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

# CARDHOLDER_KYC_REJECTED

> Fired when a cardholder's KYC verification is rejected. The machine-readable rejection reason is included in the payload.

Fires when a cardholder's identity verification fails. Cards cannot be issued to this cardholder until the rejection is resolved. Contact FYATU support if you believe a rejection was issued in error.

## Event Type

```
CARDHOLDER_KYC_REJECTED
```

## Payload

```json theme={null}
{
  "event":       "CARDHOLDER_KYC_REJECTED",
  "eventId":     "evt_01HXY123456ABCDEF",
  "businessId":  "BUS1A2B3C4D5E6F",
  "environment": "LIVE",
  "timestamp":   "2026-05-22T10:00:10Z",
  "data": {
    "cardholderId":      "chl_01HXYZ1234ABCDEF5678",
    "kycStatus":         "REJECTED",
    "kycRejectionReason": "DOCUMENT_EXPIRED"
  }
}
```

## Payload Fields

| Field                | Type   | Description                                          |
| -------------------- | ------ | ---------------------------------------------------- |
| `cardholderId`       | string | The cardholder whose KYC was rejected                |
| `kycStatus`          | string | Always `REJECTED`                                    |
| `kycRejectionReason` | string | Machine-readable rejection reason — see values below |

**Rejection reason values:**

| Value                 | Meaning                                                 |
| --------------------- | ------------------------------------------------------- |
| `DOCUMENT_EXPIRED`    | The submitted ID document has expired                   |
| `DOCUMENT_UNREADABLE` | The document image was too blurry or incomplete         |
| `NAME_MISMATCH`       | Name on document does not match cardholder profile      |
| `UNDER_AGE`           | Cardholder is under 18 years old                        |
| `WATCHLIST_MATCH`     | Name matched a regulatory watchlist                     |
| `DUPLICATE_IDENTITY`  | Identity documents already used by another cardholder   |
| `UNSUPPORTED_COUNTRY` | Cardholder's country is not supported for card issuance |
| `OTHER`               | Contact support for details                             |

## What To Do When You Receive This Event

* Show the cardholder a specific message based on `kycRejectionReason`
* For `DOCUMENT_EXPIRED` or `DOCUMENT_UNREADABLE`, invite them to retry with updated or clearer documents
* For `WATCHLIST_MATCH` or `UNSUPPORTED_COUNTRY`, do not allow retry — contact FYATU support

For the full event group documentation see [Cardholder Events](/v3.20/webhooks/events/cardholder-events).

<RequestExample>
  ```json Webhook Payload theme={null}
  {
    "event":       "CARDHOLDER_KYC_REJECTED",
    "eventId":     "evt_01HXY123456ABCDEF",
    "businessId":  "BUS1A2B3C4D5E6F",
    "environment": "LIVE",
    "timestamp":   "2026-05-22T10:00:10Z",
    "data": {
      "cardholderId":      "chl_01HXYZ1234ABCDEF5678",
      "kycStatus":         "REJECTED",
      "kycRejectionReason": "DOCUMENT_EXPIRED"
    }
  }
  ```
</RequestExample>

<ResponseExample>
  ```json 200 theme={null}
  {}
  ```
</ResponseExample>


## OpenAPI

````yaml v3.20/openapi.json webhook CARDHOLDER_KYC_REJECTED
openapi: 3.1.0
info:
  title: FYATU CaaS API v3.20
  description: >-
    FYATU Cards-as-a-Service API — API key authentication, Cardholder
    lifecycle, Card issuance, Transactions, Webhooks, and Programs.
  version: 3.20.0
  contact:
    name: FYATU Support
    url: https://fyatu.com
    email: support@fyatu.com
servers:
  - url: https://api.fyatu.com/api/v3.20
    description: >-
      FYATU CaaS API — the environment (LIVE or SANDBOX) is determined by the
      API key, not the URL
security:
  - BearerAuth: []
tags:
  - name: Meta
    description: Liveness, account info, and supported event types
  - name: Account
    description: Account-level balance and funding status
  - name: Programs
    description: Read card program configuration
  - name: Cardholders
    description: Create and manage cardholder profiles
  - name: Cards
    description: Issue, fund, freeze, and terminate virtual cards
  - name: Transactions
    description: Read-only card transaction history
  - name: Webhooks
    description: Manage webhook endpoints for real-time event delivery
  - name: Products
    description: Read card product configurations
paths: {}
components:
  securitySchemes:
    BearerAuth:
      type: http
      scheme: bearer
      description: >-
        API key from the FYATU CaaS portal. Pass as `Authorization: Bearer
        <key>`.

````