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Policies, sometimes referred to as “Risk Policies” are a system designed on the platform to group a batch of Risk Decisions at once automatically.

Policies - What makes up a policy?

A policy is made up of 5 components, Decisions, Sub-Decisions, Rules, Dependencies, and Failover Dependencies. See the table below for descriptions of each:

Policy Component

Description

Decisions

A configuration of risk rules allowing Facilitators or Referrers to set specific risk criteria to determine the automated action that should occur to a transaction or entity.

Sub-Decisions

Conditional Decisions offered based on the primary Risk decision offered.

Rules

Specified risk criteria set and required to trigger an individual Decision Action.

Dependencies

The result of another Decision acts as a prerequisite to trigger the current policy.

Failover Dependencies

The action that should be taken if a Decision dependency fails or an error occurs to avoid the decision action.

Decisions

You can find all available decisions here:

 Click here to see a list of all Decisions.

Decision

Description

Available Sub Decisions

RealtimeMemberSearch

Designed to identify Individuals who have been designated risks by the US and Foreign governments.

  • Entity Score

  • Address Conflict

  • Citizenship Conflict

  • Country Conflict

  • DOB Conflict

  • Entity Type Conflict

  • Gender Conflict

  • ID Conflict

  • Phone Conflict

RealtimeBusinessSearch

Designed to identify Business who have been designated risks by the US and Foreign governments.

  • Entity Score

  • Address Conflict

  • Citizenship Conflict

  • Country Conflict

  • DOB Conflict

  • Entity Type Conflict

  • Gender Conflict

  • ID Conflict

  • Phone Conflict

MasterCardMatch

A database that houses information about businesses (and their owners) whose credit card processing privileges have been terminated for a set of very specific reasons. Submissions can be flagged based on a partial, full or no match indicator.

  • Possible Matches

  • Name

  • DoingBusinessAsName

  • Address

  • Phone Number

  • Alt Phone Number

  • Country Subdivision Tax ID

  • National Tax ID

  • Service Provider Legal

  • Service Provider DBA

  • Representative Name

  • Representative Address

  • Representative Phone Number

  • Representative Alt Phone Number

  • Representative National ID

  • Representative Drivers License

  • ID Theft Rep National ID

  • ID Theft Rep National Tax ID

  • Termination Reason Code

BusinessInstantId

Validates and verifies a Business information, and TIN across multiple databases using a powerful, proprietary search and comparison process.

  • Business Score

  • Verification Code

  • Company Name Verification

  • Street Address Verification

  • City Verification

  • State Verification

  • ZIP Verification

  • Phone Verification

  • EIN Verification

  • Risk Indicator Code

  • OFAC Watch List Match

  • Global Watch List Match

  • Business Risk Address Match

  • Business to Rep Link Index

  • REP CVI Score

  • REP Risk Indicator Score

  • REP DOB Code

  • REP NAS Code

  • REP Watch List Match

  • REP PO Box Address

  • REP Decedent Match

ConsumerInstantId

Validates and verifies a consumer's identity information, and DOB across multiple databases using a powerful, proprietary search and comparison process.

  • CVI Code

  • Risk Indicator Code

  • NAS Code

  • NAP Code

  • Decedent Match

  • SSN Match

  • DOB Code

  • PO Box Address

  • Watch List Match

  • Red Flag Code

ConsumerInstantIdBasic

  • CVI Code

  • Risk Indicator Code

  • NAS Code

  • NAP Code

  • Decedent Match

  • SSN Match

  • DOB Code

  • PO Box Address

  • Watch List Match

ThreatMetrix

A comprehensive digital identity to authenticate each connecting user by combining information relating to devices, anonymized identity information, behavior patterns and threat intelligence.

  • Review Status

  • Policy Score

  • Reason Codes

  • Risk Rating

TxnThreatMetrix

  • Review Status

  • Policy Score

  • Reason Codes

  • Risk Rating

ThreatMetrixEmailage

  • Fraud Risk Score

  • Risk Reason

  • Risk Band

  • Digital Identity Score

  • Total Hits

  • Unique Hits Level

  • Fraud Type

  • Email Exists

  • Email Creation Days

  • First Seen Days

  • Name Match

  • Domain Risk Level

  • Domain Exists

  • Domain Relevant Info

  • Domain Creation Days

  • Domain Country Name

  • Domain Corporate

  • IP Risk Level

  • IP Risk Reason

  • Email To IP Confidence

  • Email to Phone Confidence

  • Email to Name Confidence

  • IP to Phone Confidence

  • IP to Name Confidence

  • Email Owner Friend Count

  • Phone Status

  • Phone Owner Match

  • Phone Carrier Type

  • Reason Codes

ThreatMetrixFraudpoint

ThreatMetrixPhoneFinder

LegitScriptRegister

Boards the merchant for online compliance review against the operating regulations of Visa, Mastercard, and other major payment networks.

EquifaxConsumerCreditReport

CharityCheck

Ensure charities are compliant within key databases including IRS Publication 78, IRS Business Master File, Internal Revenue Bulletin, Automatic Revocation of Exemption, and OFAC Specially Designated National list.

GiactInquiry

GIACT Inquiry

GiactTxnInquiry

GIACT Inquiry for Transaction

GiactGauthenticate

GiactTxnGauthenticate

PayloadAttribute

PayloadTransactionAttribute

RiskRating

TransactionSize

TransactionAttribute

TransactionAuthorization

AvsResponse

CountryBlock

TransactionMetrics

TinCheck

Validates your recipient's Name/TIN information in real-time against the IRS database, the Office of Foreign Assets Control list (OFAC), and the Death Master File (DMF) to ensure you have valid recipient Name/TIN information.

TruliooIdv

TruliooBusinessVerification

TruliooAsyncBusinessVerification

TruliooAmlIdv

PlaidGetIdentity

PlaidIdentityMatch

TxnPlaidIdentityMatch

TxnPlaidGetIdentity

TxnPlaidGetAuth

BaselineTxnMetricsOutlierTicketSize

Sub-Decisions

Operators

Operators act as the criteria filter for each sub-decision to read the data provided and pass or fail the decision accordingly.

Operators

Description

Example

Truthy

The operator and the value of “True” in a true/false boolean to fail for the decision.

Conflict with DOB - Truthy.

Falsy

The operator and the value of “False” in a true/false boolean to fail for the decision.

Plaid Verification - Falsy

Is Present

If any result is present, fail for the decision.

OFAC Watch List Match - Is Present

Is Empty

If no result is present, fail for the decision.

Entity TC Date - Is Empty

Greater than or equal to threshold.

Sets a range above the preset threshold value to fail for the decision at or above.

Entity Score - Greater than orequal to 89.

Less than or equal to threshold.

Sets a range below the preset threshold value to fail for the decision at or below.

FICO Score - Less than or equal to 650.

Matches Value

If result is an exact match to the set value, fail for the decision.

Risk Indicator Code - Matches Value “10” - The input business name matches OFAC file.

No Match

If the result does not match the set value, fail for the decision.

[Charity] Subscection Code - No Match - The result does not match a valid non-profit entity type.

Realtime Member Search

 Click here to see all Sub-Decisions for Realtime Member Search

Sub-Decision

Description

Operators

Valid Values

Entity Score

A score indicating the confidence in the identity match.

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

Score values: 0 - 100

Address Conflict

Whether the address information for screening list entity matches.

  • Truthy

  • Falsy

No value. Operators serves as the value.

Citizenship Conflict

Whether the citizenship information for screening list entity matches.

  • Truthy

  • Falsy

No value. Operators serves as the value.

Country Conflict

Whether the country information for screening list entity matches.

  • Truthy

  • Falsy

No value. Operators serves as the value.

DOB Conflict

Whether the Date of Birth information for screening list entity matches

  • Truthy

  • Falsy

No value. Operators serves as the value.

Entity Type Conflict

Whether the Entity Type information for screening list entity matches

  • Truthy

  • Falsy

No value. Operators serves as the value.

Gender Conflict

Whether the Date of Birth information for screening list entity matches

  • Truthy

  • Falsy

No value. Operators serves as the value.

ID Conflict

Whether the ID information for screening list entity matches

  • Truthy

  • Falsy

No value. Operators serves as the value.

Phone Conflict

Whether the ID information for screening list entity matches

  • Truthy

  • Falsy

No value. Operators serves as the value.

Realtime Business Search

 Click here to see all Sub-Decisions for Realtime Business Search

Sub-Decision

Description

Operators

Valid Values

Entity Score

A score indicating the confidence in the identity match.

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

Score values: 0 - 100

Address Conflict

Whether the address information for screening list entity matches.

  • Truthy

  • Falsy

No value. Operators serves as the value.

Citizenship Conflict

Whether the citizenship information for screening list entity matches.

  • Truthy

  • Falsy

No value. Operators serves as the value.

Country Conflict

Whether the country information for screening list entity matches.

  • Truthy

  • Falsy

No value. Operators serves as the value.

DOB Conflict

Whether the Date of Birth information for screening list entity matches

  • Truthy

  • Falsy

No value. Operators serves as the value.

Entity Type Conflict

Whether the Entity Type information for screening list entity matches

  • Truthy

  • Falsy

No value. Operators serves as the value.

Gender Conflict

Whether the Date of Birth information for screening list entity matches

  • Truthy

  • Falsy

No value. Operators serves as the value.

ID Conflict

Whether the ID information for screening list entity matches

  • Truthy

  • Falsy

No value. Operators serves as the value.

Phone Conflict

Whether the ID information for screening list entity matches

  • Truthy

  • Falsy

No value. Operators serves as the value.

Mastercard Match

 Click here to see all Sub-Decisions for Mastercard Match

Sub-Decision

Description

Operators

Valid Values

Possible Matches

Indicates that any match was made with the MATCH watchlist.

