Pay by Bank: Declines & Errors

The table below will define error or decline messaging as it displays to your budtender on the POS. Please refer to this table for a holistic list of all declines and errors for Pay by Bank. 

Common Errors & Declines

Code

Budtender Message

Explanation & Next Steps

B104

 Insufficient funds. User must add funds to account or use alternative payment method B104

Standard insufficient funds decline. Note: Pay by Bank requires an available balance greater than the specific order amount. When a customer attempts to place an order, we complete a balance check on the bank account they have linked. The balance check is done at the time of order placement and at the time of finalization by the budtender on the POS. 

Budtender Action: 

  • Reduce the cart total by removing items and try again 
  • OR advise the customer they can update their linked bank account to an account that has sufficient funds for the order
  • OR take an alternative form of payment for this order.

B105

 User must click relink button next to their listed PaybyBank bank account & try again B105

Customer's bank account tied to Pay By Bank has been automatically unlinked due to a security measure some banks may have in place.

Budtender Action: Advise the customer to follow steps here to relink the bank account to their Pay by Bank profile. 

F093

 PaybyBank account suspended due to returned transaction. Use another payment method F093

This user is temporarily blocked from using Pay by Bank due to a returned transaction. Learn more about retries and Pay by Bank here.

Budtender Action: Request an alternative payment method for this transaction and share this resource with the customer to educate them on the Pay by Bank retry process.  

F103

 Account on hold from prior return in retry queue. Use another payment method F103

This user is temporarily blocked from using Pay by Bank due to a returned transaction. Learn more about retries and Pay by Bank here.

Budtender Action: Request an alternative payment method for this transaction and share this resource with the customer to educate them on the Pay by Bank retry process. 

F091

 PaybyBank account suspended due to returned transaction. Use another payment method F091

This user is temporarily blocked from using Pay by Bank due to a returned transaction. Learn more about retries and Pay by Bank here.

Budtender Action: Request an alternative payment method for this transaction and share this resource with the customer to educate them on the Pay by Bank retry process.  

F090 F106

 PaybyBank transaction is declined. Request another payment method or try again later

The payment couldn’t be approved due to a security check. Dutchie's Pay by Bank has many measures in place to prevent fraud that protect the dispensary, the customer and Dutchie as a whole. Learn more about fraud prevention here. 

Budtender Action: 

  • Advise the customer they can try again on a different date and collect an alternative form of payment for the order

 

 

Velocity Declines

A velocity payment decline occurs when a transaction is blocked because too many attempted purchases, purchases or too much spending has happened within a set time period, triggering fraud-prevention limits. This can be at the transaction, customer or bank account level. Learn more about velocity declines and limits here.

Code

Budtender Message

Explanation & Next Steps

V001

V002

V003

V007

 PaybyBank customer exceeds [time frame] attempt limit. Request alternative payment method

Too many transactions or attempts for the customer in a given period. 

Budtender Action:

  • Request alternative payment to complete the transaction. 
  • Advise the customer that they can attempt to use Pay by Bank at a later date

V004 

V005 

V006 

V008

 Customer has reached [time frame] PaybyBank spending limit. Request another payment method 

Spend limit within a given time period for the customer has been reached. 

Budtender Action:

  • Request alternative payment to complete the transaction. 
  • Advise the customer that they can attempt to use Pay by Bank at a later date.

V011 

V012 

V013 

V014 

V015

 PaybyBank transaction exceeds [time frame] attempt limit. Request another payment method 

The attempted transaction has exceeded transaction or attempt limit. 

Budtender Action:

  • Request alternative payment to complete the transaction. 
  • Advise the customer that they can attempt to use Pay by Bank at a later date

V010

V026 

 Order total exceeds the Pay by Bank limit, please try again with a lower order total. 

The attempted transaction exceeds the total dollar amount allowed per transaction. Learn more about velocity declines and limits here.

Budtender Action: Reduce the cart total by removing items and try again.

