Identity Verification

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Note
The Identity Verification report is available only for Instant Bank Transfer.

The Identity Verification report contains details about consumer verifications completed using verification tokens to identify and link consumers with their bank accounts. This report can be used to locate a specific verification or to examine current verification activity over a period of time.

To view the Identity Verification report, go to Transactions > Identity Verification.

Instant Bank Transfer Identity Verification Report

The report can be filtered by Date Range, Merchant Name, Verification Status, Notification Status, Verification Channel, Product, Verification Token, Merchant Txn ID, Merchant Error Code, or Bank to view specific details.

The Identity Verification report contains the following information.

Column	Contents
Date & Time (ET)	The date and time that the verification was completed.
Merchant Account	The merchant account ID assigned by IBT.
Verification Token	The verification token.
Customer	The name of the consumer.
Bank Name	The name of the consumer's bank.
Merchant Transaction ID	The merchant-assigned transaction ID.
Merchant User ID	The merchant-assigned consumer user ID.
Transaction Amt	The dollar amount of the transaction.
Currency	The ISO 4217 3-digit alphabetic currency code.
Fee	The OBV verification fee. Note that this column will be blank for first time user flows for deposits and withdrawals as the OBV fee is included as part of the transaction fee.
Verification Status	The transaction status. ABANDONED: The consumer abandoned the transaction during the verification process. ACCOUNT_VERIFIED* DENIED ERROR FAILED INVALID_PAYLOAD: The API request sent by the merchant system is invalid or missing information. INTERNAL_ERROR* NEW PAYMENT_PROCESSING PROCESS_NEW_USER REAUTH_REQUIRED: Reauthorization is required for Identity Verification. REAUTH_IN_PROGRESS* RECEIVED_REQUEST RETURNED RETURN_WITH_REPRESENTMENT RFP_ELIGIBILITY RMG_CHECK_FAILED: The Risk Management system has rejected the transaction. SUCCESS* TRANSACTION_PROCESSING VALID VALIDATING_FI_INFO: The Identity Verification service is validating the consumer's financial information. VALIDATING_OBV_TOKEN*: The Identity Verification service is validating the token assigned to the consumer. VERIFICATION_FAILED: The Identity Verification service has returned an error. VERIFICATION_REQUIRED VERIFIED WAITING_FOR_BALANCE WAITING_FOR_VERIFICATION**
Error Code	The error code, if applicable.
Error Message	The error message, if applicable.