Account

Accounts represent each individual or business in our platform who is tied to a specific program. The Account entity contains information about the account holder. This information is used to onboard the individual or business prior to being able to access the services being provided. Accounts are created in your onboarding platform using our integration tools (API and/or SDK). Alviere currently supports 4 types of accounts:

Type	Description
`CONSUMER`	This account type is used for individual consumers that are registered in the platform.
`BUSINESS`	This account type is used for businesses/companies that are registered in the platform.
`STAKEHOLDER`	This account type is used to represent stakeholders (officers, beneficial owners, etc.) that belong to a Business account.
`CARDHOLDER`	This account type exists under the umbrella of a Consumer or Business Account and represents an individual that has ownership of an issued card in the system

Consumer AccountCopied!

A Consumer Account is a representation of an individual end customer of your program. Consumer Accounts are created and validated in the Alviere platform in stages. Each stage provides different permissions to what actions the Consumer can perform within the Alviere platform.

Account status

The account status field indicates the current status of your Consumer Accounts in the Alviere platform.

Some statuses are internal and represent the current stage in the identity verification process, while other statuses represent the need to obtain additional information from the customer or that a manual review of the identity is required.

Statuses are also used by Account Profiles to represent the verification status of the Profile application.

The following statuses are possible for Consumer Accounts in the Alviere platform:

Status	Description
`CREATED`	Prior to KYC and Identity Verification checks, this is the status of an account once you submit a successful account creation request.
`ACTIVE`	If the Consumer Account is fully active in the system, their status will be `ACTIVE`. Profiles will also become `ACTIVE` when the verification process applicable for the Profile has been completed.
`INACTIVE`	This status indicates that all permissions to access the system are currently revoked and the Consumer will not be able to perform any actions in the Alviere platform until you choose to reactivate the Account.
`PROCESSING`	This status indicates that the Profile application is in progress; no action is required while the Consumer is in this status.
`PENDING_USER`	This status indicates that further action is required from the consumer. This status could occur due to missing or incorrect data on the consumer's profile such as an address or Social Security Number. For more information, see the Status Reasons section below.
`MANUAL_REVIEW`	This status indicates that the Consumer Account is currently under manual review by an agent. The `stage` property will indicate why the Consumer is under manual review
`REJECTED`	This status indicates the Consumer Account has been rejected by the platform, either manually or automatically. The reason for the rejection will be returned on the `status_reason` property of the account.
`DELETED`	This status indicates the Consumer Account has been deleted and removed from the platform. The consumer data will still be present in the system, but the Account cannot be reinstated. If you wish to temporarily remove access to a Consumer, you should change the status to `INACTIVE` instead

Processing stage

The status of pending verification applies to Consumers that have not yet been completely identified.

The possible status reason for the pending verification stage property are:

Stage	Description
`FRAUD`	This stage indicates that the fraud check internal process is in progress.
`ADDRESS`	This stage indicates that the address provided by the Consumer is being validated.
`IDENTITY`	This stage indicates that the identity verification process is being performed. Information such as the date of birth, address, and/or Social Security Number are being matched against public and platform-private records for accuracy.
`IDENTITY_OPTIONAL_SSN`	This stage indicates that the identity verification process is being performed with SSN being optional. If no SSN is provided, the identity check still occurs using other profile data.
`DOCUMENTS`	This stage indicates that the photo identification, provided by the consumer to validate their identity, is being processed.
`DOCUMENTS_OPTIONAL_FULL_SSN`	This stage indicates that the photo identification is not required if the profile already has the full SSN available and it was successfully verified.
`SANCTIONS`	This stage indicates that the internal process of Sanctions and Negative News screening is not complete.
(empty)	This stage indicates that the consumer has not started the KYC validation or is on-boarded and there's no more stages to execute.

Status reason

The status_reason field provides a descriptive reason for the current status of the consumer account.

