video1.0<iframe src="https://www.loom.com/embed/63b3ba9f7bef4a9bb5740ff38f768b87" frameborder="0" width="1920" height="1440" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>14401920Loomhttps://www.loom.com14401920https://cdn.loom.com/sessions/thumbnails/63b3ba9f7bef4a9bb5740ff38f768b87-4f5ed6eaa09ccd14.gif297.533333In this video, I break down the most common pay-by-bank transaction decline codes and how to handle them effectively. I explain that a B104 decline indicates insufficient funds, while a B105 means the customer's bank link has expired. I also discuss velocity declines, which are automated fraud checks, and codes F093 or F103 that signify an outstanding balance from a previous visit. It's crucial to remember that payment is finalized only at the register, and if a payment declines, you'll need to cancel the order and rebuild the cart for a new payment method. For any specific transaction inquiries, I encourage you to direct customers to Dutchy support.