Reason codes are used to explain the outcome of the Instnt Accept's decision of "Accept," "Reject," or "Review" status for end-user sign-ups. When a user submits a sign-up form, Instnt collects all the information and cross-checks it against Personally Identifiable Information (PII) and other data obtained from various vendors in different scenarios. The tables below present a detailed list of reason codes and their descriptions for various scenarios and verifications.

Name Verification

Reason Code	Decision	Type	Description
PN100	Positive	Informational	Last Name matches
PN101	Positive	Informational	Name matches
PN102	Neutral	Informational	Name of a person
EN100	Neutral	Informational	Age under 30 years
EN101	Neutral	Informational	Age over 30 years
EN102	Neutral	Informational	Name response matches more than one
EN103	Neutral	Informational	Last name may have changed in the past
NN100	Negative	Risk	Last Name mismatches
NN101	Negative	Risk	Name mismatches
NN102	Neutral	Informational	Name of a company and not a person
NN103	Negative	Risk	Name of an applicant unassociated with any information provided

Date of Birth Verification

Reason Code	Decision	Type	Description
DOB100	Positive	Informational	DOB matches ID
DOB101	Neutral	Risk	DOB mismatch ID
DOB102	Positive	Informational	DOB verified with PII compliance
DOB103	Negative	Risk	DOB does not match data source responses
DOB104	Neutral	Informational	DOB unable to be verified

Address Verification

Reason Code	Decision	Type	Description
GE100	Positive	Informational	Address matches
GE101	Positive	Informational	Address matches location within 10 miles radius
PA102	Positive	Informational	Address verified
PA103	Positive	Informational	City matches
EA100	Neutral	Informational	Address of a multi-unit
EA101	Neutral	Informational	Address of a single unit
EA102	Neutral	Informational	Address of a company
EA103	Neutral	Risk	Address results do not meet minimum thresholds
GE102	Neutral	Informational	Address matches location within 50 miles radius
PA100	Neutral	Informational	Address is active
PA101	Neutral	Informational	Address history exists for more than 180 days
MA100	Neutral	Informational	Address not entered in the form
NA100	Neutral	Risk	Address of a PO Box
NA101	Neutral	Risk	Address history exists for less than 180 days
NA102	Negative	Risk	Address unverifiable
NA103	Negative	Risk	City mismatches
NA104	Negative	Risk	Address unassociated with the applicant

Email Verification

Reason Code	Decision	Type	Description
PE100	Positive	Informational	Email matches
EE100	Neutral	Informational	Email of a personal address
EE101	Neutral	Informational	Email of a work address
EE102	Neutral	Informational	Email of a free address
PE101	Neutral	Informational	Email of a known domain Note: A known domain is Gmail, Yahoo, etc.
PE102	Neutral	Informational	Email created more than 180 days ago
NE100	Negative	Risk	Email mismatches
NE101	Neutral	Risk	Email autogenerated or disposable
NE102	Neutral	Risk	Email created less than 180 days ago
NE103	Negative	Risk	Email unassociated with the applicant

Phone Verification

Reason Code	Decision	Type	Description
PP100	Positive	Informational	Phone number matches
EP100	Neutral	Informational	Phone number of mobile
EP101	Neutral	Informational	Phone number of home
EP102	Neutral	Informational	Phone number of work
EP103	Neutral	Risk	Phone results do not meet minimum thresholds
PP101	Neutral	Informational	Phone number of a known carrier Note: A known carrier is AT&T, T-Mobile, etc.
PP102	Neutral	Informational	Phone number activated more than 180 days ago
NP100	Neutral	Risk	Phone number of a fixed or non-fixed VoIP Note: • Fixed VoIP means a physical address required to activate • Non-fixed VoIP means no physical address required to activate
NP101	Neutral	Risk	Phone number prepaid or commercial
NP102	Neutral	Risk	Phone number activated less than 180 days ago
NP103	Negative	Risk	Phone number name mismatches provided name
NP104	Neutral	Risk	Phone number non-mobile or non-personal
NP105	Negative	Risk	Network status, Name, or Address unavailable
NP106	Negative	Risk	Phone number unassociated with the applicant
NP107	Negative	Risk	High risk phone attributes observed

