RETRY PYMT" in a line item means a retry is in progress, not a duplicate charge.