  • Truthy

  • Falsy

No value. Operators serves as the value.

Name

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

DoingBusinessAsName

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

Address

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

Phone Number

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

Alt Phone Number

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

Country Subdivision Tax ID

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

National Tax ID

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

Service Provider Legal

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

Service Provider DBA

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

Representative Name

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

Representative Address

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

Representative Phone Number

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

Representative Alt Phone Number

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

Representative National ID

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

Representative Drivers License

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

ID Theft Rep National ID

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

ID Theft Rep National Tax ID

  • Matches Value

  • No Match

  • M00 - No Match

  • M01 - Exact Match

  • M02 - Phonetic Match

Termination Reason Code

  • Matches Value

  • No Match

  • 1 - Account Data Compromise

  • 2 - Common Point of Purchase (CPP)

  • 3 - Laundering

  • 4 - Excessive Chargebacks

  • 5 - Excessive Fraud

  • 6 - Reserved for Future Use

  • 8 - Mastercard Questionable Merchant Audit Program

  • 9 - Bankruptcy/Liquidation/Insolvency

  • 10 - Violation of Standards

  • 11 - Merchant Collusion

  • 12 - PCI Data Security Standard Noncompliance

  • 13 - Illegal Transactions

  • 14 - Identity Theft

Definitions from Mastercard available here.

Business Instant ID

 Click here to see all Sub-Decisions for Business Instant ID

Sub-Decision

Description

Operators

Valid Values

Business Score

The BVI (business verification index) is an index that summarizes the verification of the business information

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

  • No Match

  • 0 - Nothing found to confirm the existence of the business.

  • 10 - Significant contradictory findings or an OFAC match exists or only single input elements are valid.

  • 20 - Partial verification of input data; business may exist but can’t be positively confirmed.

  • 30 - Business identity confirmed, but failure to verify all identity elements.

  • 40 - Strong verification of the input data is confirmed.

  • 50 - Business is verified with no contradictory findings.

Verification Code

  • Matches Value

  • No Match

  • 0 - No business inputs verified on this source.

  • 1 - One of the following verified: Input Business name, address, phone or federal EIN.

  • 2 - Two of the following verified: Input Business name, address, phone, and/or federal EIN.

  • 3 - Three of the following verified: Input Business name, address, phone, and/or federal EIN.

  • 4 - All input business information verified.

Company Name Verification

  • Truthy

  • Falsy

No value. Operators serves as the value.

Street Address Verification

  • Truthy

  • Falsy

No value. Operators serves as the value.

City Verification

  • Truthy

  • Falsy

No value. Operators serves as the value.

State Verification

  • Truthy

  • Falsy

No value. Operators serves as the value.

ZIP Verification

  • Truthy

  • Falsy

No value. Operators serves as the value.

Phone Verification

  • Truthy

  • Falsy

No value. Operators serves as the value.

EIN Verification

  • Truthy

  • Falsy

No value. Operators serves as the value.

Risk Indicator Code

  • Matches Value

  • No Match

  • 10 - The input business name matches OFAC file.

  • 11 - The input business name matches non-OFAC global watchlist(s)

  • 12 - Bankruptcy on record suggests the business may be defunct

  • 13 - Business not in good standing according to the Secretary of State

  • 14 - Business inactive according to the Secretary of State

  • 15 - Business is not registered at Secretary of State of input business state

  • 16 - The input business TIN is associated with a different business name and address

  • 17 - Unable to verify business name, address, TIN and phone on business records

  • 18 - Unable to verify business name on business records, but alternate business name found in business records

  • 19 - Unable to verify business name on business records

  • 20 - Unable to verify business address on business records

  • 21 - Unable to verify business TIN on business records

  • 22 - Unable to verify business phone number on business records

  • 23 - Business first reported in last 12 months

  • 24 - Business first reported in last 24 months

  • 25 - The input business address may be a previous address

  • 26 - Address mismatch between the input business city/state and zip code

  • 27 - The input business address is a vacant address

  • 28 - The input business phone number may be disconnected

  • 29 - The input phone number is associated with a different name and address

  • 30 - The input business may be associated with a post office box

  • 31 - The input business phone number is a mobile number

  • 32 - The input business zip code has a prison within the zip code area

  • 33 - The input business zip code is a military only zip code

  • 34 - The input business address may be a residential address (single family dwelling)

  • 35 - The input business phone number may be associated with a residential listing

  • 36 - The input business phone number and business address on record are geographically distant (> 10 miles)

  • 37 - The input business TIN is not found

  • 38 - No updates to business record in the past 36 months

  • 39 - No updates to business record in the past 24 months

  • 40 - No updates to business record in the past 12 months

  • 41 - Business operates or has operated at multiple locations

  • 42 - Business has been banned from doing business with the government

  • 43 - The input business address may be invalid according to postal specifications

  • 44 - The input business phone number is potentially invalid

  • 45 - The input business TIN is potentially invalid

  • 46 - The input business name matches the input alternate business name

  • 47 - The input business name may have been miskeyed

  • 48 - The input business address may have been miskeyed

  • 49 - The input business phone number may have been miskeyed

  • 50 - The input business TIN may have been miskeyed

  • 51 - The input business name was missing

  • 52 - The input business address was missing

  • 53 - The input business phone was missing or incomplete

  • 54 - The input business TIN was missing or incomplete

OFAC Watch List Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for the decision.

Global Watch List Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for the decision.

Business Risk Address Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for the decision.

Business to Rep Link Index

  • Matches Value

  • No Match

  • 0 - The input authorized rep cannot be linked to the business

  • 10 - The input authorized rep’s address is the same as the input business address.

    • The input authorized rep’s first or last name appears as part of the input business name.

    • The input authorized rep’s phone is the same as the input business phone.

  • 20 - The input authorized rep’s SSN is the same as the input business FEIN.

    • The input authorized rep’s address and first or last name is the same as the input business’ address and part of the name.

  • 30 - The input authorized rep’s address matches the business address on record.

    • The input authorized rep’s first or last name appears as part of the business name on record.

    • The input authorized rep’s phone matches the business phone on record.

  • 40 - The input authorized rep’s address matches the personal address of a business contact on record.

    • The input authorized rep’s SSN matches the business FEIN on record.

    • The input authorized rep’s address and first or last name matches the business’ address and part of the name on record.

  • 50 - The input authorized rep’s first and last name matches the first and last name of a business contact on record.

    • The input authorized rep’s SSN matches the SSN of a business contact on record.

REP CVI Score

  • Matches Value

  • No Match

  • 0 - The input authorized rep cannot be linked to the business

  • 10 - The input authorized rep's address is the same as the input business address.

    • The input authorized rep's first or last name appears as part of the input business name.

    • The input authorized rep's phone is the same as the input business phone.

  • 20 - The input authorized rep's SSN is the same as the input business FEIN.

    • The input authorized rep's address and first or last name is the same as the input business’ address and part of the name.

  • 30 - The input authorized rep's address matches the business address on record.

    • The input authorized rep's first or last name appears as part of the business name on record.

    • The input authorized rep's phone matches the business phone on record.

  • 40 - The input authorized rep's address matches the personal address of a business contact on record.

    • The input authorized rep's SSN matches the business FEIN on record.

    • The input authorized rep's address and first or last name matches the business’ address and part of the name on record.

  • 50 - The input authorized rep's first and last name matches the first and last name of a business contact on record.

    • The input authorized rep's SSN matches the SSN of a business contact on record.

REP Risk Indicator Score

  • Matches Value

  • No Match

  • 02 - The input SSN is reported as deceased

  • 03 - The input SSN was issued prior to the input date-of-birth

  • 04 - The input last name and SSN are verified, but not with the input address and phone.

  • 05 -

  • 06 - The input SSN is invalid

  • 07 - The input phone number may be disconnected

  • 08 - The input phone number is potentially invalid

  • 09 - The input phone number is a pager number

  • 10 - The input phone number is a mobile number

  • 11 - The input address may be invalid according to postal specifications

  • 12 - The input zip code belongs to a post office box

  • 13 -

  • 14 - The input address is a transient commercial or institutional address

  • 15 - The input phone number matches a transient commercial or institutional address

  • 16 - The input phone number and input zip code combination is invalid

  • 19 - Unable to verify name, address, SSN/TIN and phone

  • 20 -

  • 21 -

  • 22 -

  • 23 -

  • 24 -

  • 25 - Unable to verify address

  • 26 - Unable to verify SSN/TIN

  • 27 - Unable to verify phone number

  • 28 - Unable to verify date-of-birth

  • 29 - The input SSN/TIN may have been miskeyed

  • 30 - The input address may have been miskeyed

  • 31 - The input phone number may have been miskeyed

  • 32 - The input name matches the OFAC file

  • 33 -

  • 34 -

  • 35 -

  • 36 -

  • 37 - Unable to verify name

  • 38 - The input SSN is associated with multiple last names

  • 39 - The input SSN is recently issued

  • 40 -

  • 41 - The input driver's license number is invalid for the input DL State

  • 42 -

  • 43 -

  • 44 - The input phone area code is changing

  • 45 -

  • 46 - The input work phone is a pager number

  • 47 -

  • 48 - Unable to verify first name

  • 49 - The input phone and address are geographically distant (>10 miles)

  • 50 - The input address matches a prison address

  • 51 - The input last name is not associated with the input SSN

  • 52 - The input first name is not associated with the input SSN

  • 53 - The input home phone and work phone are geographically distant (>100 miles)

  • 54 -

REP DOB Code

  • Matches Value

  • No Match

  • 0

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

REP NAS Code

  • 0 - Nothing found for input criteria

  • 1 - Input SSN is associated with a different name and address

  • 2 - Input First name and Last Name matched

  • 3 - Input First name and Address matched

  • 4 - Input First name and SSN matched

  • 5 - Input Last name and Address matched

  • 6 - Input Address and SSN matched

  • 7 - Input Last name and SSN matched

  • 8 - Input First name, Last name, and Address matched

  • 9 - Input First name, Last name and SSN matched

  • 10 - Input First name, Address, and SSN matched

  • 11 - Input Last name, Address, and SSN matched

  • 12 - Input First name, Last name, Address and SSN matched

REP NAP Code

  • 0 - Nothing found for input criteria

  • 1 - Input Phone is associated with a different name and address

  • 2 - First name and Last name matched

  • 3 - First name and Address matched

  • 4 - First name and Phone matched

  • 5 - Last name and Address matched

  • 6 - Address and Phone matched

  • 7 - Last name and Phone matched

  • 8 - First name, Last name, and Address matched

  • 9 - First name, Last name, and Phone matched

  • 10 - First name, Address, and Phone matched

  • 11 - Last name, Address, and Phone matched

  • 12 - First name, Last name, Address, and Phone matched

REP Watch List Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for the decision.

