Why was a consumer’s transaction declined? - Pay by Bank, powered by Plaid

Notice

If you are a dispensary customer looking for answers to questions about Pay by Bank, please see our consumer help center.

Transactions are declined for a variety of reasons, including:

  • The consumer has insufficient funds in their account (i.e., the total transaction amount is higher than the available balance).
  • The transaction exceeds the consumer’s daily, weekly, or monthly velocity (spending) limit. Learn more details on limits.
  • Their account has been flagged for unusual activity as a fraud prevention measure. 

In the event of a declined transaction, inform the customer their transaction was declined and request another form of payment.

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