Identity Verification
After an Application is submitted, the Application applicationState.status returned will be:
PENDING, IN_REVIEW, DENIED, or APPROVED
| Status | Description |
|---|---|
PENDING | The Application has been received and the system is running automated verifications. |
IN_REVIEW | In some cases, an Application may be flagged for manual review because fraud is suspected or the information provided appears incorrect. An agent is reviewing the Application to determine a decision or if additional information is required from the Account Holder. |
DENIED | The Application has failed one or more policies (e.g. fraudulent application information provided). A Payment Card cannot be issued to this Account Holder. Customer notification of the denial and denial reason may be required. |
APPROVED | The Application has been approved. You may now issue a Payment Card to the Account Holder. |
Document requests are usually made as part of a pre-defined application review workflow. Applications are often flagged for review because additional account holder verification information is needed. This review process confirms a person or business's identity and ensures compliance with Know-Your-Customer (KYC) or Know-Your-Business (KYB) regulations.
Sometimes, however, additional documents are requested outside of this flow, for example, when a business cannot complete its SOS filings in time, or when the application is under manual review.
For these "generic" document requests, see Request for additional documents at the bottom of this page.