Identity Verification Failure Reasons

The list below shows a sample of the most common failure reasons for identity verification.

Government ID Verification Issues

Document Authenticity

• Compromised Submission

• If the ID is reported as fraudulent

• If the ID appears to be a publicly available sample

• If the ID contains sample indicator text

Document Format and Type

• ID Type Issues

• If the ID type isn't allowed based on Payscore's requirements

• If the ID type cannot be collected due to federal compliance requirements

• If the ID type doesn't match what the user selected

• If the ID type couldn't be identified

Document Validity

• Expiration

• If the ID is expired

• If the expiration date is missing

• Fabrication Detection

• If the ID is issued by an unrecognized or invalid government entity

• If the ID doesn't match known in-circulation formats

Geographic Restrictions

• Country Validation

• If no country information could be extracted

• If the ID's country doesn't match the user-selected country

• If the country isn't allowed based on Payscore's requirements

Technical Quality Issues

• Image Quality

• If the ID appears to be monochromatic when it shouldn't be

• If the portrait on the ID is unclear or out of focus

• If the portrait is missing entirely

• Document Completeness

• If the back of the ID is missing

• If the same side was submitted twice for front and back

• If the machine-readable zone (MRZ) is missing or incomplete

Data Integrity

• ID Number Issues

• If the ID number format is invalid

• If the ID number checksum is invalid

• If encoded data in the ID number doesn't match other ID data

• Barcode Issues

• If the barcode can't be decoded

• If the barcode is missing

• If the barcode has invalid formats or missing required fields

• If the barcode has inconsistent issuer information

Tampering Detection

• Digital Manipulation

• If the submission shows signs of image editing

• If there are inconsistencies between the ID and metadata

• Electronic Replica Detection

• If digital icons or text typical of replicas are detected

• If the submission appears to be a photocopy

• If the submission was made from a rooted/hacked device

• If the submission appears to be a screenshot

• If a virtual camera was detected

Selfie Verification Issues

Comparison Issues

• Selfie-to-ID Matching

• If the face in the selfie doesn't match the ID portrait

• If the selfie is missing

• If no face is detected in the selfie

• If the ID portrait is missing

Quality Issues

• Image Quality

• If the face is obscured or covered

• If the face is cropped in the image

• If the face is too far from the camera

• If the selfie is unclear or out of focus

Multiple Faces

• If multiple faces are detected in the selfie

• If different faces appear in different pose submissions

Liveness Detection

• If the selfie appears to be of a device screen rather than a person

• If the submission was made from an emulator

• If the selfie appears to be of a framed image

• If the selfie appears to be from a 2D image

• If the background changes between images

• If the image orientation is incorrect

Pose Requirements

• If required poses are missing or incorrect

• If poses are submitted in the wrong order

• If poses are repeated incorrectly

SSN Verification Issues

• If there's an error accessing the eCBSV database

• If the name and SSN don't sufficiently match records

• If the person's age is invalid for eCBSV verification

• If the SSN belongs to a deceased person

Data Matching Issues

• Attribute Comparison

• If ID properties don't match provided applicant information

• If required attributes (name, birthdate) are missing

• If attributes contain unsupported language characters

• If first and last names appear to be swapped