API Reference

KYC Test Cases

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:

ResultCriteria
Pass1. 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 Review1. 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
Fail1. 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 2City Prov Postal Code DOB PHONE 
N - No FileCRAMSFORDWILLIAMMARY222 LIMSON CRESApt 200MARLONBB2H1V610-03-1984289-521-4459
PASS = > 36 months and pass customer match criteriaBMO M/C, RBC VISAOLIVIADEPONTENUFLITA541 MCKERCHER DRSASKATOONSKS7H5G412-08-1994289-521-5466
BMO M/C, CDN TIRE, RBCCLAUDIOKINSINGERKAREEM28 MAIN STREETCHARLOTTETOWNPEC1A1P909-07-1960289-521-6006
PASS = File ≥ 6 months and validate 2 sourcesBMO M/C, CDN TIRE, closed SEARSWARDFRICKKIONA1301 8 STCRANBROOKBCV2W1G928-11-1972289-521-4532
BMO M/C, CDN TIRE, closed SEARSOLIANACAZADHAVAL12 ROSEDALE AVEDEBERTNSB4H1X414-09-1974289-521-4530
MANUAL REVIEW = File ≥ 6 months and validate 1 sourceCIBCWELLSLAPORTEZONTA49 ENGLEMANN DRWHITEHORSEYTY1A5S509-11-1988289-521-4433
BMO M/C, CDN TIRE, RBCOSBERTBERGSMALANGSTON503 LOON RDWHITEHORSEYTY1A2R101-06-1960289-521-4524
HSBCQIANADIVALTALITHA28 CLEMENT STPORT HAWKESBURYNSB4H1A807-02-1997289-521-4658
FAIL = File ≥ 6 months and validate 0 sourcesHSBC, MBNA (both accounts closed)VANIGVAN OYENWIEBKE8822 CROSS'S LANEGRAND FALLS WINDNSA0M1C006-11-1959289-521-4526
BMO M/C, RBC (both accounts closed)AVARIGUTTERIDGEORIEL220 CH DU PARC INDUSTRIA BOXApt 201VIMONTQCJ3N1L109-07-1959289-521-4527
CDN TIRE, HSBC (both accounts closed)EIRIANTONKOVICKDAMLA34 DEMELT CRESHAY RIVERNTX0E0R615-04-1980289-521-4528
HSBC, MBNA (both accounts closed) SEARSAMITOLASEGGTELMAKALIA11 BROCK DRHAY RIVERNSX0E0R928-07-1987289-521-4748
FAIL = File < 6 monthsHSBC, MBNAALARICHOLENSKILULA24 TENTH STCORNER BROOKNLA1C3L203-02-1958289-521-4749
HSBC, MBNA, SEARSNECIWINWARDFONDABOX 4005 STN BBATHURSTNBE3N3P512-01-1965289-521-4435
BMO M/CPHYLICIAFAESSLERCLARK7435 DEER PARKApt 64CALMARABT1G1M715-01-1989289-521-4523
BMO M/C, CDN TIRE, closed SEARSJOLISACOPELYONI82 MOUNT PLEASANT AVE EBATHURSTNBE3B2N605-01-1988289-521-4529
FAIL = Fraud On Record#HK# CONSUMER FRAUD WARNINGISISSTEINMANCHERISH252 SIMCOE STWINNIPEGMBR3G1W109-05-1974807-543-7282
BMO M/C, SEARS, closed CDN TIRE 

CONFIRMED FRAUD VICTIM		GREGBASTIAANSENZAJAC80 MARINA DRTHUNDER BAYONM2R3B731-12-1983289-521-4849
Fail = Client is on a sanction listBENJAMINBOL MEL123 FAKE STTORONTOONM3J1V630-01-1987

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:

  1. Please contact Berkeley Payment to notify us of the issue.
  2. 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"
    }
}

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Related pages:

Know Your Client - Cardholder Scenarios
Card Issuing API Quickstart Guide
Test Cards