KYC Verification

Use the /kyc endpoint to perform Know Your Customer (KYC) verification tasks for your account holders. This endpoint can only be used to perform KYC verification for individuals or businesses in the United States. For more information about KYC verification, see About KYC Verification. For more information about account holders, see About Account Holders.

Perform KYC verification

Action: POST
Endpoint: /kyc Use this endpoint to verify the identity of an account holder in the United States, either a user or a business. You can perform KYC verification on an account holder, provided the following are true:

The KYC status of the account holder is UNVERIFIED, LIMITED, or ACTIVE.
The account holder has not been submitted for KYC verification more than twice.

Required fields

In order to perform KYC verification, the user or business resource on which you perform the check must have the following fields configured with valid values:

User Fields Required for KYC	Business Fields Required for KYC
- `first_name` (legal first name only, no prefixes) - `last_name` (legal last name only, no suffixes) - `address1` (cannot be a PO Box) - `city` - `state` - `postal_code` - `country` - `birth_date` - `identifications` (nine digits, no delimiters) - `email` (required in some cases) - `phone` (required in some cases)	- `business_name_legal` (128 char max) - `business_name_dba` (“Doing Business As” or fictitious business name; enter the legal business name in this field if your business does not use a fictitious business name) - `office_location` (cannot be a PO Box; `state` field must use a valid state, provincial, territorial, or federal abbreviation) - `identifications` (nine digits, no delimiters) - `incorporation.incorporation_type` - `incorporation.state_of_incorporation` - `date_established` - `proprietor_or_officer` - `beneficial_owner` (maximum of four beneficial owners) - `proprietor_is_beneficial_owner` (required if the business proprietor or officer is also a beneficial owner) - `attestation_consent` - `attester_name` - `attestation_date` - `general_business_description`

Valid state, provincial, territorial, and federal abbreviations

The following list includes all valid two-letter abbreviations for US states, territories, and military (APO/FPO/DPO) addresses. It also includes two-letter abbreviations for Canadian provinces and territories and three-letter abbreviations for supported countries. State, provincial, territorial, and federal abbreviations are case sensitive, and must be in uppercase as they appear in this list:

AL: Alabama
AK: Alaska
AB: Alberta
AS: American Samoa
AZ: Arizona
AR: Arkansas
AE: Armed Forces
AA: Armed Forces Americas
AP: Armed Forces Pacific
BC: British Columbia
CA: California
CAN: Canada
CO: Colorado
CT: Connecticut
DE: Delaware
DC: District of Columbia
FL: Florida
GA: Georgia
GU: Guam
HI: Hawaii
ID: Idaho
IL: Illinois
IN: Indiana
IA: Iowa
KS: Kansas
KY: Kentucky
LA: Louisiana
ME: Maine
MB: Manitoba
MD: Maryland
MA: Massachusetts
MI: Michigan
MN: Minnesota
MS: Mississippi
MO: Missouri
MT: Montana
NE: Nebraska
NV: Nevada
NB: New Brunswick
NH: New Hampshire
NJ: New Jersey
NM: New Mexico
NY: New York
NF: Newfoundland
NC: North Carolina
ND: North Dakota
NT: Northwest Territories
NS: Nova Scotia
NU: Nunavut
OH: Ohio
OK: Oklahoma
ON: Ontario
OR: Oregon
PA: Pennsylvania
PE: Prince Edward Island
PR: Puerto Rico
QC: Quebec
RI: Rhode Island
SK: Saskatchewan
SC: South Carolina
SD: South Dakota
TN: Tennessee
TX: Texas
USA: United States of America
UT: Utah
VT: Vermont
VI: Virgin Islands
VA: Virginia
WA: Washington
WV: West Virginia
WI: Wisconsin
WY: Wyoming
YT: Yukon Territory

