Reason Code Glossary

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

Code

Description

Decision

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

Date of Birth Verification

Code

Description

Decision

DOB100 DOB matches ID Positive
DOB101 DOB mismatch ID Neutral
DOB102 DOB verified with PII compliance Positive
DOB103 DOB does not match data source responses Negative
DOB104 DOB unable to be verified Neutral

Address Verification

Code

Description

Decision

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

Address unassociated with the applicant

Negative

Email Verification 

Code

Description

Decision

PE100 Email matches Positive
EE100 Email of a personal address Neutral
EE101 Email of a work address Neutral
EE102 Email of a free address Neutral
PE101

Email of a known domain

Note: A known domain is Gmail, Yahoo, etc. 
Neutral
PE102 Email created more than 180 days ago Neutral
NE100 Email mismatches Negative
NE101 Email autogenerated or disposable Neutral
NE102 Email created less than 180 days ago Neutral
NE103 Email unassociated with the applicant Negative

Phone Verification

Code

Description

Decision

PP100 Phone number matches Positive
EP100 Phone number of mobile Neutral
EP101 Phone number of home Neutral
EP102 Phone number of work Neutral
EP103 Phone results do not meet minimum thresholds  Neutral
PP101

Phone number of a known carrier

Note: A known carrier is AT&T, T-Mobile, etc.
Neutral
PP102 Phone number activated more than 180 days ago  Neutral
NP100

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
Neutral
NP101 Phone number prepaid or commercial Neutral
NP102 Phone number activated less than 180 days ago Neutral
NP103 Phone number name mismatches provided name Negative
NP104 Phone number non-mobile or non-personal  Neutral
NP105 Network status, Name, or Address unavailable Negative
NP106 Phone number unassociated with the applicant Negative
NP107 High risk phone attributes observed Negative

Document Verification 

Code

Description

Decision

AU100

Identification (ID) issue detected

Note: Please recapture a photo of the physical ID for resubmission
Neutral
AU101

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
Neutral
AU102

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
Neutral
AU104 Liveness selfie passed Positive
AU105 Selfie Facial Recognition verification passed Positive
AU106 Liveness selfie did not pass Negative
AU107 Selfie Facial Recognition verification did not pass 

Negative

AU108 Passport document verified Positive
AU109 Driver's license or state-issued identification (ID) document verified Positive
AU110 Identification (ID) document verified Positive
AU111 Identification (ID) verified Positive
AU112 Identification (ID) expired

Negative

AU113 Identification (ID) validated Positive
AU114 ID may be fraudulent, please review other pieces of information Negative
AU115 Document cannot be verified Negative
AU116 Submission Error for document, review required Negative
AU117 Recapture ID response returned, review required Negative
AU118 Unsupported ID response returned, review required Negative
AU119 Document verification failed, review required Negative
AU120 Selfie verified Positive
AU121 Recapture Selfie returned, review required Negative
AU122 Selfie verification failed, review required Negative
AU123 Unable to verify and match selfie image, review required Negative

Know Your Customer Verification (KYC)

Code

Description

Decision

KYC100

KYC Accept

Positive

KYC101

KYC Review

Negative

KYC102

KYC Reject

Negative

KYC103

Required PII for KYC is provided

Positive

KYC104

Required PII for KYC is not fully provided

Negative

KYC105

Required PII for KYC is verified

Positive

KYC106

Required PII for KYC cannot be fully verified

Negative

KYC107

No matches on sanctions, PEP, or adverse media lists

Positive

KYC108

Name match on sanctions lists

Negative

KYC109

Name match on PEP lists

Negative

KYC110

Name match on adverse media lists

Negative

KYC111

Name and YOB match on sanctions lists

Negative

KYC112

Name and YOB match on PEP lists

Negative

KYC113

Name and YOB match on adverse media lists

Negative

KYC114

[FinTrac] Sufficient reliable sources found to verify user

Positive

KYC115

[FinTrac] Insufficient reliable sources found to verify user

Negative

SSN Verification 

Code

Description

Decision

SSN100 SSN verified Positive
SSN101 SSN unverified Negative
SSN102 SSN provided not found Neutral

Fingerprint Verification 

Code

Description

Decision

FP102

Visitor is anonymous

Note: The Incognito browser may be enabled

Neutral

FP103

IP geolocation radius is high and potentially inaccurate

Neutral

Cohort Verification 

Code

Description

Decision

FC101

IP used more than five times in the past 24 hours

Negative

FC102

Name used once in the past 24 hours

Negative

FC103

Name used more than once in the past 24 hours

Negative

FC104

Address used once in the past 24 hours

Negative

FC105 Address used more than once in the past 24 hours

Negative

FC106 Email used once in the past 24 hours

Negative

FC107 Email used more than once in the past 24 hours

Negative

FC108 Phone used once in the past 24 hours

Negative

FC109 Phone used more than once in the past 24 hours

Negative

FC110 Device used more than once in the past 24 hours

Negative

FC111 Device used more than five times in the past 24 hours

Negative

FC112 Transaction ID used more than 2 times in the past 24 hours

Negative

DVC100

Device or network signature detected suggesting non-human automation.

Negative

OTP Verification 

Code

Description

Decision

OT100 Phone number verified via OTP Positive
OT101 Phone number unverified via  OTP Neutral
OT102 Phone number used for OTP does not match the phone number on the form  Neutral

Override Decision

Code

Description

Decision

OD100 Decision overwritten by the user to Accept Neutral
OD101 Decision overwritten by the user to Review Neutral
OD102 Decision overwritten by the user to Reject Neutral

Social Media Verification 

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

Blacklist Verification

Code

Description

Decision

BL100 Applicant matches multiple PII on fraud Blacklist Negative
BL100 Applicant last name, city and zip code matches multiple PII on fraud Blacklist Neutral

Behavioral Verification 

Code

Description

Decision

BEH100

Behavioral biometrics detected suggesting non-human automation.

Negative

Fraud Model Information

Code

Description

Decision

MOD100 Passed fraud models Positive
MOD101 Failed fraud models Negative
MOD102 Passed via custom model Positive
MOD103 Failed via custom model Negative