List KYC results for a user - Marqeta Docs

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Use this endpoint to retrieve all KYC results for a user. This endpoint supports pagination.

User KYC failure codes

The following table lists KYC failure codes potentially returned in the response when a user does not pass verification. It also includes a list of acceptable documents that your customers can submit to resolve failures.

Failure Code and State	Description	Accepted Documents
AddressIssue `failure`	Missing, invalid, mismatched, or PO Box address.	One of the following documents. Document must show the full name and address: - Unexpired state-issued driver’s license or identification card - US Military Identification Card - Utility bill - Bank statement - Current rental or lease agreement - Mortgage statement
DateOfBirthIssue `failure`	Invalid or mismatched date of birth.	Unexpired government-issued photo identification that shows name and date of birth: - Driver’s license or state-issued identification card - Passport
Denied KYC `failure`	KYC denied for cardholder.	This outcome requires a manual review by Marqeta to determine the next appropriate step. Contact your Marqeta representative.
DocumentIssue `failure`	Quality or risk concern with one or more uploaded documents.	This outcome requires a manual review by Marqeta to determine the next appropriate step. Contact your Marqeta representative.
EmailIssue `failure`	Invalid, insufficient, mismatched, or other risk signal on provided email address.	Unexpired government-issued photo identification that shows name and date of birth: - Driver’s license or state-issued identification card - US Passport - US Military identification Card - Native American tribal identification card - Government employee identification card - Permanent Resident Alien Card
NameIssue `failure`	Invalid or mismatched name.	Unexpired government-issued photo identification that has name and date of birth: - Driver’s license or state-issued identification card - Passport or US passport card
NoRecordFound `failure`	No records were found for this individual.	As no record was found for this individual, supporting documentation must be provided for each attribute (name, date of birth, address, and SSN): - To verify an individual’s address, provide one of these documents: - Unexpired state-issued driver’s license or identification card - US Military Identification Card - Utility bill - Bank statement - Current rental or lease agreement - Mortgage statement - To verify an individual’s name and date of birth, provide one of these documents: - Driver’s license or state-issued identification card - Passport - To verify an individual’s Social Security Number, provide one of these documents: - Social Security card - Recent W-2 or 1099 showing nine-digit SSN, full name, and address - ITIN card or document showing ITIN approval
OFACFailure `failure`	Appears on an Office of Foreign Assets Control (OFAC) list.	This outcome requires a manual review by Marqeta to determine the next appropriate step. Contact your Marqeta representative.
PhoneIssue `failure`	Invalid, insufficient, mismatched, or other risk signal on provided phone number.	Unexpired government-issued photo identification that shows name and date of birth: - Driver’s license or state-issued identification card - US Passport - US Military identification Card - Native American tribal identification card - Government employee identification card - Permanent Resident Alien Card
RiskIssue `failure`	Appears on a non-OFAC screening list, bankruptcy, or alert list, or has an insufficient record.	This outcome requires a manual review by Marqeta to determine the next appropriate step. Contact your Marqeta representative.
SSNIssue `failure`	Missing, invalid, or mismatched SSN.	- Social Security card - Recent W-2 or 1099 showing nine-digit SSN, full name, and address - ITIN card or document showing ITIN approval
warm address alert `failure`	Address is a PO box or other post office address, virtual address, UPS store, mail forward, or mail drop. Such addresses are not valid for KYC verification.	One of the following documents. Document must show the full name and valid street address: - US Military Identification Card - Utility bill - Current rental or lease agreement - Mortgage statement
Watchlist `failure`	Appears on government watchlist (such as OFAC) or other relevant watchlists.	This outcome requires a manual review by Marqeta to determine the next appropriate step. Contact your Marqeta representative.

