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 Platforms. 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	Business registration and/or company name and/or the shareholders appear to be incorrect or cannot be verified.
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.
2156	The submitted address does not match the company extract.
2157	The submitted business registration number does not match the company extract.
2158	The submitted legal name does not match the company extract.
2159	The doing business as name is provided as legal name.
2160	The submitted country does not match the company extract.
2161	The address is a PO box.
2162	The company extract does not contain the legal name.
2163	The company extract does not contain the business registration number.
2164	Unrecognized document; please provide a supported document type.
2165	Unable to process image; the image quality is too poor.

See also