Status Reason	Applicable status(es)	Description
`INVALID_NAME`	`PENDING_USER` `MANUAL_REVIEW`	The first and/or last name provided are not valid and one or both need to be re-submitted
`INVALID_DOB`	`PENDING_USER` `MANUAL_REVIEW`	The provided date of birth is not valid; this could happen for programs where there is a minimum age requirement or the date of birth does not match the public record information on the consumer
`INVALID_ADDRESS`	`PENDING_USER` `MANUAL_REVIEW`	The consumer has provided an address that is invalid and needs to be re-submitted
`INVALID_PHONE`	`PENDING_USER` `MANUAL_REVIEW`	The consumer has provided a phone that is invalid and needs to be re-submitted
`INVALID_LAST_4_SSN`	`PENDING_USER`	The consumer has provided the last 4 digits of their Social Security Number that could not be matched against public and platform-private records. This will generally result in the consumer account being placed in `status_reason: 'REQUIRES_FULL_SSN'`. Note: This status is only valid for US consumers
`INVALID_SSN`	`PENDING_USER` `MANUAL_REVIEW`	The consumer has provided their Social Security Number that could not be matched against public and platform-private records. This will generally result in the consumer account being placed in `status_reason: 'REQUIRES_FULL_SSN'`. Note: This status is only valid for US consumers
`REQUIRES_LAST_4_SSN`	`PENDING_USER`	The consumer is required to provide the last 4 digits of their Social Security Number in order to proceed with the identity verification process. This status usually happens when it was not possible to lookup the last 4 digits of their SSN from public records. Note: This status is only valid for US consumers
`REQUIRES_FULL_SSN`	`PENDING_USER`	The consumer is required to provide their full 9-digit Social Security Number in order to proceed with the identity verification process. This status usually happens when it was not possible to lookup the full SSN from public records. Note: This status is only valid for US consumers
`INVALID_DOSSIER`	`MANUAL_REVIEW`	The consumer has provided a dossier that is invalid and needs to be re-submitted
`EXPIRED_DOCUMENT`	`MANUAL_REVIEW`	The consumer has provided a document that is expired. A valid document needs to be submitted to proceed with the identity verification process
`REQUIRES_DOSSIER`	`PENDING_USER`	KYC/KYB started without dossier/photo identification but did not meet the criteria to continue the onboarding. The consumer now needs to upload photo identification
`REQUIRES_PASSPORT_RESUBMISSION`	`PENDING_USER`	The consumer has provided a passport document which needs to be resubmitted as it has not been able to be processed. This is generally the case when the quality of the submitted document is not high enough to be readable
`REQUIRES_ID_DOCUMENT_FRONT_RESUBMISSION`	`PENDING_USER`	The consumer has provided an ID front document which needs to be resubmitted as it has not been able to be processed. This is generally the case when the quality of the submitted document is not high enough to be readable
`REQUIRES_ID_DOCUMENT_BACK_RESUBMISSION`	`PENDING_USER`	The consumer has provided an ID back document which needs to be resubmitted as it has not been able to be processed. This is generally the case when the quality of the submitted document is not high enough to be readable
`REQUIRES_DRIVERS_LICENSE_FRONT_RESUBMISSION`	`PENDING_USER`	The consumer has provided a drivers license front document which needs to be resubmitted as it has not been able to be processed. This is generally the case when the quality of the submitted document is not high enough to be readable
`REQUIRES_DRIVERS_LICENSE_BACK_RESUBMISSION`	`PENDING_USER`	The consumer has provided a drivers license back document which needs to be resubmitted as it has not been able to be processed. This is generally the case when the quality of the submitted document is not high enough to be readable
`REQUIRES_PROOF_OF_ADDRESS_RESUBMISSION`	`PENDING_USER`	The consumer has provided a proof of address document which needs to be resubmitted as it has not been able to be processed. This is generally the case when the quality of the submitted document is not high enough to be readable
`REQUIRES_PROOF_OF_FUNDS_RESUBMISSION`	`PENDING_USER`	The consumer has provided a proof of funds document which needs to be resubmitted as it has not been able to be processed. This is generally the case when the quality of the submitted document is not high enough to be readable
`REQUIRES_MC_DOCUMENT_FRONT_RESUBMISSION`	`PENDING_USER`	The consumer has provided a matricula consular front document which needs to be resubmitted as it has not been able to be processed. This is generally the case when the quality of the submitted document is not high enough to be readable