URL path parameters

Fields	Description
user_token string Required	Unique identifier of the user resource for which you want to retrieve KYC verification results. Allowable Values: Existing user resource token

URL query parameters

Fields	Description
count integer Optional	Number of resources to retrieve. Allowable Values: 1-10
start_index integer Optional	Sort order index of the first resource in the returned array. Allowable Values: Any integer
fields string Optional	Comma-delimited list of fields to return (`field_1,field_2`, and so on). Leave blank to return all fields. Allowable Values: Comma-delimited list of fields, or blank
sort_by string Optional	Field on which to sort. Use any field in the resource model, or one of the system fields `lastModifiedTime` or `createdTime`. Prefix the field name with a hyphen (`-`) to sort in descending order. Omit the hyphen to sort in ascending order. Allowable Values: `createdTime`, `lastModifiedTime`, or any field in the resource model Default value: `-createdTime`

Response body

Fields	Description
count integer Conditionally returned	Number of resources in the returned array. This field is returned if there are resources in your returned array. Allowable Values: 1-10
data array of objects Conditionally returned	Array of KYC verification response objects. Objects are returned as appropriate to your query. Allowable Values: Valid array of one or more KYC verification response objects
data[].business_token string Conditionally returned	The business account holder on which the identity check was performed. Allowable Values: Existing business token
data[].created_time datetime Returned	Time when the KYC verification was performed. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
data[].last_modified_time datetime Returned	Time when the KYC verification was last updated. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
data[].manual_override boolean Conditionally returned	If `true`, the user account holder is designated as having passed a verification check without Marqeta performing the check. This override is used when verification is performed through another mechanism, such as an alternative KYC provider or directly with the account holder. Allowable Values: `true`, `false`
data[].notes string Conditionally returned	Notes pertaining to a manual override. This field is included in the response only when the `manual_override` field is set to `true`. Allowable Values: 255 char max
data[].reference_id string Conditionally returned	If you verified the account holder’s identity by performing a KYC verification outside of the Marqeta platform, you can use the `reference_id` field to store the reference number returned by that KYC provider. This field is included in the response only when the `manual_override` field is set to `true`. NOTE: When you submit a KYC verification request with `manual_override=false`, the Marqeta platform performs the verification through one of its KYC providers. If the KYC provider responds with a reference identifier, that identifier is passed to you by way of this field in the response. Allowable Values: 32 char max
data[].result object Conditionally returned	Contains information about the KYC verification result. Allowable Values: Existing KYC verification object
data[].result.codes array of objects Conditionally returned	An array of KYC verification result code objects. Allowable Values: One or more KYC verification result code objects
data[].result.codes[].code string Conditionally returned	For any `pending` or `failure` outcome, see the User KYC failure codes table, the Outcome reasons for the business table, or the Outcome reasons for individuals associated with a business table. Allowable Values: `AddressIssue`, `DateofBirthIssue`, `Denied KYC`, `NameIssue`, `NoRecordFound`, `OFACFailure`, `RiskIssue`, `SSNIssue`, `warm address alert`, `Watchlist`
data[].result.codes[].message string Conditionally returned	Result code description. Allowable Values: 255 char max
data[].result.status string Conditionally returned	KYC verification status. Allowable Values: `success`, `failure`, `pending`
data[].token string Conditionally returned	The unique identifier of the identity check. Allowable Values: Existing identity check token
data[].user_token string Conditionally returned	The user account holder on which the identity check was performed. Allowable Values: Existing user token
end_index integer Conditionally returned	Sort order index of the last resource in the returned array. This field is returned if there are resources in your returned array. Allowable Values: Any integer
is_more boolean Conditionally returned	A value of `true` indicates that more unreturned resources exist. A value of `false` indicates that no more unreturned resources exist. This field is returned if there are resources in your returned array. Allowable Values: `true`, `false`
start_index integer Conditionally returned	Sort order index of the first resource in the returned array. This field is returned if there are resources in your returned array. Allowable Values: Any integer

Sample response body

JSON

{
  "count": 2,
  "start_index": 0,
  "end_index": 1,
  "is_more": false,
  "data": [
    {
      "created_time": "2025-03-07T23:17:36Z",
      "last_modified_time": "2025-03-07T23:17:36Z",
      "token": "my_user_01_kyc_02",
      "user_token": "my_user_01",
      "result": {
        "status": "success"
      },
      "manual_override": false
    },
    {
      "created_time": "2025-03-08T18:00:00Z",
      "last_modified_time": "2025-03-08T18:00:00Z",
      "token": "my_user_01_kyc_01",
      "user_token": "my_user_01",
      "result": {
        "status": "failure"
      },
      "manual_override": false
    }
  ]
}