REP PO Box Address

  • Truthy

  • Falsy

No value. Operators serves as the value.

REP Decedent Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for the decision.

Consumer Instant ID

 Click here to see all Sub-Decisions for Consumer Instant ID

Sub-Decision

Description

Operators

Valid Values

CVI Code

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

  • No Match

  • 0 - Nothing verified

  • 10 - Critical ID elements not verified, are associated with different person(s), or indications such as OFAC matches, deceased/invalid SSN, SSN issued prior to DOB, etc. exist

  • 20 - Minimal verification, critical ID elements not verified or associated with different person(s)

  • 30 - Several ID elements verified

  • 40 - Last name, address and SSN or phone verified; first name, phone or SSN verification failures

  • 50 - Full name, address, phone, SSN verified

Risk Indicator Code

  • Matches Value

  • No Match

  • 02 - The input SSN is reported as deceased

  • 03 - The input SSN was issued prior to the input date-of-birth

  • 04 - The input last name and SSN are verified, but not with the input address and phone

  • 06 - The input SSN is invalid

  • 07 - The input phone number may be disconnected

  • 08 - The input phone number is potentially invalid

  • 09 - The input phone number is a pager number

  • 10 - The input phone number is a mobile number

  • 11 - The input address may be invalid according to postal specifications

  • 12 - The input zip code belongs to a post office box

  • 14 - The input address is a transient commercial or institutional address

  • 15 - The input phone number matches a transient commercial or institutional address

  • 16 - The input phone number and input zip code combination is invalid

  • 19 - Unable to verify name, address, SSN/TIN and phone

  • 25 - Unable to verify address

  • 26 - Unable to verify SSN/TIN

  • 27 - Unable to verify phone number

  • 28 - Unable to verify date-of-birth

  • 29 - The input SSN/TIN may have been miskeyed

  • 30 - The input address may have been miskeyed

  • 31 - The input phone number may have been miskeyed

  • 32 - The input name matches the OFAC file

  • 37 - Unable to verify name

  • 38 - The input SSN is associated with multiple last names

  • 39 - The input SSN is recently issued

  • 41 - The input driver's license number is invalid for the input DL State

  • 44 - The input phone area code is changing

  • 46 - The input work phone is a pager number

  • 48 - Unable to verify first name

  • 49 - The input phone and address are geographically distant (>10 miles)

  • 50 - The input address matches a prison address

  • 51 - The input last name is not associated with the input SSN

  • 52 - The input first name is not associated with the input SSN

  • 53 - The input home phone and work phone are geographically distant (>100 miles)

  • 55 - The input work phone is potentially invalid

  • 56 - The input work phone is potentially disconnected

  • 57 - The input work phone is a mobile number

  • 64 - The input address returns a different phone number

  • 66 - The input SSN is associated with a different last name, same first name

  • 71 - The input SSN is not found in the public record

  • 72 - The input SSN is associated with a different name and address

  • 74 - The input phone number is associated with a different name and address

  • 75 - The input name and address are associated with an unlisted/non-published phone number

  • 76 - The input name may have been miskeyed

  • 77 - The input name was missing

  • 78 - The input address was missing

  • 79 - The input SSN/TIN was missing or incomplete

  • 80 - The input phone was missing or incomplete

  • 81 - The input date-of-birth was missing or incomplete

  • 82 - The input name and address return a different phone number

  • 83 - The input date-of-birth may have been miskeyed

  • 85 - The input SSN was issued to a non-US citizen

  • 89 - The input SSN was issued within the last three years

  • 90 - The input SSN was issued after age five (post-1990)

  • CA - The primary input address is a Commercial Mail Receiving Agency

  • CL - The input SSN is not the primary SSN for the input identity

  • CO - The input zip code is a corporate only zip code

  • CZ - Address mismatch between city/state and zip code

  • DD - A different driver's license number has been found for the input applicant

  • DF - The input driver’s license number is valid and is not on record

  • DI - The input identity is reported as deceased

  • DM - The input driver's license number may have been miskeyed

  • DV - Unable to verify driver's license number

  • IS - Input SSN possibly randomly issued by SSA, but invalid when first associated with the input identity

  • IT - The input SSN is an ITIN

  • MI - Multiple identities associated with the input SSN

  • MO - The input zip code is a military only zip code

  • MS - Multiple SSNs reported with applicant

  • NB - No date-of-birth reported for the input identity

  • NF - The input first name and last name may have been flipped

  • PA - Potential address discrepancy - the Input address may be previous address

  • PO - The primary input address is a PO Box

  • RS - The input SSN was possibly randomly issued by the SSA

  • SD - The input address State is different than the LN best address State for the input identity

  • SR - Address mismatch on secondary address range

  • VA - The input address is a vacant address

  • WL - The input name matches one or more of the non-OFAC global screening list(s)

  • ZI - Unable to verify zip code

NAS Code

  • Matches Value

  • No Match

  • 0 - Nothing found for input criteria

  • 1 - Input SSN is associated with a different name and address

  • 2 - Input First name and Last Name matched

  • 3 - Input First name and Address matched

  • 4 - Input First name and SSN matched

  • 5 - Input Last name and Address matched

  • 6 - Input Address and SSN matched

  • 7 - Input Last name and SSN matched

  • 8 - Input First name, Last name and Address matched

  • 9 - Input First name, Last name and SSN matched

  • 10 - Input First name, Address, and SSN matched

  • 11 - Input Last name, Address, and SSN matched

  • 12 - Input First name, Last name, Address and SSN matched

NAP Code

  • Matches Value

  • No Match

  • 0 - Nothing found for input criteria

  • 1 - Input Phone is associated with a different name and address

  • 2 - First name and Last name matched

  • 3 - First name and Address matched

  • 4 - First name and Phone matched

  • 5 - Last name and Address matched

  • 6 - Address and Phone matched

  • 7 - Last name and Phone matched

  • 8 - First name, Last name, and Address matched

  • 9 - First name, Last name, and Phone matched

  • 10 - First name, Address, and Phone matched

  • 11 - Last name, Address, and Phone matched

  • 12 - First name, Last name, Address, and Phone matched

Decedent Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for the decision.

SSN Match

  • Matches Value

  • No Match

  • B

  • F

  • G

  • M

  • O

  • R

  • S

  • U

  • X

  • Z

DOB Code

  • Matches Value

  • No Match

  • 0

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

PO Box Address

  • Truthy

  • Falsy

No value. Operators serves as the value.

Watch List Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for the decision.

Red Flag Code

  • Matches Value

  • No Match

  • 02 - The input SSN is reported as deceased

  • 03 - The input SSN was issued prior to the input dateof-birth

  • 04 - The input last name and SSN are verified, but not with the input address and phone

  • 06 - The input SSN is invalid or not yet issued

  • 07 - The input phone number may be disconnected

  • 08 - The input phone number is potentially invalid

  • 09 - The input phone number is a pager number

  • 10 - The input phone number is a mobile number

  • 11 - The input address may be invalid according to postal specifications

  • 12 - The input zip code belongs to a post office box

  • 15 - The input phone number matches a transient commercial or institutional address

  • 16 - The input phone number and input zip code combination is invalid

  • 19 - Unable to verify name, address, SSN/TIN and phone

  • 25 - Unable to verify address

  • 27 - Unable to verify phone number

  • 28 - Unable to verify date-of-birth

  • 29 - The input SSN/TIN may have been miskeyed

  • 30 - The input address may have been miskeyed

  • 31 - The input phone number may have been miskeyed

  • 38 - The input SSN is associated with multiple last

  • 39 - The input SSN is recently issued

  • 41 - The input driver's license number is invalid for the input DL State

  • 49 - The input phone and address are geographically distant (>10 miles)

  • 50 - The input address matches a prison address

  • 66 - The input SSN is associated with a different last name, same first name

  • 71 - The input SSN is not found in the public record

  • 72 - The input SSN is associated with a different name and address

  • 73 - The input phone number is not found in the public record

  • 74 - The input phone number is associated with a different name and address

  • 77 - The input name was missing

  • 78 - The input address was missing

  • 79 - The input SSN/TIN was missing or incomplete

  • 80 - The input phone was missing or incomplete

  • 81 - The input date of birth was missing or incomplete

  • 83 - The input date of birth may have been miskeyed

  • 89 - The input SSN was issued within the last three years

  • 90 - The input SSN was issued after age five (post-1990)

  • 91 - Security Freeze (CRA corrections database)

  • 93 - Identity Theft Alert (CRA corrections database)

  • CA - The primary input address is a Commercial Mail Receiving Agency

  • CO - The input zip code is a corporate only zip code

  • CZ - Address mismatch between city/state and zip code

  • DD - A different driver's license number has been found for the input applicant

  • DF - The input driver’s license number is valid and is not on record

  • DM - The input driver's license number may have been miskeyed

  • DV - Unable to verify driver's license number

  • IS - Input SSN possibly randomly issued by SSA, but invalid when first associated with the input identity

