> ## Documentation Index
> Fetch the complete documentation index at: https://rain-sandbox-trial.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Rejection Reasons

> Decode the `applicationReason` labels a webhook returns, with each label's severity and the action it calls for.

Use this reference to interpret a rejection label Rain returns on a webhook,
whether it's temporary (fixable) or final (permanent), and to decide what to do
about it.

For every rejection reason grouped the way the Dashboard groups them, including
the Reason and Reason ID behind each label, see the
[rejection catalog](/docs/rejection-catalog).

## Webhook rejection label reference

The [`user.updated`](/docs/identity-and-compliance#user-updated) and [`company.updated`](/docs/identity-and-compliance#company-updated) webhooks include an `applicationReason` field containing one or more rejection labels that describe why an application was rejected.

**Parsing the field:** `applicationReason` may contain multiple comma-separated labels (for example, `"DUPLICATE, REGULATIONS_VIOLATIONS"`). Split the string by comma, trim whitespace from each token (for example, `token.trim()` or equivalent), and discard any empty strings before looking up each label.

The following table lists the labels Rain has seen in production that carry a recommended action, sorted alphabetically. Each one includes its category, whether the rejection is temporary (fixable) or final (permanent), and what to do about it. For labels not listed here, look up the reason group in the [rejection catalog](/docs/rejection-catalog):

| Label                          | Category          | Severity  | Description                                                                                                                       | Recommended action                                                                      |
| ------------------------------ | ----------------- | --------- | --------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------- |
| `ADDITIONAL_DOCUMENT_REQUIRED` | Documentation     | Temporary | Additional documents are required to complete verification.                                                                       | Prompt the user to upload the requested documents.                                      |
| `ADVERSE_MEDIA`                | Compliance / AML  | Final     | The applicant is mentioned in adverse media.                                                                                      | No action. The application is permanently denied.                                       |
| `BAD_FACE_MATCHING`            | Selfie            | Temporary | The selfie cannot be matched against the photo in the identity document.                                                          | Prompt the user to retake their selfie with better lighting and positioning.            |
| `BAD_PROOF_OF_IDENTITY`        | Identity document | Temporary | The identity document is unacceptable (for example, uploaded a copy, missing data, or unsupported type).                          | Prompt the user to re-upload a clear photo of a valid, original identity document.      |
| `BAD_SELFIE`                   | Selfie            | Temporary | The selfie failed quality or liveness checks.                                                                                     | Prompt the user to retake their selfie.                                                 |
| `COMPROMISED_PERSONS`          | Compliance / AML  | Final     | The applicant was found on watchlists (for example, Interpol, FBI, EU most wanted).                                               | No action. The application is permanently denied.                                       |
| `DB_DATA_NOT_FOUND`            | Database check    | Temporary | The applicant's data was not found in the government database.                                                                    | Prompt the user to verify their personal details and resubmit.                          |
| `DOCUMENT_DAMAGED`             | Identity document | Temporary | The identity document is damaged or unreadable.                                                                                   | Prompt the user to upload a photo of an undamaged document.                             |
| `DOCUMENT_PAGE_MISSING`        | Identity document | Temporary | The uploaded document is missing required pages (for example, back side, address page).                                           | Prompt the user to upload the missing pages.                                            |
| `DUPLICATE`                    | Regulation        | Final     | The applicant already has an active account. Only one active account is allowed.                                                  | No action. The application is permanently denied.                                       |
| `EXPIRATION_DATE`              | Identity document | Temporary | The identity document has expired or expires within one month.                                                                    | Prompt the user to upload a document with a valid expiration date.                      |
| `FRAUDULENT_PATTERNS`          | Fraud             | Final     | Suspected fraud network activity or high-risk anomalies detected (for example, VPN usage, IP issues).                             | No action. The application is permanently denied.                                       |
| `GRAPHIC_EDITOR`               | Fraud             | Temporary | Image editing software was detected on the submitted document.                                                                    | Prompt the user to upload an unedited photo of the original document.                   |
| `PEP`                          | Compliance / AML  | Final     | The applicant is a politically exposed person.                                                                                    | No action. The application is permanently denied.                                       |
| `PROBLEMATIC_APPLICANT_DATA`   | Data mismatch     | Temporary | The data on the applicant's profile does not match the data on the submitted document (for example, name, date of birth, gender). | Prompt the user to correct their profile data or upload a matching document.            |
| `REGULATIONS_VIOLATIONS`       | Regulation        | Final     | The applicant violated regulatory requirements (for example, age, region, duplicate account).                                     | No action. The application is permanently denied.                                       |
| `SANCTIONS`                    | Compliance / AML  | Final     | The applicant was found on sanctions lists.                                                                                       | No action. The application is permanently denied.                                       |
| `SELFIE_MISMATCH`              | Fraud             | Final     | The selfie does not match the document photo.                                                                                     | No action. The application is permanently denied.                                       |
| `SPAM`                         | Abuse             | Final     | The applicant uploaded an excessive number of files.                                                                              | No action. The application is permanently denied.                                       |
| `UNSATISFACTORY_PHOTOS`        | Photo quality     | Temporary | The document photos are unreadable or too low quality for verification.                                                           | Prompt the user to retake and re-upload clear, well-lit photos.                         |
| `WRONG_ADDRESS`                | Data mismatch     | Temporary | The address on the applicant's profile does not match the document data.                                                          | Prompt the user to correct their address or upload a document with the correct address. |
| `WRONG_USER_REGION`            | Regulation        | Final     | The applicant is from a region not supported by the program.                                                                      | No action. The application is permanently denied.                                       |

