> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mangopay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Dealing with hosted IDV refusals

In the case of unsuccessful session (`Status` is `REFUSED`), further information on the refused checks is available in the IDV session object.

<Note>
  **Note – IDV sessions available in the Dashboard**

  In the <a href="https://hub.mangopay.com/" target="_blank">Mangopay Dashboard</a>, your platform can:

  * See details of sessions, including the checks performed and refused reasons
  * Generate a new session link for a user

  To access, navigate to a given User's profile and click the ***KYV verification*** tab.
</Note>

To retrieve the `Checks` performed, call the [GET View an IDV Session](/api-reference/idv-sessions/view-idv-session) endpoint.

For `Checks` that have `CheckStatus` of `REFUSED`, the reasons for the refusal are given in the `Reasons` array, containing one or more objects containing `Type` and `Value` fields.

This information helps you understand why the session was refused and guide the user in retrying a new session successfully.

All the `Checks.Reasons.Type` values are listed below by `CheckType` along with recommendations for resolution.

<Note>
  **Note – Refer to custom comment for legal user reviews**

  For Legal user sessions that were manually reviewed, ensure you check the `Checks.Reasons.Value` field for the customized comment from the person who conducted the review.

  The `Value` is preset if the session was automatically refused - which is always the case if a Natural user session was refused and may be the case for Legal users.
</Note>

## Refused reasons per check type

The following tables give guidance on how to deal with the refused reasons per `CheckType`.

### Identity document verification

For the `IDENTITY_DOCUMENT_VERIFICATION` check, the following refused reasons may be returned:

<table>
  <thead>
    <tr>
      <th class="header">Reason type</th>
      <th class="header">Issue</th>
      <th class="header">Recommendation</th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td class="table-content hug-content">
        `DOCUMENT_NOT_ACCEPTED`
      </td>

      <td class="table-content">
        The document is not accepted; it doesn't fit the verification requirements outlined by Mangopay.
      </td>

      <td class="table-content">
        Check the [Accepted ID documents](/guides/users/verification/requirements/id-accepted) to know which document is accepted for the identity proof depending on the country of issue.

        <br />

        <br />

        Retry in a new IDV session with an accepted document.
      </td>
    </tr>

    <tr>
      <td class="table-content hug-content">
        `FACE_MATCH_FAIL`
      </td>

      <td class="table-content">
        The face on the selfie does not match the face of the document.
      </td>

      <td class="table-content">
        Retry in a new session, ensuring that the person of the ID is also taking the selfie.
      </td>
    </tr>

    <tr>
      <td class="table-content hug-content">
        `DOCUMENT_FALSIFIED`
      </td>

      <td class="table-content">
        The document seems to be fraudulent or contains inconsistent information.
      </td>

      <td class="table-content">
        Check that the document has not been altered by any means.
      </td>
    </tr>

    <tr>
      <td class="table-content hug-content">
        `DOCUMENT_UNREADABLE`
      </td>

      <td class="table-content">
        The document is not clear enough.
      </td>

      <td class="table-content">
        Check that the document used is accepted. Retry in a new session ensuring the photos taken are clear, readable, and not blurred.
      </td>
    </tr>

    <tr>
      <td class="table-content hug-content">
        `DOCUMENT_HAS_EXPIRED`
      </td>

      <td class="table-content">
        The document has passed its expiry date; it is no longer valid.
      </td>

      <td class="table-content">
        Check that the ID proof is not expired. Retry the session with an in-date accepted document.
      </td>
    </tr>
  </tbody>
</table>

### IDV age check

For the `IDV_AGE_CHECK` check, the following refused reasons may be returned:

<table>
  <thead>
    <tr>
      <th class="header">Reason type</th>
      <th class="header">Issue</th>
      <th class="header">Recommendation</th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td class="table-content hug-content">
        `DOCUMENT_NOT_ACCEPTED`
      </td>

      <td class="table-content">
        The individual indicated on the document is under 18.
      </td>

      <td class="table-content">
        Mangopay Natural users must be 18 years old or older (same for legal representatives and beneficial owners).
      </td>
    </tr>
  </tbody>
</table>

### IDV name match check

For the `IDV_NAME_MATCH_CHECK` check, the following refused reasons may be returned:

<table>
  <thead>
    <tr>
      <th class="header">Reason type</th>
      <th class="header">Issue</th>
      <th class="header">Recommendation</th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td class="table-content hug-content">
        `DOCUMENT_NOT_ACCEPTED`
      </td>

      <td class="table-content">
        The first name and last name of the identity document did not match the User object data:

        * For a Natural user, with the `FirstName` and `LastName`
        * For a Legal Soletrader, with the `LegalRepresentative.FirstName` and `LegalRepresentative.LastName`
      </td>

      <td class="table-content">
        First, update the data of the user object to match the identity document.

