> ## Documentation Index
> Fetch the complete documentation index at: https://developers.ingopayments.com/llms.txt
> Use this file to discover all available pages before exploring further.

# User KYC Failed

> Fired when a user fails KYC. The data.reasons and data.reasons_code arrays carry provider-supplied failure information.



## AsyncAPI

````yaml specs/asyncapi-banking.yaml UserKycFailed
id: UserKycFailed
title: User KYC Failed
description: >-
  Fired when a user fails KYC. The data.reasons and data.reasons_code arrays
  carry provider-supplied failure information.
servers:
  - id: webhook
    protocol: https
    host: your-webhook-endpoint.example.com
    bindings: []
    variables: []
address: user.kyc.failed
parameters: []
bindings: []
operations:
  - &ref_1
    id: receiveUserKycFailed
    title: Receive user kyc failed
    description: User KYC Failed
    type: receive
    messages:
      - &ref_2
        id: UserKycFailedMessage
        contentType: application/json
        payload:
          - name: User KYC Failed
            type: object
            properties:
              - name: event
                type: string
                required: true
              - name: data
                type: object
                required: true
                properties:
                  - name: event_id
                    type: string
                    description: >-
                      Unique identifier for this webhook event delivery. Use as
                      your deduplication key.
                    required: true
                  - name: event_type
                    type: string
                    description: The event type name, matching the top-level event field.
                    required: true
                  - name: event_description
                    type: string
                    description: Human-readable description of the event. Often empty.
                    required: true
                  - name: user_id
                    type: string
                    description: Platform-assigned user identifier.
                    required: true
                  - name: status
                    type: string
                    description: KYC verification status.
                    required: true
                  - name: reasons
                    type: array
                    description: Provider-supplied failure reason descriptions.
                    required: true
                    properties:
                      - name: item
                        type: string
                        required: false
                  - name: reasons_code
                    type: array
                    description: Provider-supplied failure reason codes.
                    required: true
                    properties:
                      - name: item
                        type: string
                        required: false
              - name: created_at
                type: string
                description: Date and time in DD-MM-YYYY hh:mm AM/PM format.
                required: true
              - name: updated_at
                type: string
                description: Date and time in DD-MM-YYYY hh:mm AM/PM format.
                required: true
        headers: []
        jsonPayloadSchema:
          type: object
          required:
            - event
            - data
            - created_at
            - updated_at
          properties:
            event:
              type: string
              example: user.kyc.failed
              x-parser-schema-id: <anonymous-schema-16>
            data:
              allOf:
                - type: object
                  required:
                    - event_id
                    - event_type
                    - event_description
                  description: >-
                    Base fields present in the data block of every Banking
                    Platform webhook event.
                  properties:
                    event_id:
                      type: string
                      pattern: ^inn_whe_[A-Za-z0-9]+$
                      description: >-
                        Unique identifier for this webhook event delivery. Use
                        as your deduplication key.
                      example: inn_whe_2tHPeibq8Gkm6kXU819g
                      x-parser-schema-id: <anonymous-schema-4>
                    event_type:
                      type: string
                      description: The event type name, matching the top-level event field.
                      x-parser-schema-id: <anonymous-schema-5>
                    event_description:
                      type: string
                      description: Human-readable description of the event. Often empty.
                      x-parser-schema-id: <anonymous-schema-6>
                  x-parser-schema-id: BankingEventDataBase
                - type: object
                  required:
                    - user_id
                    - status
                    - reasons
                    - reasons_code
                  properties:
                    user_id:
                      type: string
                      description: Platform-assigned user identifier.
                      x-parser-schema-id: <anonymous-schema-19>
                    status:
                      type: string
                      description: KYC verification status.
                      example: rejected
                      x-parser-schema-id: <anonymous-schema-20>
                    reasons:
                      type: array
                      description: Provider-supplied failure reason descriptions.
                      items:
                        type: string
                        x-parser-schema-id: <anonymous-schema-22>
                      x-parser-schema-id: <anonymous-schema-21>
                    reasons_code:
                      type: array
                      description: Provider-supplied failure reason codes.
                      items:
                        type: string
                        x-parser-schema-id: <anonymous-schema-24>
                      x-parser-schema-id: <anonymous-schema-23>
                  x-parser-schema-id: <anonymous-schema-18>
              x-parser-schema-id: <anonymous-schema-17>
            created_at: &ref_0
              type: string
              description: Date and time in DD-MM-YYYY hh:mm AM/PM format.
              example: 02-02-2025 06:30 PM
              x-parser-schema-id: BankingTimestamp
            updated_at: *ref_0
          x-parser-schema-id: <anonymous-schema-15>
        title: User KYC Failed
        example: |-
          {
            "event": "user.kyc.failed",
            "data": {
              "event_id": "inn_whe_4bSUtkul0Imq8nZW031i",
              "event_type": "user.kyc.failed",
              "event_description": "",
              "user_id": "9414",
              "status": "rejected",
              "reasons": [
                "Identity could not be verified"
              ],
              "reasons_code": [
                "ID_MISMATCH"
              ]
            },
            "created_at": "23-06-2025 03:20 PM",
            "updated_at": "23-06-2025 03:20 PM"
          }
        bindings: []
        extensions:
          - id: x-parser-unique-object-id
            value: UserKycFailedMessage
    bindings: []
    extensions:
      - id: x-parser-unique-object-id
        value: UserKycFailed
sendOperations:
  - *ref_1
receiveOperations: []
sendMessages:
  - *ref_2
receiveMessages: []
extensions:
  - id: x-parser-unique-object-id
    value: UserKycFailed
securitySchemes: []

````