Request body

Fields	Description
business_token string Optional	Specifies the business account holder on which to perform the identity check. Do not pass this field if your request includes the `user_token` field. Send a `GET` request to `/businesses` to retrieve business tokens. Allowable Values: 1–36 chars
manual_override boolean Optional	Set to `true` to designate a user account holder as having passed a verification check without Marqeta performing the check through one of its KYC providers. Use this override when you perform verification through another mechanism, such as an alternative KYC provider or directly with the account holder. You must obtain explicit, written approval from Marqeta before using the `manual_override` field for KYC verification. This feature is only available to programs that are enabled to perform their own Customer Identification Program (CIP) KYC verification. Consult your Marqeta representative for more information. Allowable Values: `true`, `false` Default value: `false`
notes string Optional	Notes pertaining to a manual override. This field is returned in the response only when the `manual_override` field is set to `true`. Allowable Values: 255 char max
reference_id string Optional	Can be specified only if `manual_override=true`. If you verified a user 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. 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
token string Optional	The unique identifier of the identity check. If you do not include a token, the system will generate one automatically. This token is necessary for use in other API calls, so we recommend that rather than let the system generate one, you use a simple string that is easy to remember. This value cannot be updated. Allowable Values: 1–36 chars
user_token string Optional	Specifies the user account holder on which to perform the identity check. Do not pass this field if your request includes the `business_token` field. Send a `GET` request to `/users` to retrieve user tokens. Allowable Values: 1–36 chars Existing user token

Sample request body

Sample request body for a user

JSON

{
  "token": "my_userkyc01",
  "user_token": "my_user01",
  "manual_override": false
}

Sample request body for a business

JSON

{
  "token": "my_bizkyc01",
  "business_token": "my_biz01"
}

Response body

Fields	Description
business_token string Conditionally returned	The business account holder on which the identity check was performed. Allowable Values: Existing business token
created_time datetime Returned	Time when the KYC verification was performed. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
last_modified_time datetime Returned	Time when the KYC verification was last updated. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
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`
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
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
result object Conditionally returned	Contains information about the KYC verification result. Allowable Values: Existing KYC verification object
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
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`
result.codes[].message string Conditionally returned	Result code description. Allowable Values: 255 char max
result.status string Conditionally returned	KYC verification status. Allowable Values: `success`, `failure`, `pending`
token string Conditionally returned	The unique identifier of the identity check. Allowable Values: Existing identity check token
user_token string Conditionally returned	The user account holder on which the identity check was performed. Allowable Values: Existing user token

Sample response body

Sample response body for a user

JSON

{
  "token": "my_userkyc01",
  "user_token": "my_user01",
  "result": {
    "status": "failure",
    "codes": [
      {
        "code": "AddressIssue"
      }
    ]
  },
  "manual_override": false,
  "created_time": "2025-02-08T19:52:58Z",
  "last_modified_time": "2025-02-08T19:52:58Z"
}

Sample response body for a business

JSON

{
  "token": "my_bizkyc01",
  "business_token": "my_biz01",
  "status": "pending",
  "created_time": "2025-02-08T19:52:58Z",
  "last_modified_time": "2025-02-08T19:52:58Z",
  "results": [
    {
      "component": "BUSINESS",
      "reference_id": "xxxxx",
      "outcome": "success",
      "outcome_reasons": []
    },
    {
      "component": "PROPRIETOR",
      "reference_id": "yyyyy",
      "outcome": "pending",
      "outcome_reasons": [
        "SSNIssue",
        "DOBIssue"
      ]
    },
    {
      "component": "BENEFICIAL_OWNER1",
      "reference_id": "aaaaa",
      "outcome": "pending",
      "outcome_reasons": [
        "AddressIssue"
      ]
    },
    {
      "component": "BENEFICIAL_OWNER2",
      "reference_id": "bbbbb",
      "outcome": "success",
      "outcome_reasons": []
    },
    {
      "component": "BENEFICIAL_OWNER3",
      "reference_id": "ccccc",
      "outcome": "success",
      "outcome_reasons": []
    },
    {
      "component": "BENEFICIAL_OWNER4",
      "reference_id": "ddddd",
      "outcome": "success",
      "outcome_reasons": []
    }
  ]
}

List KYC results for a business

Action: GET
Endpoint: /kyc/business/{business_token} Use this endpoint to retrieve all KYC verification results for a business. This endpoint supports pagination.

Business KYC outcome reasons (business response)

The following tables describe KYC outcome reasons potentially returned in the outcome_reasons field of the business result response object when a business is in a pending or failure state. Where possible, they also describe acceptable documents that your customers can submit to resolve pending outcomes.

Outcome reasons for the business

These outcome reasons pertain to the business organization itself.