`REQUIRES_MC_DOCUMENT_BACK_RESUBMISSION`	`PENDING_USER`	The consumer has provided a matricula consular back document which needs to be resubmitted as it has not been able to be processed. This is generally the case when the quality of the submitted document is not high enough to be readable
`REQUIRES_CERTIFICATE_OF_INCORPORATION_RESUBMISSION`	`PENDING_USER`	The consumer has provided a certificate of incorporation document which needs to be resubmitted as it has not been able to be processed. This is generally the case when the quality of the submitted document is not high enough to be readable
`REQUIRES_SELFIE_RESUBMISSION`	`PENDING_USER`	The consumer has provided a selfie which needs to be resubmitted as it has not been able to be processed. This is generally the case when the quality of the submitted document is not high enough to be readable
`REQUIRES_INE_FRONT_RESUBMISSION`	`PENDING_USER`	The consumer has provided a INE front document which needs to be resubmitted as it has not been able to be processed. This is generally the case when the quality of the submitted document is not high enough to be readable
`REQUIRES_INE_BACK_RESUBMISSION`	`PENDING_USER`	The consumer has provided a INE back document which needs to be resubmitted as it has not been able to be processed. This is generally the case when the quality of the submitted document is not high enough to be readable
`COUNTRY_OF_ISSUANCE_MISMATCH`	`PENDING_USER`	Our system detected that the ID provided did not match the country of issuance provided by the consumer as part of the Dossier creation process
`COUNTRY_OF_ISSUANCE_NOT_SUPPORTED`	`PENDING_USER`	The program does not support the document type and country of issuance provided by the consumer
`REQUIRES_INE_BACK_RESUBMISSION`	`PENDING_USER`	The consumer has provided a INE back document which needs to be resubmitted as it has not been able to be processed. This is generally the case when the quality of the submitted document is not high enough to be readable
`TRANSACTION_MANUAL_REVIEW`	`MANUAL_REVIEW`	A consumer initiated transaction was placed in `MANUAL_REVIEW`, triggering the placement of the account into `MANUAL_REVIEW`
`TRANSACTION_DENY`	`MANUAL_REVIEW`	A consumer initiated transaction was automatically rejected, triggering the placement of the account into `MANUAL_REVIEW`
`TRANSACTION_RETURNED`	`MANUAL_REVIEW`	Account was put in `MANUAL_REVIEW` because because too many transactions generated returns or chargebacks
`CHECK_RETURNED`	`MANUAL_REVIEW`	Account was put in `MANUAL_REVIEW` because because too many check deposits were returned by the destination bank
`STAGE_VALIDATION`	`MANUAL_REVIEW` `REJECTED`	The account was put on this status based on automated decisions performed by our KYC stage validations
`UNREJECT`	`PROCESSING`	Account that was previously rejected prior to the onboarding process being completed was unrejected and the onboarding process restarts
`NO_IDENTITY_MATCH`	`REJECTED`	The consumer has failed to provide information to validate their identity.
`SANCTIONED_USER`	`REJECTED`	The consumer has been positively identified with OFAC Sanctions or Negative News.
`CONFIRMED_FRAUD`/`FRAUD`	`REJECTED`	Our compliance agents have successfully confirmed the consumer's fraudulent status through verification processes
`HIGH_RISK_BEHAVIOR`	`REJECTED`	The consumer exhibited high-risk behavior, signifying a significantly elevated likelihood of fraudulent activity
`FRAUD_ACH_RETURN`	`REJECTED`	An ACH transaction has been returned due to fraud
`FRAUD_CHECK_RETURN`	`REJECTED`	A transaction using a check has been returned due to fraud
`FRIENDLY_FRAUD`	`REJECTED`	A transaction has been subject to a customer dispute, wherein the customer alleges non-authorization despite being the actual authorizer
`ELDER_ABUSE`	`REJECTED`	The account has been compromised by an individual who has gained access to the financial information of an elderly person
`ID_THEFT`	`REJECTED`	The account has been established or utilized by an individual who has unlawfully obtained someone else's identity
`ATO_FRAUD`	`REJECTED`	A transaction or an account has been compromised by an unauthorized individual who has obtained access to the customer's login credentials
`ATO_FRAUD`	`REJECTED`	A transaction or an account has been compromised by an unauthorized individual who has obtained access to the customer's login credentials
`CUSTOM`	`REJECTED`	The consumer was rejected and the operator has provided a custom description for the rejection

