Canada Test Cases

The following test cases can be used for testing KYC results for Canadian programs. Note that the following Pass/Fail criteria are possible:


Result	Criteria
Pass	1. Credit file record found and it is older than 36 months 2. Credit file record found and it is less than 36 months but older than 6 months AND customer has been validated against TWO other sources
Manual Review	1. Credit file record found and it is less than 36 months but older than 6 months AND customer has been validated against only ONE other sources 2. Customer information triggers a whatchlist/sanction list
Fail	1. Credit file record found and it is less than 36 months but older than 6 months AND customer has been validated against only ZERO other sources 2. Credit file record found and it is less than 6 months


To obtain outcome of…	Creditors Accounts on File	First Name	Last Name	Middle Name (optional)	Address Line 1	Address Line 2	City	Prov	Postal Code	DOB	PHONE
N - No File		CRAMSFORD	WILLIAM	MARY	222 LIMSON CRES	Apt 200	MARLO	NB	B2H1V6	10-03-1984	289-521-4459
PASS = > 36 months and pass customer match criteria	BMO M/C, RBC VISA	OLIVIA	DEPONTENUF	LITA	541 MCKERCHER DR		SASKATOON	SK	S7H5G4	12-08-1994	289-521-5466
BMO M/C, CDN TIRE, RBC	CLAUDIO	KINSINGER	KAREEM	28 MAIN STREET		CHARLOTTETOWN	PE	C1A1P9	09-07-1960	289-521-6006
PASS = File ≥ 6 months and validate 2 sources	BMO M/C, CDN TIRE, closed SEARS	WARD	FRICK	KIONA	1301 8 ST		CRANBROOK	BC	V2W1G9	28-11-1972	289-521-4532
BMO M/C, CDN TIRE, closed SEARS	OLIANA	CAZA	DHAVAL	12 ROSEDALE AVE		DEBERT	NS	B4H1X4	14-09-1974	289-521-4530
MANUAL REVIEW = File ≥ 6 months and validate 1 source	CIBC	WELLS	LAPORTE	ZONTA	49 ENGLEMANN DR		WHITEHORSE	YT	Y1A5S5	09-11-1988	289-521-4433
BMO M/C, CDN TIRE, RBC	OSBERT	BERGSMA	LANGSTON	503 LOON RD		WHITEHORSE	YT	Y1A2R1	01-06-1960	289-521-4524
HSBC	QIANA	DIVAL	TALITHA	28 CLEMENT ST		PORT HAWKESBURY	NS	B4H1A8	07-02-1997	289-521-4658
FAIL = File ≥ 6 months and validate 0 sources	HSBC, MBNA (both accounts closed)	VANIG	VAN OYEN	WIEBKE	8822 CROSS'S LANE		GRAND FALLS WIND	NS	A0M1C0	06-11-1959	289-521-4526
BMO M/C, RBC (both accounts closed)	AVARI	GUTTERIDGE	ORIEL	220 CH DU PARC INDUSTRIA BOX	Apt 201	VIMONT	QC	J3N1L1	09-07-1959	289-521-4527
CDN TIRE, HSBC (both accounts closed)	EIRIAN	TONKOVICK	DAMLA	34 DEMELT CRES		HAY RIVER	NT	X0E0R6	15-04-1980	289-521-4528
HSBC, MBNA (both accounts closed) SEARS	AMITOLA	SEGGTEL	MAKALIA	11 BROCK DR		HAY RIVER	NS	X0E0R9	28-07-1987	289-521-4748
FAIL = File < 6 months	HSBC, MBNA	ALARIC	HOLENSKI	LULA	24 TENTH ST		CORNER BROOK	NL	A1C3L2	03-02-1958	289-521-4749
HSBC, MBNA, SEARS	NECI	WINWARD	FONDA	BOX 4005 STN B		BATHURST	NB	E3N3P5	12-01-1965	289-521-4435
BMO M/C	PHYLICIA	FAESSLER	CLARK	7435 DEER PARK	Apt 64	CALMAR	AB	T1G1M7	15-01-1989	289-521-4523
BMO M/C, CDN TIRE, closed SEARS	JOLISA	COPELY	ONI	82 MOUNT PLEASANT AVE E		BATHURST	NB	E3B2N6	05-01-1988	289-521-4529
FAIL = Fraud On Record	#HK# CONSUMER FRAUD WARNING	ISIS	STEINMAN	CHERISH	252 SIMCOE ST		WINNIPEG	MB	R3G1W1	09-05-1974	807-543-7282
BMO M/C, SEARS, closed CDN TIRE CONFIRMED FRAUD VICTIM	GREG	BASTIAANSEN	ZAJAC	80 MARINA DR		THUNDER BAY	ON	M2R3B7	31-12-1983	289-521-4849
Fail = Client is on a sanction list		BENJAMIN	BOL MEL			123 FAKE ST		TORONTO	ON	M3J1V6	30-01-1987

A Note on Sanction Screening

Our provider uses real sanction screening results in its staging environment. This means that sanction screening test cases may begin passing without notice. If this happens:

Please contact Berkeley Payment to notify us of the issue.
If a test case is needed immediately, the Office of Foreign Assets Control provides a search tool that can be used to find new test cases. To find new test cases search the database for any first name and fill in the request with the information given. Please note that the section screening match is fuzzy and a name and date of birth is usually enough for a match.

Bypass KYC in Staging Environment

In the staging environment it is possible to bypass the KYC check when creating a cardholder. To do this, replace any one of the following fields with “kycforceaccept“:

“first_name“
“middle_name“
“last_name“
“city“
“address1“
“address2“

Create Cardholder API Response Examples

Accepted

{
    "data": {
        "company_id": "1",
        "created_at": "2021-01-14T15:21:31Z",
        "external_account_holder_id": null,
        "external_tag": "Demo",
        "id": 305,
        "primary_processor_reference": "1900000459",
        "username": null,
        "value_load_result": {
            "code": "success",
            "message": ""
        }
    }
}

Rejected

{
    "error": {
        "code": "kyc_verification_rejected",
        "kyc_result_codes": [
            {
                "code": "fraud_reported",
                "description": "There is a fraud report on file"
            }
        ],
        "kyc_transaction_id": "bffe5d798081442a9a499f15",
        "message": "The cardholder was rejected due to KYC verification failure"
    }
}

In Review

{
    "error": {
        "code": "kyc_verification_review",
        "kyc_result_codes": [
            {
                "code": "street_mismatch",
                "description": "Street does not match records",
                "found": "ENGELMANN DR",
                "match_type": "partial_match",
                "value": "49 ENGLEMANN DR"
            },
            {
                "code": "insufficient_credit_record",
                "description": "Insufficient credit history for a match"
            }
        ],
        "kyc_transaction_id": "b65ea5810d684ed5b81efe19",
        "message": "The cardholder is under manual review due to KYC verification failure"
    }
}

📘
Related pages:
Know Your Client - Cardholder Scenarios\nCard Issuing API Quickstart Guide\nTest Cards