  • IT - The input SSN is an ITIN

  • MI - Multiple identities associated with the input SSN

  • MO - The input zip code is a military-only zip code

  • MS - Multiple SSNs reported with applicant names

  • NB - No date-of-birth reported for the input identity

  • PA - Potential address discrepancy - the Input address may be previous address

  • PO - The primary input address is a PO Box

  • SR - Address mismatch on secondary address range

  • VA - The input address is a vacant address

  • ZI - Unable to verify zip code

Consumer Instant ID (Basic)

 Click here to see all Sub-Decisions for Consumer Instant ID (Basic)

Sub-Decision

Description

Operators

Valid Values

CVI Code

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

  • No Match

  • 0 - Nothing verified

  • 10 - Critical ID elements not verified, are associated with different person(s), or indications such as OFAC matches, deceased/invalid SSN, SSN issued prior to DOB, etc. exist

  • 20 - Minimal verification, critical ID elements not verified or associated with different person(s)

  • 30 - Several ID elements verified

  • 40 - Last name, address and SSN or phone verified; first name, phone or SSN verification failures

  • 50 - Full name, address, phone, SSN verified

Risk Indicator Code

  • Matches Value

  • No Match

  • 02 - The input SSN is reported as deceased

  • 03 - The input SSN was issued prior to the input date-of-birth

  • 04 - The input last name and SSN are verified, but not with the input address and phone

  • 06 - The input SSN is invalid

  • 07 - The input phone number may be disconnected

  • 08 - The input phone number is potentially invalid

  • 09 - The input phone number is a pager number

  • 10 - The input phone number is a mobile number

  • 11 - The input address may be invalid according to postal specifications

  • 12 - The input zip code belongs to a post office box

  • 14 - The input address is a transient commercial or institutional address

  • 15 - The input phone number matches a transient commercial or institutional address

  • 16 - The input phone number and input zip code combination is invalid

  • 19 - Unable to verify name, address, SSN/TIN and phone

  • 25 - Unable to verify address

  • 26 - Unable to verify SSN/TIN

  • 27 - Unable to verify phone number

  • 28 - Unable to verify date-of-birth

  • 29 - The input SSN/TIN may have been miskeyed

  • 30 - The input address may have been miskeyed

  • 31 - The input phone number may have been miskeyed

  • 32 - The input name matches the OFAC file

  • 37 - Unable to verify name

  • 38 - The input SSN is associated with multiple last names

  • 39 - The input SSN is recently issued

  • 41 - The input driver's license number is invalid for the input DL State

  • 44 - The input phone area code is changing

  • 46 - The input work phone is a pager number

  • 48 - Unable to verify first name

  • 49 - The input phone and address are geographically distant (>10 miles)

  • 50 - The input address matches a prison address

  • 51 - The input last name is not associated with the input SSN

  • 52 - The input first name is not associated with the input SSN

  • 53 - The input home phone and work phone are geographically distant (>100 miles)

  • 55 - The input work phone is potentially invalid

  • 56 - The input work phone is potentially disconnected

  • 57 - The input work phone is a mobile number

  • 64 - The input address returns a different phone number

  • 66 - The input SSN is associated with a different last name, same first name

  • 71 - The input SSN is not found in the public record

  • 72 - The input SSN is associated with a different name and address

  • 74 - The input phone number is associated with a different name and address

  • 75 - The input name and address are associated with an unlisted/non-published phone number

  • 76 - The input name may have been miskeyed

  • 77 - The input name was missing

  • 78 - The input address was missing

  • 79 - The input SSN/TIN was missing or incomplete

  • 80 - The input phone was missing or incomplete

  • 81 - The input date-of-birth was missing or incomplete

  • 82 - The input name and address return a different phone number

  • 83 - The input date-of-birth may have been miskeyed

  • 85 - The input SSN was issued to a non-US citizen

  • 89 - The input SSN was issued within the last three years

  • 90 - The input SSN was issued after age five (post-1990)

  • CA - The primary input address is a Commercial Mail Receiving Agency

  • CL - The input SSN is not the primary SSN for the input identity

  • CO - The input zip code is a corporate only zip code

  • CZ - Address mismatch between city/state and zip code

  • DD - A different driver's license number has been found for the input applicant

  • DF - The input driver’s license number is valid and is not on record

  • DI - The input identity is reported as deceased

  • DM - The input driver's license number may have been miskeyed

  • DV - Unable to verify driver's license number

  • IS - Input SSN possibly randomly issued by SSA, but invalid when first associated with the input identity

  • IT - The input SSN is an ITIN

  • MI - Multiple identities associated with the input SSN

  • MO - The input zip code is a military only zip code

  • MS - Multiple SSNs reported with applicant

  • NB - No date-of-birth reported for the input identity

  • NF - The input first name and last name may have been flipped

  • PA - Potential address discrepancy - the Input address may be previous address

  • PO - The primary input address is a PO Box

  • RS - The input SSN was possibly randomly issued by the SSA

  • SD - The input address State is different than the LN best address State for the input identity

  • SR - Address mismatch on secondary address range

  • VA - The input address is a vacant address

  • WL - The input name matches one or more of the non-OFAC global screening list(s)

  • ZI - Unable to verify zip code

NAS Code

  • Matches Value

  • No Match

  • 0 - Nothing found for input criteria

  • 1 - Input SSN is associated with a different name and address

  • 2 - Input First name and Last Name matched

  • 3 - Input First name and Address matched

  • 4 - Input First name and SSN matched

  • 5 - Input Last name and Address matched

  • 6 - Input Address and SSN matched

  • 7 - Input Last name and SSN matched

  • 8 - Input First name, Last name and Address matched

  • 9 - Input First name, Last name and SSN matched

  • 10 - Input First name, Address, and SSN matched

  • 11 - Input Last name, Address, and SSN matched

  • 12 - Input First name, Last name, Address and SSN matched

NAP Code

  • Matches Value

  • No Match

  • 0 - Nothing found for input criteria

  • 1 - Input Phone is associated with a different name and address

  • 2 - First name and Last name matched

  • 3 - First name and Address matched

  • 4 - First name and Phone matched

  • 5 - Last name and Address matched

  • 6 - Address and Phone matched

  • 7 - Last name and Phone matched

  • 8 - First name, Last name, and Address matched

  • 9 - First name, Last name, and Phone matched

  • 10 - First name, Address, and Phone matched

  • 11 - Last name, Address, and Phone matched

  • 12 - First name, Last name, Address, and Phone matched

Decedent Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for the decision.

SSN Match

  • Matches Value

  • No Match

  • B

  • F

  • G

  • M

  • O

  • R

  • S

  • U

  • X

  • Z

DOB Code

  • Matches Value

  • No Match

  • 0

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

PO Box Address

  • Truthy

  • Falsy

No value. Operators serves as the value.

Watch List Match

Is Present

Yes

The operator serves as the value.

If any result is present, fail for the decision.

ThreatMetrix

 Click here to see all Sub-Decisions for ThreatMetrix

Sub-Decision

Description

Operators

Valid Values

Review Status

The Review Status of a transaction which is dependent upon the execution of the rules in the policy and the policy score obtained.

  • Matches Value

  • No Match

  • Pass

  • Reject

  • Review

  • Challenge

Policy Score

The policy score which is calculated as the sum of the individual risk weights of its rules.

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

Score values: -100 to +100

Reason Codes

The reason codes which indicate the rules that triggered during policy evaluation.

  • Matches Value

  • No Match

Risk Rating

The associated risk value based on policy score ranges determined in the policy settings.

  • Matches Value

  • No Match

  • High

  • Medium

  • Low

  • Neutral

  • Trusted

ThreatMetrix Transactions

 Click here to see all Sub-Decisions for ThreatMetrix Transactions

Sub-Decision

Description

Operators

Valid Values

Review Status

The Review Status of a transaction which is dependent upon the execution of the rules in the policy and the policy score obtained.

  • Matches Value

  • No Match

  • Pass

  • Reject

  • Review

  • Challenge

Policy Score

The policy score which is calculated as the sum of the individual risk weights of its rules.

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

Score values: -100 to +100

Reason Codes

The reason codes which indicate the rules that triggered during policy evaluation.

  • Matches Value

  • No Match

Risk Rating

The associated risk value based on policy score ranges determined in the policy settings.

  • Matches Value

  • No Match

  • High

  • Medium

  • Low

  • Neutral

  • Trusted

ThreatMetrix Emailage

 Click here to see all Sub-Decisions for ThreatMetrix Emailage

Sub-Decision

Description

Operators

Valid Values

Fraud Risk Score

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

0 – 999, with 0 representing very low risk and 999 representing very high risk.

Risk Reason

  • Matches Value

  • No Match

Risk Band

  • Matches Value

  • No Match

Digital Identity Score

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

Total Hits

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

Unique Hits Level

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

Fraud Type

  • Matches Value

  • No Match

Email Exists

  • Matches Value

  • No Match

Email Creation Days

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

First Seen Days

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

Name Match

  • Matches Value

  • No Match

Domain Risk Level

  • Matches Value

  • No Match

Domain Exists

  • Matches Value

  • No Match

Domain Relevant Info

  • Matches Value

  • No Match

Domain Creation Days

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

Domain Country Name

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

Domain Corporate

  • Matches Value

  • No Match

IP Risk Level

  • Matches Value

  • No Match

IP Risk Reason

  • Matches Value

  • No Match

Email To IP Confidence

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

  • No Match

  • Is Empty

Email to Phone Confidence

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

  • No Match

  • Is Empty

Email to Name Confidence

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

  • No Match

  • Is Empty

IP to Phone Confidence

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

  • No Match

  • Is Empty

IP to Name Confidence

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

  • No Match

  • Is Empty

Email Owner Friend Count

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

  • No Match

Phone Status

  • Matches Value

  • No Match

  • Is Empty

Phone Owner Match

  • Matches Value

  • No Match

  • Is Empty

Phone Carrier Type

  • Matches Value

  • No Match

  • Is Empty

Reason Codes

  • Matches Value

  • No Match

ThreatMetrix FraudPoint

 Click here to see all Sub-Decisions for ThreatMetrix FraudPoint

Sub-Decision

Description

Operators

Valid Values

Score

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

The three-digit score ranges from 300 (highest fraud risk) to 999 (lowest fraud risk).

