---
updatedAt: 2026-03-04T17:47:09.000Z
agentTools:
  projectIndex: https://docs.sumsub.com/llms.txt
---

# External rejection reasons list

This page lists all possible external decision rejection reasons and their associated groups that can be used in [this API method](https://docs.sumsub.com/sumsub/reference/reject-applicant).

# 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 team or compliance officer.

[block:parameters]
{
  "data": {
    "h-0": "Reason",
    "h-1": "Description",
    "0-0": "`additionalDocumentRequest`",
    "0-1": "The applicant needs to be moved to `init` (**Documents requested**) status via the [following method](https://docs.sumsub.com/sumsub/reference/change-applicant-status-to-init).  \n  \n⚠️ This is possible only if the applicant is in the `onHold` (**Requires action**) status and has at least one grey (**Requested**) verification step.",
    "1-0": "`riskTeamDecision`",
    "1-1": "The applicant was rejected based on a manual assessment by the risk/compliance team."
  },
  "cols": 2,
  "rows": 2,
  "align": [
    "left",
    "left"
  ]
}
[/block]

# All reasons in one JSON

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

```json
{
  "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",
      "additionalDocumentRequest"
    ]
  }
}
```