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	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

Reason Code Glossary