Manipulated Identity Index

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

  • 9

Friendly Fraud Index

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

  • 9

Stolen Identity Index

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

  • 9

Suspicious Activity Index

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

  • 9

Synthetic Identity Index

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

  • 9

Vulnerable Victim Index

  • Greater Than or equal to threshold

  • Less Than or equal to threshold

  • Matches Value

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

  • 9

Risk Indicator Codes

  • Matches Value

  • No Match

  • MN

  • PH

  • RC

  • 9D

  • 9K

  • 10

Transaction Status

  • Matches Value

  • No Match

  • Passed

  • Failed

  • Incomplete

Transaction Reason Code

  • Matches Value

  • No Match

Product Status

  • Matches Value

  • No Match

  • Pass

  • Warn

  • Fail

Reason Codes

  • Matches Value

  • No Match

ThreatMetrix PhoneFinder

 Click here to see all Sub-Decisions for ThreatMetrix PhoneFinder

Sub-Decision

Description

Operators

Valid Values

Consumer Time Last Seen With Phones

Consumer Time with Phones

Deceased Indicators

  • N - No

  • Y - Yes

Phone Verification Message

  • Input phone number cannot be verified.

  • Input phone number matches name.

  • Input phone number matches name and address.

  • Input phone number matches last name.

Primary Identity Full Name

Primary Phone Carrier

Primary Phone Type

  • Landline

  • Cable

  • Possible Wireless

  • Possible VoIP

  • Other/Unknown

Primary Phone Risk Count High

Primary Phone Risk Count Medium

Primary Phone Risk Count Low

Primary Phone Risk Indicator Messages

  • Phone is not active with this person.

  • Phone # is a Prepaid Phone.

  • First Seen Date is within X and Y days (first date range).

  • First Seen Date is within X and Y days (second date range).

  • First Seen Date is within X and Y days (third date range).

  • Last Seen Date is older than "X" days.

  • Primary Phone is listed as a Business.

  • Primary Subject associated to the phone is deceased.

  • Primary address is zoned as Business.

  • Primary Phone Area Code is not in the same state as Primary Address.

  • Primary address is not the "Current" address for the Primary Subject.

  • Phone # has been ported within the past "X" days.

  • Phone # has been ported more than "X" times with this person.

  • Phone # has been spoofed within the past "X" days.

  • Phone # was the origination phone used to spoof another phone # within the past "X" days.

  • Phone # was the destination phone used in a spoofing activity within the past "X" days.

  • Phone # was the spoofed phone used in a spoofing activity within the past "X" days.

  • Phone # has had "X" search requests within the past "Y" days.

  • Phone # has received "X" OTP requests within the past "Y" days.

  • Phone # is associated with a No Contract Carrier.

  • Phone # has been ported in the last "Input A" to "Input B" days (second date range).

  • Phone # has been ported in the last "Input A" to "Input B" days (third date range).

  • Phone Service Type is VOIP.

  • Phone Service Type is Wireless.

  • Phone Service Type is Landline.

  • Phone # is currently being Forwarded.

  • Phone service type is Other/Unknown.

  • Phone service type is Cable.

  • No First Seen Date associated with Phone #.

  • No Last Seen Date associated with Phone #.

  • No First Seen and Last Seen Date associated with Phone #.

  • SIM Card Information has changed in the last "X" days.

  • Device Information has changed in the last "X" days.

  • Phone Number part of a recently rejected transaction in the Digital Identity Network.

  • Phone Number present on Digital Identity Blacklist.

  • Phone Number associated w/ fraud in the Digital Identity Network.

  • The Digital Identity associated with the phone number has a bad reputation.

  • Phone Number First Seen Recently in Digital Identity Network.

  • High Count of Devices Associated to Phone Number in Past Month.

  • High Count of Email Addresses Associated to Phone Number in Past Month.

  • Phone Seen in High Number of Countries in the Past Month.

  • Surname of Phone's Listing Name does not match Identity Found.

  • Phone linked to identity by self-reported sources only.

  • Phone Number is associated with more than "Input B" Identities.

  • No Phone Associated with Subject*.

  • No Identity*.

Primary Phone Risk Indicator Status

  • Pass

  • Warn

  • Fail

Primary Phone Status

  • Active

  • Inactive

Primary Phone Verification Indicator

  • Active

  • Inactive

Reason Codes

LegitScript Register

 Click here to see all Sub-Decisions for LegitScript Register

Sub-Decision

Description

Operators

Valid Values

Correlation ID

Is Empty

Yes

The operator serves as the value.

If the correlation ID is empty, fail for the decision.

Equifax Consumer Credit Report

 Click here to see all Sub-Decisions for Equifax Consumer Credit Report

Sub-Decision

Description

Operators

Valid Values

FICO Score

A FICO Score is a three-digit number based on the information in credit reports.

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Score values: 300 - 850

Reason Code

  • Matches Value

  • No Match

  • 00 - Returned when FICO® does not return a reason code (NO VERBIAGE RETURNED)

  • 01 - Amount owed on accounts is too high

  • 02 - Level of delinquency on accounts

  • 03 - Too few bank revolving accounts

  • 04 - Too many bank or national revolving accounts

  • 05 - Too many accounts with balances

  • 06 - Too many consumer finance company accounts

  • 07 - Account payment history is too new to rate

  • 08 - Too many inquiries last 12 months

  • 09 - Too many accounts recently opened

  • 10 - Ratio of balance to limit on bank revolving or other rev accts too high

  • 11 - Amount owed on revolving accounts is too high

  • 12 - Length of time revolving accounts have been established

  • 13 - Time since delinquency is too recent or unknown

  • 14 - Length of time accounts have been established

  • 15 - Lack of recent bank revolving information

  • 16 - Lack of recent revolving account information

  • 17 - No recent non-mortgage balance information

  • 18 - Number of accounts with delinquency

  • 19 - Too few accounts currently paid as agreed

  • 20 - Length of time since derogatory public record or collection is too short

  • 21 - Amount past due on accounts

  • 23 - Number of bank or national revolving accounts with balances

  • 24 - No recent revolving balances

  • 25 - Length of time installment loans have been established (Industry Scores only)

  • 26 - Number of revolving accounts (Industry Scores only)

  • 28 - Number of established accounts

  • 29 - No recent bank/national revolving balances

  • 30 - Time since most recent account opening is too short

  • 31 - Too few accounts with recent payment information

  • 32 - Lack of recent installment loan information

  • 33 - Proportion of loan balances to loan amounts is too high

  • 34 - Amount owed on delinquent accounts

  • 36 - Length of time open installment loans have been established

  • 38 - Serious delinquency, and derogatory public record or collection filed

  • 39 - Serious delinquency

  • 40 - Derogatory public record or collection filed

  • 53 - Amount paid down on open mortgage loans is too low

  • 55 - Amount paid down on open installment loans is too low

  • 58 - Proportion of balances to loan amounts on mortgage accounts is too high

  • 59 - Lack of recent revolving HELOC information

  • 62 - Proportion of balances to credit limits on revolving HELOC accounts is too high

  • 64 - Proportion of revolving HELOC balances to total revolving balances is too high

  • 65 - Length of time bank/national revolving accounts have been established

  • 67 - Length of time open mortgage loans have been established

  • 70 - Amount owed on mortgage loans is too high

  • 71 - Too many recently opened installment accounts

  • 77 - Proportion of balances to loan amounts on revolving auto accounts is too high

  • 78 - Length of time reported mortgage accounts have been established

  • 79 - Lack of recent reported mortgage loan information

  • 81 - Frequency of delinquency

  • 85 - Too few active accounts

  • 96 - Too many mortgage loans with balances

  • 98 - Lack of recent auto finance loan information (Industry Scores only)

  • 99 - Lack of recent consumer finance company account information (Industry Scores only)

  • 999 - Notification of absence of a reason code.

    • Note: This is a system code to the end user and not a reason code that would be returned to a consumer.

Charity Check

 Click here to see all Sub-Decisions for Charity Check

Sub-Decision

Description

Operators

Valid Values

Subsection Code

These are category codes that describe the type of tax exempt organization that a business belongs to.

  • Matches Value

  • No Match

  • 170(c)(1) Government Entity

  • 4947(a)(1) Non-Exempt Charitable Trusts (Private Foundation)

  • 4947(a)(1) Non-Exempt Charitable Trusts (Public Charity)

  • 4947(a)(2) Split-Interest Trust

  • 501(c)(1) Government Instrumentality

  • 501(c)(3) Private Non-Operating Foundation

  • 501(c)(3) Private Operating Foundation

  • 501(c)(3) Public Charity

  • 501(c)(4) Civic Leagues and Social Welfare Organizations

  • 501(c)(5) Labor, Agricultural and Horticultural Organizations

  • 501(c)(6) Business Leagues, etc.