Document Verification

Reason Code	Decision	Type	Description
AU100	Neutral	Failed or Recapture Reasons	Identification (ID) issue detected Note: Please recapture a photo of the physical ID for resubmission
AU101	Neutral	Failed or Recapture Reasons	Information provided unreadable Note: If the ID check did not pass, please follow these steps 1. Take the ID photo in an area with no dark background 2. Take the ID photo directly above the ID 3. Make sure: • All four edges of the ID are visible within the photo • All information on the ID is clear with no blur or shadow
AU102	Neutral	Failed or Recapture Reasons	Selfie photo did not pass Note: If the ID selfie photo did not pass, follow the next steps 1. Take the selfie photo in an area with good lighting 2. Take the selfie photo directly facing the camera within the frame of the face and shoulders 3. Make sure you: • Do not wear sunglasses or anything that obscures your face • Do not upload a crop of your selfie from a group photo • Ensure no sensitive information is in the background
AU104	Positive	Informational	Liveness selfie passed
AU105	Positive	Informational	Selfie Facial Recognition verification passed
AU106	Negative	Risk	Liveness selfie did not pass
AU107	Negative	Risk	Selfie Facial Recognition verification did not pass
AU108	Positive	Risk	Passport document verified
AU109	Positive	Informational	Driver's license or state-issued identification (ID) document verified
AU110	Positive	Informational	Identification (ID) document verified
AU111	Positive	Risk	Identification (ID) verified
AU112	Negative	Risk	Identification (ID) expired
AU113	Positive	Informational	Identification (ID) validated
AU114	Negative	Informational	ID may be fraudulent, please review other pieces of information
AU115	Negative	Risk	Document cannot be verified
AU116	Negative	Informational	Submission Error for document, review required
AU117	Negative	Informational	Recapture ID response returned, review required
AU118	Negative	Informational	Unsupported ID response returned, review required
AU119	Negative	Informational	Document verification failed, review required
AU120	Positive	Informational	Selfie verified
AU121	Negative	Informational	Recapture Selfie returned, review required
AU122	Negative	Informational	Selfie verification failed, review required
AU123	Negative	Informational	Unable to verify and match selfie image, review required

Know Your Customer Verification (KYC)

Reason Code	Decision	Type	Description
CA100	Negative	Informational	Date of birth does not match provided DOB; name found on KYC watchlist, KYC accepted
CA101	Negative	Informational	Date of birth not provided; name found on KYC watchlist, KYC review Note: Please review the KYC tab on the transaction dashboard
CA102	Negative	Risk	Date of birth matches provided DOB; name found on a sanction KYC watchlist, KYC reject
CA103	Negative	Informational	Date of birth matches provided DOB; name found on a non-sanction KYC watchlist, KYC review Note: Review the KYC tab on the transaction dashboard
CA104	Positive	Informational	No hits on KYC watchlists, KYC pass

SSN Verification

Reason Code	Decision	Type	Description
SSN100	Positive	Informational	SSN verified
SSN101	Negative	Risk	SSN unverified
SSN102	Neutral	Informational	SSN provided not found

Fingerprint Verification

Reason Code

Decision

Type

Description

FP102

Neutral

Risk

Visitor is anonymous

Note: The Incognito browser may be enabled

FP103

Neutral

Informational

IP geolocation radius is high and potentially inaccurate

Cohort Verification

Reason Code	Decision	Type	Description
FC101	Negative	Risk	IP used more than five times in the past 24 hours
FC102	Negative	Risk	Name used once in the past 24 hours
FC103	Negative	Risk	Name used more than once in the past 24 hours
FC104	Negative	Risk	Address used once in the past 24 hours
FC105	Negative	Risk	Address used more than once in the past 24 hours
FC106	Negative	Risk	Email used once in the past 24 hours
FC107	Negative	Risk	Email used more than once in the past 24 hours
FC108	Negative	Risk	Phone used once in the past 24 hours
FC109	Negative	Risk	Phone used more than once in the past 24 hours
FC110	Negative	Risk	Device used more than once in the past 24 hours
FC111	Negative	Risk	Device used more than five times in the past 24 hours
FC112	Negative	Risk	Transaction ID used more than 2 times in the past 24 hours
DVC100	Negative	Risk	Device or network signature detected suggesting non-human automation.

OTP Verification

Reason Code	Decision	Type	Description
OT100	Positive	Informational	Phone number verified via OTP
OT101	Neutral	Informational	Phone number unverified via OTP
OT102	Neutral	Informational	Phone number used for OTP does not match the phone number on the form

Override Decision

Reason Code	Decision	Type	Description
OD100	Neutral	Informational	Decision overwritten by the user to Accept
OD101	Neutral	Informational	Decision overwritten by the user to Review
OD102	Neutral	Informational	Decision overwritten by the user to Reject

Social Media Verification

Reason Code	Decision	Type	Description
PSM100	Neutral	Informational	Social media age threshold passed
ESM100	Neutral	Informational	Social media present but check not passed
ESM101	Neutral	Informational	Social media age threshold and check not passed
ESM102	Neutral	Informational	Social media details unavailable

Blacklist Verification

Reason Code	Decision	Type	Description
BL100	Negative	Risk	Applicant matches multiple PII on fraud Blacklist
BL100	Neutral	Informational	Applicant last name, city and zip code matches multiple PII on fraud Blacklist

Behavioral Verification

Reason Code	Decision	Type	Description
BEH100	Negative	Risk	Behavioral biometrics detected suggesting non-human automation.

Fraud Model Information

Reason Code	Decision	Type	Description
MOD100	Positive	Informational	Passed fraud models
MOD101	Negative	Risk	Failed fraud models
MOD102	Positive	Informational	Passed via custom model
MOD103	Negative	Risk	Failed via custom model

Reason Code Glossary