Payment Method Edge Cases

There are four edge cases that would trigger a user into a non approved state after submitting KYC information and connecting a bank account.

  1. A user needs to re-submit a piece of initial account information.
  2. User needs to re-submit an ID image
  3. A user needs to submit a Proof of Address
  4. A user needs to submit an ACH authorization form.

1. A user needs to re-submit a piece of initial account information.

This typically happens when a user submit KYC information during the account creation stage and his/her information doesn't match up with the ID that was submitted, incorrect/invalid info provided, such as incorrect DOB, invalid address, misspelled legal name, or SSN/ITIN is needed. An email will be send to the user, and then the user can log into the dashboard and submit the correct information.

On the API level, after a user submits data, the status of each fieldId in the response object from the get_account endpoint returns back a PENDING status for whichever fieldId that corresponds to the incorrectly input KYC data point.

{
  "id" : "AC-U4BWHGZDG6W",
    ...,
    "profileFields" : [ {
    "fieldId" : "individualSsn",
    "fieldType" : "STRING",
    "value" : null,
    "note" : "Please provide a valid social security number.",
    "status" : "OPEN"
  }, {
  ...
  }]
}

There could be different notes for different user actions based on each KYC data point.

2. User needs to re-submit an ID image

This typically happens when a user submits an ID that:

  • isn't legible, blurry image
  • pictures doesn't encapsulate the entire image, all four corners are not showing
  • Image doesn't match with the correct initial account KYC data

The user will then get an email to upload a new image to the dashboard.

On the API level, the key/value "fieldId":"individualGovernmentId" will go from PENDING after an image is submitted, back to OPEN if the image is rejected.

{
  "id" : "AC-U4BWHGZDG6W",
    ...,
    "profileFields" : [ {
    "fieldId" : "individualGovernmentId",
    "fieldType" : "DOCUMENT",
    "value" : ["DO_B9QJCMN2QBB"],
    "note" : "Document is expired",
    "status" : "OPEN"
  }, {
  ...
  }]
}

It's important to look at the note section of the server response object. The note will give context as to why an image will not work. Other notes include:

  • Identification needs to be in full color
  • Identification is blurry/hard to read
  • Document must include all four corners
  • Please submit a passport, driver's license or govt. issued identification document
  • Identification document is not supported

3. A user needs to submit a Proof of Address

This typically happens when a user submits an ID and inputs KYC address data that doesn't match. A proof of address document such as a:

  • Utility Bill
  • Bank Statement

On the API level, the key/value "fieldId":"individualGovernmentId" will go from PENDING after an image is submitted, back to OPEN if the image is rejected.

{
  "id" : "AC-U4BWHGZDG6W",
    ...,
    "profileFields" : [{
   "fieldId": "individualGovernmentId"
    "fieldType": "DOCUMENT",
    "value": [DO_B9QJCMN2QB9],
    "note": "Document must include all four corners",
    "status": "OPEN"
    }, {
  ...
  }]
}

It's important to look at the note section of the server response object. The note will give context as to why an image will not work. Other notes include:

  • Please provide a translated copy of this document
  • Utility Bill does not match profile address
  • Bank Statement does not match profile address
  • Please provide utility bill that matches profile address
  • Please provide all pages of Bank statement for verification

4. A user needs to submit an ACH authorization form.

This typically happens when a user submits an ID, inputs KYC data, uploads a bank account payment method and data doesn't match. Examples include:

  1. Does not match the registered legal name
  2. Does not match the registered email
  3. Does not match the registered phone number
  4. Does not match the registered address nor have a valid proof of address on file
  5. Does not have transaction posted in transaction history
  6. Does not have a sufficient balance to cover the transaction

Submitting documentation via support.sendwyre.com

This will trigger the event of sending an email out to a user.
After clicking the link in the email, users will be taken to support.sendwyre.com and will immediately be shown the following prompt.

The user will then need to upload a picture of their face next to a piece of paper with the following written down:

Once submitted, our team will review and process the information.

Submitting documentation via API

If an account goes into a status that needs an authorization form, Partners have an option of sending the authorization form via the Upload Bank Document endpoint below.

https://api.sendwyre.com/v2/paymentMethod/:paymentMethodId/followup

📘

Upload Account Documents

It is possible to upload missing account documents via the API. The Upload Document endpoint requires the accountId and fieldId: /v3/accounts/:accountId/:fieldId

The response to the account and paymentMethod endpoints will update accordingly during the following states when collecting the ACH form. The account endpoint response will only update if the payment method is the individual source of funds.

When an ACH form has initially been requested:

//GET /accounts/:accountId

[
    ...
  {
    fieldId: "individualSourceOfFunds",
    fieldType: "PAYMENT_METHOD",
    value: "PM_XXXXX",
    note: "Additional information is required.",
    status: "OPEN"
  }
]

// GET /paymethMethod/PM_XXXXX

{
    ...
    status: "AWAITING_FOLLOWUP",
    waitingPrompts: [{
        id: "ACH_FORM"
      prompt: "Please upload a picture of yourself with the following written down on a piece of paper next to your face: `Wyre`, today's date, the last 4 digits of your bank account number and your signature.",
        type: "DOCUMENT"
        }]
}

When an ACH form has been submitted through the upload document for payment method endpoint and is in review:

//GET /accounts/:accountId

[
    ...
  {
    fieldId: "individualSourceOfFunds",
    fieldType: "PAYMENT_METHOD",
    value: "PM_XXXXX",
    note: "Payment method is under review.",
    status: "PENDING"
  }
]

// GET /paymethMethod/PM_XXXXX
{
    ...
    status: "AWAITING_FOLLOWUP",
    waitingPrompts: []
}

When an ACH form has been submitted through the upload documents for payment method endpoint and has been approved:

//GET /accounts/:accountId

[
    ...
  {
    fieldId: "individualSourceOfFunds",
    fieldType: "PAYMENT_METHOD",
    value: "PM_XXXXX",
    note: null,
    status: "APPROVED"
  }
]

// GET /paymethMethod/PM_XXXXX
{
    ...
    status: "APPROVED",
    waitingPrompts: []
}