  • 501(c)(7) Social and Recreation Clubs

  • 501(c)(8) Fraternal Beneficiary Societies

  • 501(c)(9) Employees Associations

  • 501(c)(10) Domestic Fraternal Societies

  • 501(c)(11) Teachers' Retirement Fund Associations

  • 501(c)(12) Local Benevolent Life Insurance Associations, Mutual Irrigation and Telephone Companies, and Like Co
    501(c)(13) Cemetery Companies

  • 501(c)(14) Credit Unions and Other Mutual Financial Organizations

  • 501(c)(15) Mutual Insurance Company other than Life or Marine

  • 501(c)(16) Corporations Financing Crop Operations

  • 501(c)(17) Supplemental Unemployment Compensations Trust or Plan

  • 501(c)(18) Employee Funded Pension Trust formed prior to June 1959

  • 501(c)(19) Post or Organizations of War Veterans

  • 501(c)(2) Title Holding Corporation

  • 501(c)(20) Group Legal Services Plan Organization

  • 501(c)(21) Black Lung Benefit Trusts

  • 501(c)(23) Veterans Association formed prior to 1880

  • 501(c)(24) Trust described in Section 4049 or ERISA

  • 501(c)(25) Title Holding Corporations for Multiple Organizations (Pensions, etc.)

  • 501(c)(26) State Sponsored High Risk Health Insurance Organization

  • 501(c)(27) State Sponsored Workers Compensation Reinsurances

  • 501(c)(29) ACA 1322 Qualified Nonprofit Health Insurance Issuers

  • 501(d) Apostolic and Religious Organizations
    501(e) Cooperative Hospital Service Organizations
    501(n) Charitable Risk Pools

  • 521(a) Farmers’ Cooperative

  • 527 Political Organizations

PUB78 Verified

You can check an organization's eligibility to receive tax-deductible charitable contributions which is known as "Pub. 78 Data".

  • Truthy

  • Falsy

No value. Operators serves as the value.

GIACT Inquiry

 Click here to see all Sub-Decisions for GIACT Inquiry

Sub-Decision

Description

Operators

Valid Values

Account Response Code

  • Matches Value

  • No Match

  • 0 - There is no AccountResponseCode value for this result.

  • 1 - Invalid Routing Number - The routing number supplied fails the validation test.

  • 2 - Invalid Account Number - The account number supplied fails the validation test.

  • 3 - Invalid Check Number - The check number supplied fails the validation test.

  • 4 - Invalid Amount - The amount supplied fails the validation test.

  • 5 - The account was found as active in your Private Bad Checks List.

  • 6 - The routing number belongs to a reporting bank; however, no positive nor negative information has been reported on the account number.

  • 7 - This account should be declined based on the risk factor being reported.

  • 8 - This item should be rejected based on the risk factor being reported.

  • 9 - Current negative data exists on this account. Accept transaction with risk. (Example: Checking or savings accounts in NSF status, recent returns, or outstanding items)

  • 10 - Non-Demand Deposit Account (post no debits), Credit Card Check, Line of Credit, Home Equity, or a Brokerage check.

  • 11

  • 12 - Account Verified – The account was found to be an open and valid checking account.

  • 13 - AMEX – The account was found to be an American Express Travelers Cheque account.

  • 14 - Non-Participant Provider – This account was reported with acceptable, positive data found in current or recent transactions.

  • 15 - Savings Account Verified – The account was found to be an open and valid savings account.

  • 16

  • 17

  • 18

  • 19 - Negative information was found in this account's history.

  • 20 - The routing number is reported as not currently assigned to a financial institution.

  • 21 - No positive or negative information has been reported on the account.

  • 22 - This routing number can only be valid for US Government financial institutions.

Customer Response Code

  • Matches Value

  • No Match

  • 0 - There is no CustomerResponseCode value for this result.

  • 1 - Information submitted failed gAuthenticate.

  • 2 - Customer authentication passed gAuthenticate.

  • 3 - The customer or business name data did not match gAuthenticate data.

  • 4 - The customer's TaxId (SSN/ITIN) data did not match gAuthenticate data.

  • 5 - The customer's address data did not match gAuthenticate data.

  • 6 - The customer's phone data did not match gAuthenticate data.

  • 7 - The customer's date of birth or ID data did not match gAuthenticate data.

  • 8 - Multiple secondary data points did not match gAuthenticate data.

  • 9 - Information submitted failed gIdentify/CustomerID.

  • 10 - N/A

  • 11 - Customer identification passed gIdentify/CustomerID.

  • 12 - The customer or business name data did not match gIdentify/CustomerID data.

  • 13 - The customer's TaxId (SSN/ITIN) data did not match gIdentify/CustomerID data.

  • 14 - The customer's address data did not match gIdentify/CustomerID data.

  • 15 - The customer's phone data did not match gIdentify/CustomerID data.

  • 16 - The customer's date of birth or ID data did not match gIdentify/CustomerID data.

  • 17 - Multiple secondary data points did not match gIdentify/CustomerID data.

  • 18 - No data was found matching the customer information provided.

Verification Response

  • Matches Value

  • No Match

  • 0 - There was an error with the inquiry. Check the ErrorMessage property for details.

  • 1 - The bank account in the inquiry was found on the API user's private bad check list.

  • 2 - The suggested action is to decline the bank account and/or customer data for this inquiry.

  • 3 - The suggested action is to not accept an item with the check number on this inquiry.

  • 4 - The suggested action is to further investigate or accept the bank account and/or customer data for this inquiry with known risk.

  • 5 - The suggested action is to further investigate the bank account and/or customer data for this inquiry due to a risk alert.

  • 6 - The suggested action is to accept the bank account and/or customer data for this inquiry.

  • 7 - The bank account in the inquiry is a Non-Demand Deposit account.

  • 8 - There was negative data found associated with the account.

  • 9 - No data was found for the bank account and/or customer data.

GIACT Transaction Inquiry

 Click here to see all Sub-Decisions for GIACT Transaction Inquiry

Sub-Decision

Description

Operators

Valid Values

Account Response Code

  • Matches Value

  • No Match

  • 0

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

  • 9

  • 10

  • 11

  • 12

  • 13

  • 14

  • 15

  • 16

  • 17

  • 18

  • 19

  • 20

  • 21

  • 22

Customer Response Code

  • Matches Value

  • No Match

  • 0

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

  • 9

  • 10

  • 11

  • 12

  • 13

  • 14

  • 15

  • 16

  • 17

  • 18

Verification Response

  • Matches Value

  • No Match

  • 0

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

  • 9

GIACT gAuthenticate

 Click here to see all Sub-Decisions for GIACT gAuthenticate

Sub-Decision

Description

Operators

Valid Values

Verification Result

  • Matches Value

  • No Match

  • 0

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

  • 9

Account Verification Result

  • Matches Value

  • No Match

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

  • 9

  • 10

  • 12

  • 14

  • 15

  • 19

  • 21

  • 22

Account Authentication Result

  • Matches Value

  • No Match

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

  • 18

Account Owner Signer

  • Matches Value

  • No Match

  • 0

  • 1

  • 2

GIACT Transaction gAuthenticate

 Click here to see all Sub-Decisions for GIACT Transaction gAuthenticate

Sub-Decision

Description

Operators

Valid Values

Verification Result

  • Matches Value

  • No Match

  • 0

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

  • 9

Account Verification Result

  • Matches Value

  • No Match

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

  • 9

  • 10

  • 12

  • 14

  • 15

  • 19

  • 21

  • 22

Account Authentication Result

  • Matches Value

  • No Match

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

  • 18

Account Owner Signer

  • Matches Value

  • No Match

  • 0

  • 1

  • 2

Payrix Payload Attribute

 Click here to see all Sub-Decisions for Payrix Payload Attribute

Sub-Decision

Description

Operators

Valid Values

Entity Type

  • Matches Value

  • No Match

  • 0

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

Entity Public

  • Matches Value

  • No Match

  • 0

  • 1

Entity Client IP

Is Empty

Entity TC Date

Is Empty

Entity TC Accept Date

Is Empty

Entity TC Version

Is Empty

Entity TIN Status

  • Matches Value

  • No Match

  • 0

  • 1

  • 2

  • 3

Entity Industry

Is Present

Merchant Environment

  • Matches Value

  • No Match

  • Supermarket

  • Moto (Mail Order / Telephone)

  • Card Present

  • Fuel

  • Service Station

  • Restaurant

  • eCommerce

Merchant Annual Credit Card Sales

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Volume

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Merchant Average Ticket

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Merchant Established Date

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

  • Is Empty

Merchant MCC

  • Matches Value

  • No Match

Plaid Verification

  • Truthy

  • Falsy

No value. Operators serves as the value.

Custom

  • Matches Value

  • No Match

  • Is Present

  • Is Empty

Members Significant Responsibility

Falsy

Members Politically Exposed

  • Matches Value

  • No Match

  • 1

Members SSN

  • Matches Value

  • Is Empty

TIN

  • Matches Value

  • Is Empty

Global Business ID

  • Matches Value

  • Is Empty

Email Domain

Matches Value

Routing Number

Matches Value

Change Request

Matches Value

Division ID

  • Matches Value

  • No Match

Payrix Payload Transaction Attribute

 Click here to see all Sub-Decisions for Payrix Payload Transaction Attribute

Sub-Decision

Description

Operators

Valid Values

Entity Type

  • Matches Value

  • No Match

  • 0

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

Entity Public

  • Matches Value

  • No Match

  • 0

  • 1

Entity Client IP

Is Empty

Entity TC Date

Is Empty

Entity TC Accept Date

Is Empty

Entity TC Version

Is Empty

Entity TIN Status

  • Matches Value

  • No Match

  • 0

  • 1

  • 2

  • 3

Entity Industry

Is Present

Merchant Environment

  • Matches Value

  • No Match

  • Supermarket

  • Moto (Mail Order / Telephone)

  • Card Present

  • Fuel

  • Service Station

  • Restaurant

  • eCommerce

Merchant Annual Credit Card Sales

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Volume

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Merchant Average Ticket

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Merchant Established Date

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

  • Is Empty

Merchant MCC

  • Matches Value

  • No Match

Plaid Verification

  • Truthy

  • Falsy

No value. Operators serves as the value.