V018 

V019

V020

V024 

V027

 This Pay by Bank account has exceeded the allowed number of attempted transactions within [time frame]. Ask customer for alternative form of payment. 

Too many transactions or attempts for the linked bank account in a given period. Learn more about velocity declines and limits here. 

Budtender Action:

  • Request alternative payment to complete the transaction. 
  • Advise the customer that they can attempt to use Pay by Bank again at a later date.

V016

V017

V021

V022

V023

V025 

 This Pay by Bank account has exceeded the allowed [time frame] spending limit. Ask customer for alternative form of payment. 

Spend limit within a given time period for the linked bank account has been reached. Learn more about velocity declines and limits here.

Budtender Action:

  • Request alternative payment to complete the transaction. 
  • Advise the customer that they can attempt to use Pay by Bank again at a later date.

 

Additional Errors & Declines

Code

Budtender Message

Explanation & Next Steps

B100

 Order total exceeds the Pay by Bank limit, please try again with a lower order total. B100

Customer's order total exceeds a predetermined threshold set by our Risk Team. 

Budtender Action: Reduce the cart total by removing items and try again.

B106

 Unable to check bank account balance. Please try again. B106.

Dutchie was not able to receive the bank account's balance from the aggregator in a timely manner. 

Budtender Action: Wait for 30 seconds, then run the transaction again. If issue persists, take an alternative form of payment. 

E001

 Customer Only Messaging: Not visible to Budtender as error occurs at order placement

This financial institution is not eligible for Pay by Bank use, and the customer must use a different payment method. 

Budtender Action: None, customer should take steps on their Pay by Bank profile to link a supported bank account.

E002

 Customer Only Messaging: Not visible to Budtender as error occurs at order placement

The customer's linked bank account is not a supported account types (checking or savings only for use with Pay by Bank).

Budtender Action: None, customer should take steps on their Pay by Bank profile to link a supported bank account.

E003

 Customer Only Messaging: Not visible to Budtender as error occurs at order placement

The customer's linked bank account doesn’t have any supported currencies (must be in USD or CAD).

Budtender Action: None, customer should take steps on their Pay by Bank profile to link a supported bank account.

E004

 Customer Only Messaging: Not visible to Budtender as error occurs at order placement

Dutchie Pay by Bank permits up to two profiles to connect to a single bank account. An attempt to link an additional user to the bank account will result in this error. 

Budtender Action: None, this is an expected customer decline message to prevent fraudulent activity. 

F102

 The linked financial institution is not supported. Please have the customer link a different bank account to Pay by Bank or select alternative payment method and retry. F102

This financial institution is not eligible for Pay by Bank use, and the customer must use a different payment method. 

Budtender Action: Request an alternative form of payment. And ask customer to take steps on their Pay by Bank profile to link a supported bank account.

S002

 Error: Pay by Bank is unavailable. Ask customer for an alternative payment method. S002

A general Pay by Bank decline message when our attempt to run a fraud check was unsuccessful due to various reasons. 

Budtender Action: Request an alternative form of payment. 

S003

 Error: Pay by Bank is unavailable. Ask customer for an alternative payment method. S003

The Dutchie Payment Service may be down.

Budtender Action:

  • Request an alternative form of payment for this transaction. 
  • For additional insight, you may confirm Pay by Bank and payments service status here. 

S010

 Error: Pay by Bank is unavailable. Ask customer for an alternative payment method. S010

Dutchie Pay by Bank service is disabled. Contact support for additional details. 

Budtender Action:

  • Request an alternative form of payment for this transaction. 

Y999

 Pay by Bank is experiencing an error. Please try again. If the issue persists, complete the transaction with an alternative form of payment. Y999

A general error code for Pay by Bank. 

Budtender Action: Try again or complete transaction with an alternative form of payment.

Y999

 Your Pay by Bank account is deactivated, please use an alternative payment method. Y999

The customer is not eligible for Pay by Bank use.

Budtender Action: 

  • Request an alternative form of payment for this transaction. 
  • Advise the customer to contact Dutchie support for additional insight. 

 

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