<Warning>
  The label `ESIGN_FAILED` has been observed in production but is not yet formally documented. If you encounter this label, contact [Rain support](mailto:platform@rain.xyz) for guidance. This section will be updated once the label definition is confirmed with the compliance team.
</Warning>

### Understanding multi-label responses

Some rejections produce multiple labels because a single verification failure maps to more than one concern. When `applicationReason` contains multiple labels, treat the full set as the reason. Do not pick one and ignore the rest.

The following table lists the most common multi-label combinations observed in production.

| Labels                                                 | Meaning                                                                       |
| ------------------------------------------------------ | ----------------------------------------------------------------------------- |
| `DUPLICATE, REGULATIONS_VIOLATIONS`                    | The applicant already has an active account, which is a regulatory violation. |
| `WRONG_USER_REGION, REGULATIONS_VIOLATIONS`            | The applicant is from an unsupported region.                                  |
| `COMPROMISED_PERSONS, PEP`                             | The applicant is both on watchlists and a politically exposed person.         |
| `COMPROMISED_PERSONS, SANCTIONS`                       | The applicant is on both watchlists and sanctions lists.                      |
| `GRAPHIC_EDITOR, UNSATISFACTORY_PHOTOS`                | Image editing software was detected in the submitted photos.                  |
| `BAD_PROOF_OF_IDENTITY, BAD_FACE_MATCHING, BAD_SELFIE` | Multiple identity verification failures across documents and selfie.          |

**One severity per response:** multi-label responses always share the same severity. You will not receive a mix of temporary and final labels in a single `applicationReason` string.

### Temporary vs. final rejections

Rejection labels fall into two categories:

* **Temporary:** the issue is fixable. A label with this severity moves the `applicationStatus` to `needsInformation`, and the user can correct the problem and resubmit. Redirect them to the `applicationCompletionLink`, or resubmit the corrected information through the update endpoints. See [Application states](/docs/application-states) for both approaches.
* **Final:** the rejection is permanent. The user cannot reapply. The `applicationStatus` will be `denied`. See the [rejection catalog](/docs/rejection-catalog) for the full breakdown by group.

<Info>
  `needsVerification` is not a rejection outcome. It means the applicant has not submitted any documents yet, so no `applicationReason` label applies. See [Application states](/docs/application-states) for what triggers it and why the API resubmission approach for `needsInformation` does not apply there.
</Info>

<Warning>
  Do not prompt the user to resubmit documents when you receive a final rejection label. Final rejections are permanent and cannot be overturned through resubmission.
</Warning>

## What's next

<Columns cols={3}>
  <Card title="Application states" icon="list-check" href="/docs/application-states">
    How rejections map to application states.
  </Card>

  <Card title="Rejection catalog" icon="book" href="/docs/rejection-catalog">
    Every rejection reason by group, temporary and final.
  </Card>

  <Card title="Troubleshoot verification" icon="wrench" href="/docs/verification-troubleshooting">
    Fix common verification issues.
  </Card>
</Columns>