Pay by Bank: Consumer Credit Incentive
What it is, how it works, and what to tell customers who ask
Dutchie is running a limited-time credit incentive to encourage eligible consumers to enroll in and use Pay by Bank for the first time online. This program is fully funded by Dutchie and requires no action from your store.
No action needed from your store. Dutchie manages eligibility, funding, and settlement entirely. Your transactions and deposits are not affected.
Program overview
Eligible consumers may see the offer during their online checkout experience. To receive the credit, the consumer must:
- Be in the eligible consumer group
- Enroll in Pay by Bank
- Complete an online purchase using Pay by Bank
The credit is deposited directly into the consumer's linked bank account — it does not appear as a discount in the cart total at checkout. Most consumers receive funds by 5pm the next business day, though bank processing can take up to 3–5 business days to fully clear.
Online only: This incentive applies to online Pay by Bank transactions only. It is not available for in-store purchases.
Who is eligible
Eligible consumers are non–Pay by Bank users selected by Dutchie based on their purchase history at Pay by Bank–enabled locations. Eligibility is determined entirely by Dutchie — your store does not control or configure this.
Not all eligible consumers will see the offer. A portion are assigned to a control group and intentionally not shown the incentive — this is expected behavior, not a bug.
Deposits and settlement
Your store is paid as normal for every transaction. The incentive funds are settled separately by Dutchie and do not impact your merchant settlements in any way.
How to handle common inquiries
A customer is asking why they received a credit — what do I tell them?
Let them know Dutchie offered a limited-time credit for new Pay by Bank users who made their first online purchase with Pay by Bank. The credit is deposited directly into their linked bank account, typically by 5pm the next business day.
A customer hasn't received their credit yet — what should I do?
Most credits arrive by 5pm the next business day. Bank processing can take up to 3–5 business days to fully clear. If it has been more than 5 business days, direct the customer to contact Dutchie support — do not attempt to issue a refund or manual credit.
Does my store need to fund or provide the incentive?
No. The incentive is fully funded by Dutchie. Your deposits are not affected.