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Verification codes

Review the codes used by Adyen to provide additional information on the verification checks.

These are verification codes for version 5 of Marketpay Account and Fund API. For our version 4 and earlier verification codes, refer to our v4 verification codes.

Verification codes are sent when we are unable to verify a verification check for an account holder. Each verification check has its own verification codes and they tell you why the verification was not able to be completed.

The descriptions are for you and should not be shared with your account holders as they might communicate information that can be used by malicious third parties. It is better to communicate general failures and request account holders to re-upload their details.

These codes are sent in the notifications as well as being returned in the /getAccountHolder call.

Verification codes from notifications

The verification codes are sent in the ACCOUNT_HOLDER_VERIFICATION notification as summary.kycCheckCode and summary.kycCheckDescription.

When creating or updating a notification with the Notification configuration API, you can set which api version the notification will send events for in configurationsDetails.apiVersion

{
   "configurationDetails":{
      "active":true,
      "apiVersion":5,
   }
}


Here is an example passport verification from the ACCOUNT_HOLDER_VERIFICATION notification:

{
   "eventDate": "2020-11-29T12:00:00+01:00",
   "eventType": "ACCOUNT_HOLDER_VERIFICATION",
   "executingUserKey": "Account Holder Verification",
   "live": true,
   "pspReference": "88154351166602123",
   "content": {
      "accountHolderCode": "5157e767-90f2-4003-ad4c-3ec3fa79e43f",
      "kycCheckStatusData": {
         "type": "PASSPORT_VERIFICATION",
         "status": "INVALID_DATA",
         "summary": {
            "kycCheckCode": 1104,
            "kycCheckDescription": "Document has expired"
         }
      }
   }
}

Verification codes from API

The verification codes can be retrieved from  /getAcountHolder  in verification.accountHolder.checks[] as summary.kycCheckCode and summary.kycCheckDescription.

Here is an example passport verification result from /getAccountHolder:

{
  "pspReference": "8815435116660215",
  "accountHolderCode": "5157e767-90f2-4003-ad4c-3ec3fa79e43f",
  "verification": {
    "accountHolder": {
      "checks": [
         {
           "type": "PASSPORT_VERIFICATION",
           "status": "INVALID_DATA",
           "summary":{
             "kycCheckCode":1104,
             "kycCheckDescription": "Document has expired"
           }
         },
         ...
      ]
    }
    ...
  }
  ...
}

Identity verification

These codes can be returned when verifying the identity check.

code description
1302 This user was not found in the database. Please update your personal details or upload a document
1311 Please provide the identity document of the individual
1312 Unacceptable risks associated with the accountholder
1304 The maximum amount of retries has been surpassed. Please don't retry. Please provide a passport.
1320 The user is being manually reviewed by Adyen's onboarding team
1330 Invalid data

Photo ID verification

These codes can be returned when verifying the photo ID check.

code description
1101 The ID document does not belong to the configured account holder. Please upload a document that does belong to the account holder or change the details of the account. If the document is the correct one, please double check there are no typing errors in the name or date of birth of the account holder.
1102 Not all details on document fully visible
1103 Not a valid/high quality document
1104 Document has expired
1105 Document type not supported in this area
1106 Invalid data provided
1107 The maximum amount of retries has been surpassed. Please don't retry. Document verification is pending.
1108 Not all security features are visible or readable in the image.
1109 Unable to process image; the resolution is too low.
1110 Unable to process image; the image is out of focus.
1111 Unable to process image; the image has too much glare.
1112 Unable to process image; the image is poorly exposed.
1113 Unable to process image; the image color depth is too low.
1114 Unable to process image; the image quality is too poor.
1115 Unable to process image; the file format, language, or document type is not supported.
1116 The image is in black and white; please provide a color image.
1117 Unrecognized document; please provide a supported document type.
1120 Possible fraud hit on account details. The user is being manually reviewed by Adyen's onboarding team
1130 Invalid data
1151 Document does not belong to configured account holder.
1152 Not a valid document.
1153 The document is of insuffient image quality, please upload a clearer image.
1154 Document has expired.
1155 Document is not supported in this area; please upload passport or national ID.
1156 MRZ code is missing / obstructed.
1157 Please provide front and back of the ID.
1158 Last name on the document does not match that of accountholder.
1159 First name on the document does not match that of accountholder.
1160 DOB on the document does not match that of the accountholder.
1161 Document contains sensitive information.

Bank account verification

These codes can be returned when verifying the bank account check.

code description
3101 Owner and/or account number do not match configured details
3102 Owner and/or account number missing from document
3103 Not a valid high quality bank document
3104 Unable to verify bank account with information provided. Please verify that the information provided is correct. If the information is correct, provide a bank statement clearly showing the bank logo, bank account number, and account holder name. This statement must verify that the bank account details are tied to the individual who is being verified.
3105 Bank statement older than 3 months
3106 Not a valid bank statement
3109 The maximum amount of retries has been surpassed, please provide a document.
3110 The maximum amount of retries has been surpassed. Please don't retry. Document verification is pending.
3111 The routing number provided is incorrect. Please provide the correct ABA routing number associated with this account
3112 The account number provided is incorrect. Please provide the correct account number.
3113 This institution is not programmatically covered. Please use a different financial institution or upload a copy of your bank statement.
3114 This institution is not eligible for payouts on MarketPay. Please provide a different bank account.
3120 The user is being manually reviewed by Adyen's onboarding team
8000 There was a technical issue when processing verification checks. A retry has been scheduled.
3130 Invalid data
3151 Bank logo not on statement.
3152 Account number not on statement.
3153 Account owner name not on statement.
3154 Account number on statement does not match account holder entered information.
3155 Bank account does not belong to account holder.
3156 Image quality of statement not sufficient.
3157 Document type not accepted.
3158 Bank logo and account number not on statement.
3159 Bank logo, account number, and account owner name not on statement.
3160 Account number, and account owner name not on statement.
3161 Bank logo and account owner name not on statement.
3162 Bank account country does not match accountholder location.
3163 Document contains sensitive information.

Company verification

These codes can be returned when verifying the company check.

code description
2101 Business registration and/or company name and/or the shareholders appear to be incorrect.
2102 The maximum amount of retries has been surpassed. Please don't retry. Please provide a document
2120 The account is under manual risk evaluation, this evaluation may take longer than the usual approval times.
2130 Invalid data
2151 An individual appears to have on-boarded as a business. Please complete the individual on-boarding flow.
2152 Business entity name could not be verified.
2153 Business registration number could not be verified.
2154 Business VAT number could not be verified.
2155 Could not verify connection between individual listed as shareholder and the legal entity.

See also