        <br />

        <br />

        Then, retry the session using the same identity document.
      </td>
    </tr>
  </tbody>
</table>

### Business verification

For the `BUSINESS_VERIFICATION` check, the following refused reasons may be returned:

<table>
  <thead>
    <tr>
      <th class="header">Reason type</th>
      <th class="header">Issue</th>
      <th class="header">Recommendation</th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td class="table-content hug-content">
        `DOCUMENT_NOT_ACCEPTED`
      </td>

      <td class="table-content">
        Generic refusal status. See the specific comment in the `Checks.Reasons.Value`.
      </td>

      <td class="table-content">
        Review the custom comment provided and respond accordingly.
      </td>
    </tr>

    <tr>
      <td class="table-content hug-content">
        `DOCUMENT_TYPE_NOT_SUPPORTED`
      </td>

      <td class="table-content">
        The document is for the country of registration or Legal User type.
      </td>

      <td class="table-content">
        Check the [accepted local KYB documents](/guides/users/verification/requirements/kyb-local) to know which document is needed for the registration proof in your case.

        <br />

        <br />

        Retry in a new IDV session.
      </td>
    </tr>

    <tr>
      <td class="table-content hug-content">
        `DOCUMENT_HAS_EXPIRED`
      </td>

      <td class="table-content">
        The document is not valid or was issued more than 3 months ago.
      </td>

      <td class="table-content">
        Check that the document was issued within the last 3 months. For some countries, the requirements don’t include the 3-month rule but the document has a validity period which it has passed and/or it must be the latest up-to-date version of the document.
      </td>
    </tr>

    <tr>
      <td class="table-content hug-content">
        `DOCUMENT_UNREADABLE`
      </td>

      <td class="table-content">
        The document is not clear enough.
      </td>

      <td class="table-content">
        Check the clarity and readability of your file before retrying in a new session, submitting a clear and up-to-date accepted document.
      </td>
    </tr>

    <tr>
      <td class="table-content hug-content">
        `DOCUMENT_INCOMPLETE`
      </td>

      <td class="table-content">
        The document is incomplete or not sufficient on its own.
      </td>

      <td class="table-content">
        Ensure the file uploaded is dated, that all pages are present, and that it is in one of the [supported languages](/guides/users/verification/requirements/kyb-local#accepted-languages) or, if not, that a sworn translation was also uploaded.

        <br />

        <br />

        For most countries, declared legal representative should appear in the document(s).

        <br />

        <br />

        Generate a new session to retry.
      </td>
    </tr>
  </tbody>
</table>

### Business insights match

For the `BUSINESS_INSIGHTS_MATCH` check, the following refused reasons may be returned:

<table>
  <thead>
    <tr>
      <th class="header">Reason type</th>
      <th class="header">Issue</th>
      <th class="header">Recommendation</th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td class="table-content hug-content">
        `BUSINESS_INSIGHTS_MATCH_FAILED`
      </td>

      <td class="table-content">
        For Business users, the name on the identity document is not in the list of business directors obtained from the national registry.
      </td>

      <td class="table-content">
        Review the custom comment provided and respond accordingly.
      </td>
    </tr>
  </tbody>
</table>

### Business name check

For the `BUSINESS_NAME_MATCH` check, the following refused reasons may be returned:

<table>
  <thead>
    <tr>
      <th class="header">Reason type</th>
      <th class="header">Issue</th>
      <th class="header">Recommendation</th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td class="table-content hug-content">
        `BUSINESS_NAME_MATCH_FAILED`
      </td>

      <td class="table-content">
        For Soletrader users, the name on the identity document does not feature in the registered name of the sole proprietor.
      </td>

      <td class="table-content">
        Review the custom comment provided and respond accordingly.
      </td>
    </tr>
  </tbody>
</table>