Custom

  • Matches Value

  • No Match

  • Is Present

  • Is Empty

Transaction Payment Method

  • Matches Value

  • No Match

  • Amex

  • Visa

  • Mastercard

  • Diners Club

  • Discover

  • PayPal

  • Debit

  • Checking

  • Savings

  • Corporate Checking

  • Corporate Savings

  • Gift Card

  • EBT

  • WIC

Transaction Total

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Routing Number

Matches Value

Imported

  • Matches Value

  • No Match

  • 0

  • 1

Type

  • Matches Value

  • No Match

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

  • 9

  • 10

  • 11

  • 12

Card on File Type

  • Matches Value

  • No Match

  • Single

  • Scheduled

  • Unscheduled

Origin

  • Matches Value

  • No Match

  • 1

  • 2

  • 3

  • 4

  • 5

  • 6

  • 7

  • 8

Token

  • Is Present

  • Is Empty

Risk Rating

 Click here to see all Sub-Decisions for Risk Rating

Sub-Decision

Description

Operators

Valid Values

Credit Card Exposure

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

  • Matches Value

  • No Match

Credit Risk Level

  • Matches Value

  • No Match

  • Low

  • Medium

  • High

  • Prohibited

  • Restricted

Total Exposure

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

  • Matches Value

  • No Match

ACH Exposure

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

  • Matches Value

  • No Match

AML Risk Level

  • Matches Value

  • No Match

  • Low

  • Medium

  • High

  • Prohibited

  • Restricted

AML Score

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

  • Matches Value

  • No Match

AML Risk Category

  • Matches Value

  • No Match

  • High

  • Medium

  • Low

Transaction Size

 Click here to see all Sub-Decisions for Transaction Size

Sub-Decision

Description

Operators

Valid Values

Transaction Total

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Transaction Attribute

 Click here to see all Sub-Decisions for Transaction Attribute

Sub-Decision

Description

Operators

Valid Values

Transaction Token

  • Matches Value

  • No Match

Transaction CVV Status

  • Matches Value

  • No Match

Transaction CVV Sent

  • Matches Value

  • No Match

Transaction Card-on-File Type

  • Matches Value

  • No Match

Transaction Auth Code

  • Matches Value

  • No Match

Transaction IP Created

  • Matches Value

  • No Match

Transaction Type

  • Matches Value

  • No Match

  • 1

  • 2

  • 3

  • 4

  • 5

  • 7

  • 8

  • 9

  • 10

  • 11

Merchant Last Activity

Days Passed

Transaction Authorization

 Click here to see all Sub-Decisions for Transaction Authorization

Sub-Decision

Description

Operators

Valid Values

Auth Code

Is Empty

AVS Response

 Click here to see all Sub-Decisions for AVS Response

Sub-Decision

Description

Operators

Valid Values

Transaction Result AVS Code

  • Matches Value

  • No Match

  • 5

  • 6

  • 19

  • 24

  • 25

  • 26

Country Block

 Click here to see all Sub-Decisions for Country Block

Sub-Decision

Description

Operators

Valid Values

Country Code

  • Matches Value

  • No Match

  • ABW - Aruba

  • AFG - Afghanistan

  • AGO - Angola

  • AIA - Anguilla

  • ALA - Aland Islands

  • ALB - Albania

  • AND - Andorra

  • ARE - United Arab Emirates

  • ARG - Argentina

  • ARM - Armenia

  • ASM - American Samoa (US Territory)

  • ATA - Antarctica

  • ATF - French Southern Territories

  • ATG - Antigua and Barbuda

  • AUS - Australia

  • AUT - Austria

  • AZE - Azerbaijan

  • BDI - Burundi

  • BEL - Belgium

  • BEN - Benin

  • BES - Bonaire, Sint Eustatius and Saba

  • BFA - Burkina Faso

  • BGD - Bangladesh

  • BGR - Bulgaria

  • BHR - Bahrain

  • BHS - Bahamas

  • BIH - Bosnia and Herzegovina

  • BLM - Saint Barthélemy

  • BLR - Belarus

  • BLZ - Belize

  • BMU - Bermuda

  • BOL - Bolivia, Plurinational State of

  • BRA - Brazil

  • BRB - Barbados

  • BRN - Brunei Darussalam

  • BTN - Bhutan

  • BVT - Bouvet Island

  • BWA - Botswana

  • CAF - Central African Republic

  • CAN - Canada

  • CCK - Cocos (Keeling) Islands

  • CHE - Switzerland

  • CHL - Chile

  • CHN - China

  • CIV - Côte d’Ivoire

  • CMR - Cameroon

  • COD - Congo, the Democratic Republic of the

  • COG - Congo

  • COK - Cook Islands

  • COL - Colombia

  • COM - Comoros

  • CPV - Cape Verde

  • CRI - Costa Rica

  • CUB - Cuba

  • CUW - Curaçao

  • CXR - Christmas Island

  • CYM - Cayman Islands

  • CYP - Cyprus

  • CZE - Czech Republic

  • DEU - Germany

  • DJI - Djibouti

  • DMA - Dominica

  • DNK - Denmark

  • DOM - Dominican Republic

  • DZA - Algeria

  • ECU - Ecuador

  • EGY - Egypt

  • ERI - Eritrea

  • ESH - Western Sahara

  • ESP - Spain

  • EST - Estonia

  • ETH - Ethiopia

  • FIN - Finland

  • FJI - Fiji

  • FLK - Falkland Islands (Malvinas)

  • FRA - France

  • FRO - Faroe Islands

  • FSM - Micronesia, Federated States of (US Territory)

  • GAB - Gabon

  • GBR - United Kingdom

  • GEO - Georgia

  • GGY - Guernsey

  • GHA - Ghana

  • GIB - Gibraltar

  • GIN - Guinea

  • GLP - Guadeloupe

  • GMB - Gambia

  • GNB - Guinea-Bissau

  • GNQ - Equatorial Guinea

  • GRC - Greece

  • GRD - Grenada

  • GRL - Greenland

  • GTM - Guatemala

  • GUF - French Guiana

  • GUM - Guam (US Territory)

  • GUY - Guyana

  • HKG - Hong Kong

  • HMD - Heard Island and McDonald Islands

  • HND - Honduras

  • HRV - Croatia

  • HTI - Haiti

  • HUN - Hungary

  • IDN - Indonesia

  • IMN - Isle of Man

  • IND - India

  • IOT - British Indian Ocean Territory

  • IRL - Ireland

  • IRN - Iran, Islamic Republic of

  • IRQ - Iraq

  • ISL - Iceland

  • ISR - Israel

  • ITA - Italy

  • JAM - Jamaica

  • JEY - Jersey

  • JOR - Jordan

  • JPN - Japan

  • KAZ - Kazakhstan

  • KEN - Kenya

  • KGZ - Kyrgyzstan

  • KHM - Cambodia

  • KIR - Kiribati

  • KNA - Saint Kitts and Nevis

  • KOR - Korea, Republic of

  • KWT - Kuwait

  • LAO - Lao People's Democratic Republic

  • LBN - Lebanon

  • LBR - Liberia

  • LBY - Libya

  • LCA - Saint Lucia

  • LIE - Liechtenstein

  • LKA - Sri Lanka

  • LSO - Lesotho

  • LTU - Lithuania

  • LUX - Luxembourg

  • LVA - Latvia

  • MAC - Macao

  • MAF - Saint Martin (French Region)

  • MAR - Morocco

  • MCO - Monaco

  • MDA - Moldova, Republic of

  • MDG - Madagascar

  • MDV - Maldives

  • MEX - Mexico

  • MHL - Marshall Islands (US Territory)

  • MKD - Macedonia, the former Yugoslav Republic of

  • MLI - Mali

  • MLT - Malta

  • MMR - Myanmar

  • MNE - Montenegro

  • MNG - Mongolia

  • MNP - Northern Mariana Islands (US Territory)

  • MOZ - Mozambique

  • MRT - Mauritania

  • MSR - Montserrat

  • MTQ - Martinique

  • MUS - Mauritius

  • MWI- Malawi

  • MYS - Malaysia

  • MYT - Mayotte

  • NAM - Namibia

  • NCL - New Caledonia

  • NER - Niger

  • NFK - Norfolk Island

  • NGA - Nigeria

  • NIC - Nicaragua

  • NIU - Niue

  • NLD - Netherlands

  • NOR - Norway

  • NPL - Nepal

  • NRU - Nauru

  • NZL - New Zealand

  • OMN - Oman

  • PAK - Pabkistan

  • PAN - Panama

  • PCN - Pitcairn

  • PER - Peru

  • PHL - Philippines

  • PLW - Palau (US Territory)

  • PNG - Papua New Guinea

  • POL - Poland

  • PRI - Puerto Rico (US Territory)

  • PRK - Korea, Democratic People's Republic of

  • PRT - Portugal

  • PRY - Paraguay

  • PSE - Palestine, State of

  • PYF - French Polynesia

  • QAT - Qatar

  • REU - Réunion

  • ROU - Romania

  • RUS - Russian Federation

  • RWA - Rwanda

  • SAU - Saudi Arabia

  • SDN - Sudan

  • SEN - Senegal

  • SGP - Singapore

  • SGS - South Georgia and the South Sandwich Islands

  • SHN - Saint Helena, Ascension and Tristan da Cunha

  • SJM - Svalbard and Jan Mayen

  • SLB - Solomon Islands

  • SLE - Sierra Leone

  • SLV - El Salvador

  • SMR - San Marino

  • SOM - Somalia

  • SPM - Saint Pierre and Miquelon

  • SRB - Serbia

  • SSD - South Sudan

  • STP - Sao Tome and Principe

  • SUR - Suriname

  • SVK - Slovakia

  • SVN - Slovenia

  • SWE - Sweden

  • SWZ - Swaziland

  • SXM- Sint Maarten (Dutch Region)