Outcome Reason and State	Description	Accepted Documents
AddressIssue `pending`	Missing, invalid, mismatched, or PO Box address.	One of the following documents. Document must show the full business name and address: - Bank statement - Utility bill - Current lease or rental agreement - Insurance policy
BusinessNameIssue `pending`	Invalid or mismatched name.	Articles or certificate of incorporation.
OFACFailure `failure`	Business 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.
RegistrationIssue `pending`	Business is inactive, not registered, or not in good standing with the Secretary of State; recently reported or not recently updated.	This outcome requires a manual review by Marqeta to determine the next appropriate step. Contact your Marqeta representative.
Sanctions List Non-OFAC `pending`	Business appears on a non-OFAC screening list, bankruptcy, or alert list.	This outcome requires a manual review by Marqeta to determine the next appropriate step. Contact your Marqeta representative.
TINIssue `pending`	Missing, invalid, or mismatched Tax Identification Number (TIN).	IRS Notice Letter 147C or CP575, or most recent tax return.
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.

Outcome reasons for individuals associated with a business

These outcome reasons pertain to individuals associated with a business: proprietors, business officers, and beneficial owners.

Outcome Reason and State	Description	Accepted Documents
AddressIssue `pending`	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 `pending`	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.
NameIssue `pending`	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.
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. `failure`
SSNIssue `pending`	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
business_token string Required	The unique identifier of the business resource for which you want to retrieve KYC verification results. Allowable Values: Existing business token

URL query parameters

Fields	Description
count integer Optional	The number of resources to retrieve. Allowable Values: 1-10
start_index integer Optional	The 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

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`
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": 1,
  "start_index": 0,
  "end_index": 0,
  "is_more": false,
  "data": [
    {
      "created_time": "2024-09-25T05:35:02Z",
      "last_modified_time": "2024-09-25T05:35:02Z",
      "token": "164dc008-1503-4932-a42d-27739346710f",
      "business_token": "my-business-token",
      "result": {
        "status": "pending"
      },
      "manual_override": false
    }
  ]
}

List KYC results for a user

Action: GET
Endpoint: /kyc/user/{user_token} 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.
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`
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
    }
  ]
}

Retrieve KYC result

Action: GET
Endpoint: /kyc/{token} Use this endpoint to retrieve a specific KYC result.

URL path parameters

Fields	Description
token string Required	Unique identifier of the KYC verification for which you want to retrieve the result. Allowable Values: Existing identity check token

Response body

Fields	Description
business_token string Conditionally returned	The business account holder on which the identity check was performed. Allowable Values: Existing business token
created_time datetime Returned	Time when the KYC verification was performed. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
last_modified_time datetime Returned	Time when the KYC verification was last updated. Allowable Values: datetime Format: yyyy-MM-ddThh:mm:ssZ
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`
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
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
result object Conditionally returned	Contains information about the KYC verification result. Allowable Values: Existing KYC verification object
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
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`
result.codes[].message string Conditionally returned	Result code description. Allowable Values: 255 char max
result.status string Conditionally returned	KYC verification status. Allowable Values: `success`, `failure`, `pending`
token string Conditionally returned	The unique identifier of the identity check. Allowable Values: Existing identity check token
user_token string Conditionally returned	The user account holder on which the identity check was performed. Allowable Values: Existing user token

Sample response body

JSON

{
  "created_time": "2025-03-07T22:52:39Z",
  "last_modified_time": "2025-03-07T22:52:39Z",
  "token": "my_user_01_kyc_01",
  "user_token": "my_user_01",
  "result": {
    "status": "success"
  },
  "manual_override": false
}

​Perform KYC verification

​Required fields

​Valid state, provincial, territorial, and federal abbreviations

​Request body

​Sample request body

​Response body

​Sample response body

​List KYC results for a business

​Business KYC outcome reasons (business response)

​Outcome reasons for the business

​Outcome reasons for individuals associated with a business

​URL path parameters

​URL query parameters

​Response body

​Sample response body

​List KYC results for a user

​User KYC failure codes

​URL path parameters

​URL query parameters

​Response body

​Sample response body

​Retrieve KYC result

​URL path parameters

​Response body

​Sample response body

Perform KYC verification

Required fields

Valid state, provincial, territorial, and federal abbreviations

Request body

Sample request body

Response body

Sample response body

List KYC results for a business

Business KYC outcome reasons (business response)

Outcome reasons for the business

Outcome reasons for individuals associated with a business

URL path parameters

URL query parameters

Response body

Sample response body

List KYC results for a user

User KYC failure codes

URL path parameters

URL query parameters

Response body

Sample response body

Retrieve KYC result

URL path parameters

Response body

Sample response body