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
AV000	Address is verified	Positive
AV001	Address verification indeterminate	Neutral
AV002	Address is not verified	Negative
AV100	Address is valid	Positive
AV101	Address validation indeterminate	Neutral
AV102	Address is not valid	Negative
AV103	Address exists	Positive
AV104	Address does not exist	Negative
AV200	Name linked to address	Positive
AV201	Name-address linkage indeterminate	Neutral
AV202	Name not linked to address	Negative
AV300	Address has no risk signals	Positive
AV301	Address risk signals indeterminate	Neutral
AV302	Address has risk signals	Negative
AV900	Address is active	Positive
AV901	Address is a single-unit residence	Neutral
AV902	Address is a multi-unit building	Neutral

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
PV000	Phone is verified	Positive
PV001	Phone verification indeterminate	Neutral
PV002	Phone is not verified	Negative
PV100	Phone is valid	Positive
PV101	Phone validation indeterminate	Neutral
PV102	Phone is not valid	Negative
PV103	Phone exists	Positive
PV104	Phone does not exist	Negative
PV200	Name linked to phone	Positive
PV201	Name-phone linkage indeterminate	Neutral
PV202	Name not linked to phone	Negative
PV300	Phone has no risk signals	Positive
PV301	Phone risk signals indeterminate	Neutral
PV302	Phone has risk signals	Negative
PV900	Phone is active	Positive
PV901	Phone is mobile	Neutral
PV902	Phone is landline	Neutral
PV903	Phone is VoIP	Negative
PV904	Phone is commercial	Neutral
PV905	Phone is toll-free	Negative
PV906	Phone is prepaid	Neutral

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
AU124	Selfie liveness is inconclusive	Negative
AU125	Unable to determine selfie liveness	Negative
AU126	Invalid selfie is provided	Negative
AU127	Recapture document - image quality insufficient for facial recognition	Negative
AU128	Recapture selfie and document - image quality insufficient	Negative
DOC200	Document is submitted	Neutral
DOC201	Document is not submitted	Neutral
DOC202	Document is processed	Neutral
DOC203	Document is not processed	Neutral
DOC400	Selfie is submitted	Neutral
DOC401	Selfie is not submitted	Neutral
DOC402	Selfie is processed	Neutral
DOC403	Selfie is not processed	Neutral
DOC210	Issue parsing document expiration date	Neutral

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
IDV100	IDV Accept	Positive
IDV101	IDV Review	Negative
IDV102	IDV Reject	Negative
IDV200	Consortium IDV model Accept	Positive
IDV201	Consortium IDV model Review	Negative
IDV202	Consortium IDV model Reject	Negative
MOD100	IDV Model Accept (Deprecated — replaced by IDV200)	Positive
MOD101	IDV Model Review (Deprecated — replaced by IDV201)	Negative
MOD102	IDV Model Reject (Deprecated — replaced by IDV202)	Negative
MOD200	Custom Model Accept	Positive
MOD201	Custom Model Review	Negative
MOD202	Custom Model Reject	Negative

Reason Code Glossary