List of Occupations

The following values are valid as occupations for Consumer accounts:

ACCOUNTANT
ACTOR
ADMINISTRATIVE_ASSISTANT
ANALYST
ARCHITECT
ARTIST
CARPENTER
CASHIER
CHILDCARE
COOK
CLEANER
COACH
CONSTRUCTION_WORKER
CONSULTANT
CONTENT_CREATOR
COUNSELOR
CUSTOMER_SERVICE
DATA_ENTRY
DESIGNER
DENTIST
DEVELOPER
DIETITIAN
DOCTOR
DRIVER
EDITOR
ELECTRICIAN
ENGINEER
ESTHETICIAN
EXECUTIVE
EXECUTIVE_ASSISTANT
FARMER
FINANCIAL_ADVISOR
FIREFIGHTER
GRAPHIC_DESIGNER
HAIRDRESSER
HUMAN_RESOURCES
IT_SUPPORT
JANITOR
JUDGE
LAWYER
LIBRARIAN
MAINTENANCE_WORKER
MANAGER
MEDICAL_ASSISTANT
MECHANIC
MILITARY
MUSICIAN
NURSE
PARALEGAL
PARAMEDIC
PHARMACIST
PHOTOGRAPHER
PHYSICAL_THERAPIST
PILOT
PLUMBER
POLICE_OFFICER
POLITICIAN
PROJECT_MANAGER
PSYCHOLOGIST
RECEPTIONIST
RESEARCHER
RETAIL_ASSOCIATE
SALES_REPRESENTATIVE
SCIENTIST
SECURITY_GUARD
SOCIAL_WORKER
TEACHER
TECHNICIAN
TRANSLATOR
VETERINARIAN
WAREHOUSE_WORKER
WELDER
WRITER

Business AccountCopied!

A Business Account is a representation of an Business or Organization end customer of your program. Just like Consumer Accounts, Business Accounts are created and validated in the Alviere platform in stages.

Account status

The account

status

field indicates the current status of your Business Accounts in the Alviere platform.

The following statuses are possible for Business Accounts in the Alviere platform:

Status	Description
`CREATED`	Prior to KYB checks, this is the status of an account once you submit a successful account creation request.
`ACTIVE`	If the Business Account is fully active in the system, their status will be `ACTIVE`.
`INACTIVE`	This status indicates that all permissions to access the system are currently revoked and the Business will not be able to perform any actions in the Alviere platform until you choose to reactivate the Account.
`PROCESSING`	This status indicates that the Business application is in progress; no action is required while the Business is in this status.
`PENDING_USER`	This status indicates that further action is required from the Business. This status could occur due to missing or incorrect data on the Business's profile. For more information, see the Status Reasons section below.
`MANUAL_REVIEW`	This status indicates that the Business Account is currently under manual review by an agent. The `stage` property will indicate why the Business is under manual review
`REJECTED`	This status indicates the Business Account has been rejected by the platform, either manually or automatically. The reason for the rejection will be returned on the `status_reason` property of the account.
`DELETED`	This status indicates the Business Account has been deleted and removed from the platform. The business data will still be present in the system, but the Account cannot be reinstated. If you wish to temporarily remove access to a Business, you should change the status to `INACTIVE` instead

Processing stage

The status of pending verification applies to Business that have not yet been completely identified.

The possible status reason for the pending verification stage property are:

Stage	Description
`SANCTIONS`	We perform a comprehensive sanctions check against the business account to ensure compliance with all relevant regulations.
`PREVALIDATION`	We validate all submitted information before contacting external providers to ensure its accuracy.
`VERIFICATION`	In this stage, we thoroughly check all business information for accuracy and authenticity before proceeding with automated processes or stakeholder interactions.
`DOCUMENTS`	We validate essential business documents to confirm their legitimacy.
`STAKEHOLDERS`	We identify and validate key business stakeholders, which may include photo ID verification.
(empty)	This stage indicates that the Business has not started the KYB validation or is on-boarded and there's no more stages to execute.

Status reason

The status_reason field provides a descriptive reason for the current status of the consumer account.

