Zynk
Getting StartedProduct Guides
API ReferenceFAQ'sRecipes
Getting StartedProduct Guides
API ReferenceFAQ'sRecipes
  1. Customers & Identity
  • Transformer - Cross Border Transfer
    • Overview
    • Customers & Identity
      • Entities/Customers
      • About KYC/KYB
      • RFI Scenarios for Customers
      • Identity Rejection Reasons
    • Accounts & Wallets
      • Fetch Requirements for External Accounts V2
      • External Accounts V2
      • Funding Accounts
      • About Plaid Integration
    • Transfers
      • Counterparty Risk details
      • Addition transfer requirements
      • Transfer in Action
      • Limits and Minimums
      • Fee details
    • Miscellaneous
      • Bank Codes
      • Supported chains and currencies
      • Partner payments signature generation
      • Reserves requirements
      • Partner Payments
      • Status updates - Webhooks
  • Transporter - Automated Liquidity Manager
    • Overview
    • Visibility Protocol
    • Instant liquidity process - How it works
    • Status updates - Webhooks
  • Teleport - Pay-In Accounts
    • Overview
    • About Teleport routes
  • Warp - Pay-Outs
    • Overview
  • Continuum - Wallet Infrastructure
    • Overview
    • Authentication
    • Continuum APIs
    • Transactions on Continuum
    • Details on generating signatures
  1. Customers & Identity

Identity Rejection Reasons

USD
AED
The KYC process may also includes,
Database Verification (validates PII against voter, telco, utility or credit databases)
AML Screening, including
PEP / HIO report
Watchlist / Sanctions report
Adverse Media Report
The following failures will cause the customer to be rejected. The same will be passed to partners in the webhook updates.

KYC Return Codes#

Return Codes causing an account to be Rejected#

ErrorWhen this error could occur
id_mrz_check_failureFailure due to an issue verifying the provided ID based on the machine-readable zone (MRZ)
id_presence_check_failureFailure due to an issue verifying the provided ID based on the presence of the ID.
id_digital_replica_check_failureFailure due to an issue verifying the provided ID based on it being a digital replica.
id_paper_replica_check_failureFailure due to an issue verifying the provided ID based on it being a paper replica.
prohibited_person_check_failureFailure due to a person being prohibited from accessing the service.
selfie_failureFailure due to an issue verifying the provided selfie photo.
selfie_pose_check_failureFailure due to an issue verifying the provided selfie photo based on incorrect poses.
selfie_quality_check_failureFailure due to an issue verifying the provided selfie photo based on the image quality.
compliance_rejectionFailure due to compliance rejecting the identity verification.

Return Codes causing an account to stay Unverified#

ErrorWhen this error could occur
id_check_failureFailure due to an issue verifying the provided ID.
id_quality_check_failureFailure due to an issue verifying the provided ID based on the image quality.
id_expiration_check_failureFailure due to an issue verifying the provided ID based on the expiration date.
id_double_side_check_failureFailure due to an issue verifying the provided ID based on both sides not being provided.
id_type_allowed_check_failureFailure due to an issue verifying the provided ID based on the type provided.
id_country_allowed_check_failureFailure due to an issue verifying the provided ID based on the issuing country.
phone_number_check_failureFailure due to an issue verifying the phone number of the person.
email_address_check_failureFailure due to an issue verifying the email address of the person.
document_type_check_failureFailure due to the type of document provided not being the correct type.
document_quality_check_failureFailure due to an issue verifying the document based on the image quality.
Note: The following Government ID, Database, and AML Report failures trigger a manual compliance review. The compliance team determines whether to approve or reject the customer KYC.

Return Codes causing Review#

ErrorWhen this error could occur
database_check_failureA match for the customer's name, address, date of birth, or SSN cannot be found in any of the government databases. Databases searched include Telco, Credit, Voter and Utility database.
id_barcode_check_failureFailure due to an issue verifying the provided ID based on the barcode.
id_number_check_failureFailure due to an issue verifying an identification number of the person.
duplicate_person_check_failureFailure due to a customer already existing for this person.
country_comparison_check_failureFailure due to the customer verification being performed out of country.
name_check_failureFailure due to an issue verifying the name of the person.
address_check_failureFailure due to an issue verifying the address of the person.
dob_check_failureFailure due to an issue verifying the date of birth of the person.
review_requiredThe verification is inconclusive and requires a manual review.
pep_check_failureIf the individual is a known Politically Exposed Person (PEP) they may show up on this AML report.
media_check_failureIf the individual shows up on Adverse Media they may show up on this AML report.
watchlist_check_failureIf the individual is on a known government or international watchlist or sanctions list, they may show up on this report.
|
Additional documents such as Bank Statement from last 90 days and Utility or Telephone Bill can be requested if an issue occurs with validating the Date of Birth (DoB) or address.
Modified at 2026-03-31 15:21:12
Previous
RFI Scenarios for Customers
Next
Fetch Requirements for External Accounts V2
Built with