This page lists all possible external decision rejection reasons and their associated groups.

Fraud group

Group ID: fraud.

Covers cases where the applicant intentionally tries to deceive the system or commit identity fraud.

Reason	Description
`documentForgery`	The applicant provided a forged or falsified document.
`multiAccounting`	The applicant created multiple accounts under the same or different identities.
`fakeContactData`	The applicant used fake or disposable contact information (email, phone number, and so on).
`locationManipulation`	The applicant attempted to hide or spoof their real location (VPN, proxy, GPS spoofing).
`imageManipulation`	The applicant uploaded photos or scans that show signs of tampering or digital editing.
`stolenIdentity`	The applicant tried to use someone else’s identity or documents.
`socialEngineering`	The applicant attempted to trick others (support, other users) into bypassing rules or gaining access.
`elderAbuse`	The applicant exploited or misused the identity of an elderly person.

Finance group

Group ID: finance.

Covers financial risks and payment-related fraud.

Reason	Description
`chargeback`	The applicant was involved in chargeback activity.
`suspiciousAccounts`	The applicant used bank accounts linked to suspicious or risky behavior.
`highRiskPaymentMethod`	The applicant attempted to use a payment method known for high risk.
`moneyMuling`	The applicant acted as a money mule, transferring illicit funds through their account.
`cardScam`	The applicant used stolen or fraudulent payment cards.

Regulation group

Group ID: regulation.

Covers legal and compliance-related violations.

Reason	Description
`sanctionedJurisdiction`	The applicant is located in or operates from a sanctioned country or region.
`sanctionedPerson`	The applicant appears on one or more international sanctions lists.
`missingRequiredDocuments`	The applicant failed to provide documents required by regulations.

Abuse group

Group ID: abuse.

Covers violations of platform rules or misuse of services.

Reason	Description
`automatedBehavior`	The applicant used bots or automation to access services.
`accountSharing`	The applicant shared account access with other people.
`multiAccounting`	The applicant created multiple accounts to abuse promotions or services.
`promotionAbuse`	The applicant exploited referral programs, bonuses, or promotions unfairly.
`termsViolation`	The applicant violated the Terms of Service.

Device group

Group ID: device.

Covers risks associated with applicant devices.

Reason	Description
`blacklistedDevice`	The applicant used a device previously flagged as compromised or blacklisted.
`suspiciousDevice`	The applicant’s device shows suspicious behavior or unusual configurations.

Manual group

Group ID: manual

Covers cases where the final decision was made by the risk or compliance team.

Reason	Description
`riskTeamDecision`	The applicant was rejected based on a manual assessment by the risk/compliance team.

All reasons in one JSON

The following is a JSON representation of the possible reasons and their associated groups.

{
  "reasons": {
    "fraud": [
      "documentForgery",
      "multiAccounting",
      "fakeContactData",
      "locationManipulation",
      "imageManipulation",
      "stolenIdentity",
      "socialEngineering",
      "elderAbuse"
    ],
    "finance": [
      "chargeback",
      "suspiciousAccounts",
      "highRiskPaymentMethod",
      "moneyMuling",
      "cardScam"
    ],
    "regulation": [
      "sanctionedJurisdiction",
      "sanctionedPerson",
      "missingRequiredDocuments"
    ],
    "abuse": [
      "automatedBehavior",
      "accountSharing",
      "multiAccounting",
      "promotionAbuse",
      "termsViolation"
    ],
    "device": [
      "blacklistedDevice",
      "suspiciousDevice"
    ],
    "manual": [
      "riskTeamDecision"
    ]
  }
}