> ## Documentation Index > Fetch the complete documentation index at: https://www.marqeta.com/docs/llms.txt > Use this file to discover all available pages before exploring further. # List KYC results for a user > Use this endpoint to retrieve all KYC results for a user. GET/kyc/user/\{user\_token} Use this endpoint to retrieve all KYC results for a user. This endpoint supports [pagination](https://www.marqeta.com/docs/core-api/sorting-and-pagination.md). ## 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](https://www.marqeta.com/docs/core-api/kyc-verification/list-results-user.md#_user_kyc_failure_codes) table, the [Outcome reasons for the business](https://www.marqeta.com/docs/core-api/kyc-verification/list-results-business.md#_outcome_reasons_for_the_business) table, or the [Outcome reasons for individuals associated with a business](https://www.marqeta.com/docs/core-api/kyc-verification/list-results-business.md#_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 JSON expandable lines wrap theme={null} { "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 } ] } ``` ## Related topics - [KYC Verification Overview](https://www.marqeta.com/docs/core-api/kyc-verification.md) - [List KYC results for a business](https://www.marqeta.com/docs/core-api/kyc-verification/list-results-business.md) - [About KYC Verification](https://www.marqeta.com/docs/developer-guides/about-kyc.md) - [Retrieve KYC result](https://www.marqeta.com/docs/core-api/kyc-verification/retrieve-result.md) - [Perform KYC verification](https://www.marqeta.com/docs/core-api/kyc-verification/perform.md)