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: |
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 |
Neutral |
AU102 |
Selfie photo did not pass Note: If the ID selfie photo did not pass, follow the next steps |
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 | IDV model Accept | Positive |
MOD101 | IDV Model Review | Negative |
MOD102 | IDV model Rejct | Negative |
MOD200 | Custom model Accept | Positive |
MOD201 | Custom model Review | Negative |
MOD202 | Custom model Reject | Negative |