Status Reason	Applicable status(es)	Description
`ADDRESS_MISMATCH`	`PENDING_USER`	The address information provided does not match official records
`BUSINESS_NAME_MISMATCH`	`PENDING_USER`	The business name provided does not match official records
`BUSINESS_TYPE_MISMATCH`	`PENDING_USER`	The business type provided does not align with official records
`COUNTRY_OF_INCORPORATION_MISMATCH`	`PENDING_USER`	The country of incorporation does not match official records
`DOING_BUSINESS_AS_MISMATCH`	`PENDING_USER`	The "doing business as" (DBA) name provided does not match official records
`INVALID_BUSINESS_INFORMATION`	`PENDING_USER`	The business information provided is incorrect or incomplete
`INVALID_STAKEHOLDER_INFORMATION`	`PENDING_USER`	Provided stakeholder information is incorrect or incomplete
`INVALID_TAX_ID`	`PENDING_USER`	The tax identification number provided is invalid
`MISSING_SOURCE_OF_FUNDS_INFORMATION`	`PENDING_USER`	Source of funds information is missing
`REQUIRES_ACCOUNT_PURPOSE_DETAILS`	`PENDING_USER`	Additional details regarding the account purpose are required
`REQUIRES_ACCOUNT_PURPOSE`	`PENDING_USER`	The purpose of the account is required
`REQUIRES_ADDITIONAL_STAKEHOLDERS`	`PENDING_USER`	Additional stakeholders are required for the onboarding process
`REQUIRES_ARTICLES_OF_INCORPORATION_RESUBMISSION`	`PENDING_USER`	The Business has provided an articles of incorporation document which needs to be resubmitted as it has not been able to be processed
`REQUIRES_CERTIFICATE_OF_GOOD_STANDING_RESUBMISSION`	`PENDING_USER`	The Business has provided a certificate of good standing document which needs to be resubmitted as it has not been able to be processed
`REQUIRES_MULTIPLE_DOCUMENTS_RESUBMISSION`	`PENDING_USER`	The Business has provided multiple documents which need to be resubmitted as they has not been able to be processed
`REQUIRES_MULTIPLE_INFORMATION`	`PENDING_USER`	Multiple pieces of information are required for the registration process
`REQUIRES_NAICS_CONFIRMATION`	`PENDING_USER`	Confirmation of the NAICS code is required for the registration process
`REQUIRES_ORG_CHART_RESUBMISSION`	`PENDING_USER`	The Business has provided an org. chart document which needs to be resubmitted as it has not been able to be processed
`REQUIRES_PHONE_NUMBER`	`PENDING_USER`	A valid phone number is required for the registration process
`REQUIRES_TRANSACTION_VOLUME`	`PENDING_USER`	Information about the expected transaction volume is required
`REQUIRES_WEBSITE_ADDRESS`	`PENDING_USER`	A valid website address is required for the registration process
`STATE_OF_INCORPORATION_MISMATCH`	`PENDING_USER`	The state of incorporation does not match official records

Account ProfileCopied!

Account Profiles refer to predefined categories or tiers of Consumer or Business accounts within an Alviere-enabled Program. These profiles enable an organized classification of users based on specific criteria such as the amount of information they provide or the subscription plans they opt for. Each account within the same profile adheres to the same Know Your Customer/Business (KYC/KYB) requirements, ensuring uniformity in the verification process for a specific profile.

Upon successful completion of the KYC/KYB process and classification into a specific account profile, end customers gain access to a designated set of modules within the financial program. These modules can include specific features, functionalities, or services tailored to the requirements and privileges of the corresponding profile. By providing varying module access based on profiles, organizations can effectively cater to the diverse needs of their user base.

Account Profile assignment is currently primarily based on the extent and depth of personal/business data provided by the Consumer/Business. For instance, a basic profile might only require name, phone number and email, while a more advanced profile might need additional data such as social security numbers, address, etc.

In the future, some financial programs may further segment profiles based on the subscription or payment plans users opt for. This criterion allows organizations to align privileges, services, and features with the pricing tiers or benefits associated with each plan.

Profile settingCopied!

Programs should select the specific Profile that a Consumer/Business should be created as at Account creation time. If no Profile is set, the Account will be created under the Program's default Profile.

The status of the Profile application will be returned as part of the Consumer/Business Account entity profiles object, and will contain the following fields:

profile_name -> refers to the name of the Profile. Profile names are unique to the Program and are established at Program enablement.
status -> refers to the status of the Profile application. Please refer to the Account status section for more details.
stage -> refers to the processing stage of the Profile application verification process. Please refer to the Processing stages section for more details.
status_reason -> provides a descriptive reason for the current status of the Profile application process. Please refer to the Processing stages section for more details.

Once the Profile application process is finished, the Profile status will be ACTIVE and the Consumer will obtain the privileges associated with its Profile.

Profile updatingCopied!

Accounts Profiles can be changed by updating the Consumer/Business account and providing a new Profile setting. Profile updates will only be allowed for Accounts which are in ACTIVE, PENDING_USER or CREATED statuses.

The Profile application process will start once all of the required information, including any applicable documentation is uploaded to the Account. Failure to complete the application process will not affect the current status and Profile of the Account (except for situations that trigger a manual review process).

If the new Profile default Wallet type is different from the current Profile, a new Wallet will be created automatically for this Account.