Reason Code Glossary

Overview

Reason codes explain the reason behind the Instnt Accept’s decision of “Accept,” “Reject,” or “Review” status of an end-user sign-up. All the information collected when a user submits a sign-up form is checked against Personally Identifiable Information (PII) and other data collected from various vendors in different scenarios.

The tables below list the reason codes and 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 (DOB) Verification 

Reason Code

Decision

Type

Description

DOB100 Positive Informational DOB matches ID
DOB102 Positive Informational DOB verified with PII compliance
DOB104 Neutral Informational DOB mismatch PII compliance
DOB101 Neutral Risk DOB mismatch ID
DOB103 Negative Risk DOB unverified with PII compliance

 

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 
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
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 Negative 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

 

Document Verification 

Reason Code

Decision

Type

Description

AU106 Negative Risk Liveness selfie 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
AU113 Positive Informational Identification (ID) validated
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
NAU100 Neutral Risk Identification (ID) did not pass 
NAU101 Neutral Risk Selfie verification did not pass
PAU100 Neutral Informational Identification (ID) verification passed
PAU101 Neutral Informational Selfie verification passed
EAU100 Neutral Informational Identification (ID) photo retake needed 
EAU101 Neutral Informational Selfie photo retake needed 
AU107

Negative

Risk Selfie Facial Recognition verification did not pass 
AU112

Negative

Risk Identification (ID) expired

 

Know Your Customer (KYC) Verification 

Reason Code

Decision

Type

Description

CA100 Positive Informational

Date of birth does not match provided DOB; name found on KYC watchlist,

KYC accepted

CA104 Positive Informational No hits on KYC watchlists, KYC pass
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
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
CA102 Negative Risk

Date of birth matches provided DOB; name found on a sanction KYC watchlist, KYC reject

 

SSN Verification 

Reason Code

Decision

Type

Description

SSN100 Positive Informational SSN verified
SSN101 Neutral Informational SSN provided not found
SSN101 Negative Risk SSN unverified

 

Fingerprint Verification 

Reason Code

Decision

Type

Description

FP100

Neutral

Risk

Visitor is a bot

FP101

Neutral

Risk

Visitor is possibly a bot

FP102

Neutral

Risk

Visitor is anonymous

Note: The Incognito browser may be enabled

FP103

Neutral

Informational 

IP geolocation radius is accurate

 

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

 

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 

 

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