  • SYC - Seychelles

  • SYR - Syrian Arab Republic

  • TCA - Turks and Caicos Islands

  • TCD - Chad

  • TGO - Togo

  • THA - Thailand

  • TJK - Tajikistan

  • TKL - Tokelau

  • TKM - Turkmenistan

  • TLS - Timor-Leste

  • TON - Tonga

  • TTO - Trinidad and Tobago

  • TUN - Tunisia

  • TUR - Turkey

  • TUV - Tuvalu

  • TWN - Taiwan, Province of China

  • TZA - Tanzania, United Republic of

  • UGA - Uganda

  • UKR - Ukraine

  • UMI - United States Minor Outlying Islands (US Territory)

  • URY - Uruguay

  • USA - United States

  • UZB - Uzbekistan

  • VAT - Holy See (Vatican City State)

  • VCT - Saint Vincent and the Grenadines

  • VEN - Venezuela, Bolivarian Republic of

  • VGB - Virgin Islands, British

  • VIR - Virgin Islands, U.S. (US Territory)

  • VNM - Viet Nam

  • VUT - Vanuatu

  • WLF - Wallis and Futuna

  • WSM - Samoa

  • XXK - Kosovo

  • YEM - Yemen

  • ZAF - South Africa

  • ZMB - Zambia

  • ZWE - Zimbabwe

Transaction Metrics

 Click here to see all Sub-Decisions for Transaction Metrics

Sub-Decision

Description

Operators

Valid Values

Daily All Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily All Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Declined Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Declined Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Card Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Card Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Declined Card Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Declined Card Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Cards Present Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Cards Present Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Declined Cards Present Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Declined Cards Present Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Cards-Not-Present Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Cards-Not-Present Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Declined Cards-Not-Present Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Declined Cards-Not-Present Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Bank Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Bank Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Declined Bank Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Declined Bank Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Refunds Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Refunds Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Declined Refunds Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Declined Refunds Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Sales

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Bad Authentications

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Daily Successful Authentications

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly All Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly All Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Declined Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Declined Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Card Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Card Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Declined Card Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Declined Card Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Cards Present Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Cards Present Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

WeeklyDeclined Cards Present Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Declined Cards Present Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Cards-Not-Present Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Cards-Not-Present Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Declined Cards-Not-Present Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Declined Cards Not Present Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Bank Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Bank Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Declined Bank Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Declined Bank Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Refunds Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Refunds Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Declined Refunds Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Declined Refunds Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Sales

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Bad Authentications

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Weekly Successful Authentications

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly All Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly All Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Declined Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Declined Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Card Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Card Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Declined Card Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Declined Card Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Cards Present Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Cards Present Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Declined Cards Present Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Declined Cards Present Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Cards-Not-Present Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Cards-Not-Present Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Declined Cards-Not-Present Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Declined Cards-Not-Present Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

MonthlyBank Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

MonthlyBank Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Declined Bank Transactions Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Declined Bank Transactions Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Refunds Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Refunds Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Declined Refunds Count

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Declined Refunds Amount

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Bad Authentications

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Monthly Successful Authentications

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

TIN Check

 Click here to see all Sub-Decisions for TIN Check

Sub-Decision

Description

Operators

Valid Values

TIN Score

A score indicating the confidence in the TIN Match Code

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Status Code

A status code indicating the match or mismatch of the TIN Matching service.

Matches Value

  • 0

  • 2

  • 3

  • 4

  • 5

  • 9

  • 10

  • 100

Trulioo Identity Document Verification (IDV)

 Click here to see all Sub-Decisions for Identity Document Verification

Sub-Decision

Description

Operators

Valid Values

Record Status

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Surname

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Given Name

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Address Line 1

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Postal Code

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Day of Birth

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Month of Birth

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Year of Birth

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Telephone Number

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

State or Province Code

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Email Address

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Trulioo Business Verification

 Click here to see all Sub-Decisions for Trulioo Business Verification

Sub-Decision

Description

Operators

Valid Values

Record Status

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Address Line 1

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Postal Code

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

City

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

State or Province Code

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Business Name

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Business Registration Number

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Jurisdicition of Incorporation

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

TIN

Tax ID Number

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Found in Directors Officers

  • Truthy

  • Falsy

No value. Operators serves as the value.

Found in Company Ownership

  • Truthy

  • Falsy

No value. Operators serves as the value.

Trulioo Async Business Verification

 Click here to see all Sub-Decisions for Async Business Verification

Sub-Decision

Description

Operators

Valid Values

Record Status

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Address Line 1

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Postal Code

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

City

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

State or Province Code

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Business Name

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Business Registration Number

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Jurisdicition of Incorporation

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

TIN

Tax ID Number

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Found in Directors Officers

  • Truthy

  • Falsy

No value. Operators serves as the value.

Found in Company Ownership

  • Truthy

  • Falsy

No value. Operators serves as the value.

Trulioo Anti-Money Laundering Identity Document Verification (AML IDV)

 Click here to see all Sub-Decisions for Trulioo Anti-Money Laundering Identity Document Verification

Sub-Decision

Description

Operators

Valid Values

Record Status

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Surname

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Given Name

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Address Line 1

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Postal Code

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Day of Birth

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Month of Birth

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Year of Birth

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Telephone Number

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

State or Province Code

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Email Address

  • Matches Value

  • No Match

  • No Match

  • Match

  • Missing

Plaid Get Identity

 Click here to see all Sub-Decisions for Plaid Get Identity

Sub-Decision

Description

Operators

Valid Values

Available

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Current

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

ISO Currency Code

  • Matches Value

  • No Match

  • Is Empty

  • USA

  • CAN

Unofficial Currency Code

  • Is Present

  • Is Empty

Official Name

  • Matches Value

  • No Match

Type

  • Matches Value

  • No Match

  • Depository

  • Credit

  • Loan

  • Investment

  • Other

Depository Subtype

  • Matches Value

  • No Match

  • Checking

  • Savings

  • Health Savings (HSA)

  • Certificate of Deposit (CD)

  • Money Market

  • PayPal

  • Prepaid

  • Cash Management

  • EBT

  • Other

Phone-Email Mismatch

  • Truthy

  • Falsy

No value. Operators serves as the value.

Email-Zip Code Mismatch

  • Truthy

  • Falsy

No value. Operators serves as the value.

Plaid Identity Match

 Click here to see all Sub-Decisions for Plaid Identity Match

Sub-Decision

Description

Operators

Valid Values

Legal Name Score

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Phone Number Score

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Email Address Score

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Address Score

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Business Name Detected

  • Truthy

  • Falsy

No value. Operators serves as the value.

First or Last Name Match

  • Truthy

  • Falsy

No value. Operators serves as the value.

Postal Code Match

  • Truthy

  • Falsy

No value. Operators serves as the value.

Plaid Transaction Identity Match

 Click here to see all Sub-Decisions for Plaid Transaction Identity Match

Sub-Decision

Description

Operators

Valid Values

Legal Name Score

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Phone Number Score

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Email Address Score

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Address Score

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Business Name Detected

  • Truthy

  • Falsy

No value. Operators serves as the value.

First or Last Name Match

  • Truthy

  • Falsy

No value. Operators serves as the value.

Postal Code Match

  • Truthy

  • Falsy

No value. Operators serves as the value.

Plaid Transaction Get Identity

 Click here to see all Sub-Decisions for Plaid Transaction Get Identity

Sub-Decision

Description

Operators

Valid Values

Available

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Current

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

ISO Currency Code

  • Matches Value

  • No Match

  • Is Empty

  • USA

  • CAN

Unofficial Currency Code

  • Is Present

  • Is Empty

Official Name

  • Matches Value

  • No Match

Type

  • Matches Value

  • No Match

  • Depository

  • Credit

  • Loan

  • Investment

  • Other

Depository Subtype

  • Matches Value

  • No Match

  • Checking

  • Savings

  • Health Savings (HSA)

  • Certificate of Deposit (CD)

  • Money Market

  • PayPal

  • Prepaid

  • Cash Management

  • EBT

  • Other

Phone-Email Mismatch

  • Truthy

  • Falsy

No value. Operators serves as the value.

Email-Zip Code Mismatch

  • Truthy

  • Falsy

No value. Operators serves as the value.

Plaid Transaction Get Authorization (Auth)

 Click here to see all Sub-Decisions for Plaid Transaction Get Authorization (Auth)

Sub-Decision

Description

Operators

Valid Values

Available

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Current

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Limit

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

ISO Currency Code

  • Matches Value

  • No Match

  • Is Empty

  • USA

  • CAN

Unofficial Currency Code

  • Is Present

  • Is Empty

Last Updated Date and Time

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

Official Name

  • Matches Value

  • No Match

Type

  • Matches Value

  • No Match

  • Depository

  • Credit

  • Loan

  • Investment

  • Other

Depository Subtype

  • Matches Value

  • No Match

  • Checking

  • Savings

  • Health Savings (HSA)

  • Certificate of Deposit (CD)

  • Money Market

  • PayPal

  • Prepaid

  • Cash Management

  • EBT

  • Other

Verification Status

  • Matches Value

  • No Match

  • Automatically Verified

  • Pending Automatic Verification

  • Pending Manual Verification

  • Manually Verified

  • Verification Expired

  • Verification Failed

Insufficient Funds

  • Truthy

  • Falsy

No value. Operators serves as the value.

Baseline Transaction Metrics Outlier Ticket Size

 Click here to see all Sub-Decisions for Baseline Transaction Metrics Outlier Ticket Size

Sub-Decision

Description

Operators

Valid Values

Outlier Ticket Size

  • Truthy

  • Falsy

No value. Operators serves as the value.

Transaction Number

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

  • Matches Value

  • No Match

Transaction Percentile

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

  • Matches Value

  • No Match

Transaction Base

  • Greater than or equal to threshold.

  • Less than or equal to threshold.

  • Matches Value

  • No Match

  • No labels