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Null when no rejection exists.","properties":{"applicant":{"oneOf":[{"type":"object","description":"Applicant-level rejection reason.","properties":{"moderation_comment":{"type":"string","example":"If you're a sole entrepreneur, upload corporate documents confirming your company's legal status.","uniqueKey":"data.oneOf.1.rejection_reason.oneOf.0.applicant.oneOf.0.moderation_comment","typeLabel":"string"},"reject_labels":{"type":"array","items":{"type":"string","uniqueKey":"data.oneOf.1.rejection_reason.oneOf.0.applicant.oneOf.0.reject_labels.items.[INDEX]","typeLabel":"string"},"example":["DOCUMENT_MISSING"],"uniqueKey":"data.oneOf.1.rejection_reason.oneOf.0.applicant.oneOf.0.reject_labels","typeLabel":"string[]"}},"uniqueKey":"data.oneOf.1.rejection_reason.oneOf.0.applicant.oneOf.0","typeLabel":"object"},{"type":"null","description":"Applicant-level rejection reason.","properties":{"moderation_comment":{"type":"string","example":"If you're a sole entrepreneur, upload corporate documents confirming your company's legal status."},"reject_labels":{"type":"array","items":{"type":"string"},"example":["DOCUMENT_MISSING"]}},"uniqueKey":"data.oneOf.1.rejection_reason.oneOf.0.applicant.oneOf.1","typeLabel":"null"}],"uniqueKey":"data.oneOf.1.rejection_reason.oneOf.0.applicant","typeLabel":"object | null"},"documents":{"type":"array","description":"Document-level rejection reasons.","items":{"type":"object","properties":{"uri":{"type":"string","example":"/7zlLPvlx_testdoc6.jpg","uniqueKey":"data.oneOf.1.rejection_reason.oneOf.0.documents.items.[INDEX].uri","typeLabel":"string"},"category":{"type":"string","example":"SUPPORTING_DOCUMENTS","uniqueKey":"data.oneOf.1.rejection_reason.oneOf.0.documents.items.[INDEX].category","typeLabel":"string"},"moderation_comment":{"type":"string","example":"This document is not accepted. The document should be of good quality.","uniqueKey":"data.oneOf.1.rejection_reason.oneOf.0.documents.items.[INDEX].moderation_comment","typeLabel":"string"},"reject_labels":{"type":"array","items":{"type":"string","uniqueKey":"data.oneOf.1.rejection_reason.oneOf.0.documents.items.[INDEX].reject_labels.items.[INDEX]","typeLabel":"string"},"example":["LOW_QUALITY"],"uniqueKey":"data.oneOf.1.rejection_reason.oneOf.0.documents.items.[INDEX].reject_labels","typeLabel":"string[]"}},"uniqueKey":"data.oneOf.1.rejection_reason.oneOf.0.documents.items.[INDEX]","typeLabel":"object"},"uniqueKey":"data.oneOf.1.rejection_reason.oneOf.0.documents","typeLabel":"object[]"},"associated_parties":{"type":"array","description":"Associated party-level rejection reasons.","items":{"type":"object","uniqueKey":"data.oneOf.1.rejection_reason.oneOf.0.associated_parties.items.[INDEX]","typeLabel":"object"},"uniqueKey":"data.oneOf.1.rejection_reason.oneOf.0.associated_parties","typeLabel":"object[]"}},"example":null,"uniqueKey":"data.oneOf.1.rejection_reason.oneOf.0","typeLabel":"object"},{"type":"null","description":"Populated when customer_status is REJECTED or ACTION_REQUIRED. Contains applicant-level, document-level, and associated party-level rejection details. Null when no rejection exists.","properties":{"applicant":{"oneOf":[{"type":"object","description":"Applicant-level rejection reason.","properties":{"moderation_comment":{"type":"string","example":"If you're a sole entrepreneur, upload corporate documents confirming your company's legal status."},"reject_labels":{"type":"array","items":{"type":"string"},"example":["DOCUMENT_MISSING"]}}},{"type":"null","description":"Applicant-level rejection reason.","properties":{"moderation_comment":{"type":"string","example":"If you're a sole entrepreneur, upload corporate documents confirming your company's legal status."},"reject_labels":{"type":"array","items":{"type":"string"},"example":["DOCUMENT_MISSING"]}}}]},"documents":{"type":"array","description":"Document-level rejection reasons.","items":{"type":"object","properties":{"uri":{"type":"string","example":"/7zlLPvlx_testdoc6.jpg"},"category":{"type":"string","example":"SUPPORTING_DOCUMENTS"},"moderation_comment":{"type":"string","example":"This document is not accepted. The document should be of good quality."},"reject_labels":{"type":"array","items":{"type":"string"},"example":["LOW_QUALITY"]}}}},"associated_parties":{"type":"array","description":"Associated party-level rejection reasons.","items":{"type":"object"}}},"example":null,"uniqueKey":"data.oneOf.1.rejection_reason.oneOf.1","typeLabel":"null"}],"uniqueKey":"data.oneOf.1.rejection_reason","typeLabel":"object | null"},"request_for_information":{"type":"array","description":"List of open requests for additional information. Populated when customer_status is ACTION_REQUIRED. Same structure as customer.rfi webhook payload.","items":{"type":"object","properties":{"section":{"type":"string","example":"ownership_documents","uniqueKey":"data.oneOf.1.request_for_information.items.[INDEX].section","typeLabel":"string"},"categories":{"type":"array","items":{"type":"object","properties":{"document_type":{"type":"string","example":"SHAREHOLDER_REGISTRY","uniqueKey":"data.oneOf.1.request_for_information.items.[INDEX].categories.items.[INDEX].document_type","typeLabel":"string"},"fields":{"type":"array","items":{"type":"object","properties":{"field_name":{"type":"string","example":"files","uniqueKey":"data.oneOf.1.request_for_information.items.[INDEX].categories.items.[INDEX].fields.items.[INDEX].field_name","typeLabel":"string"},"data_type":{"type":"string","enum":["URI","DATE","TEXT","ENUM"],"example":"URI","uniqueKey":"data.oneOf.1.request_for_information.items.[INDEX].categories.items.[INDEX].fields.items.[INDEX].data_type","typeLabel":"enum\u003cstring>"},"status":{"type":"string","enum":["MISSING","EXPIRED","INVALID"],"example":"INVALID","uniqueKey":"data.oneOf.1.request_for_information.items.[INDEX].categories.items.[INDEX].fields.items.[INDEX].status","typeLabel":"enum\u003cstring>"},"reason":{"oneOf":[{"type":"string","example":"Unacceptable document.","uniqueKey":"data.oneOf.1.request_for_information.items.[INDEX].categories.items.[INDEX].fields.items.[INDEX].reason.oneOf.0","typeLabel":"string"},{"type":"null","example":"Unacceptable document.","uniqueKey":"data.oneOf.1.request_for_information.items.[INDEX].categories.items.[INDEX].fields.items.[INDEX].reason.oneOf.1","typeLabel":"null"}],"uniqueKey":"data.oneOf.1.request_for_information.items.[INDEX].categories.items.[INDEX].fields.items.[INDEX].reason","typeLabel":"string | null"}},"uniqueKey":"data.oneOf.1.request_for_information.items.[INDEX].categories.items.[INDEX].fields.items.[INDEX]","typeLabel":"object"},"uniqueKey":"data.oneOf.1.request_for_information.items.[INDEX].categories.items.[INDEX].fields","typeLabel":"object[]"}},"uniqueKey":"data.oneOf.1.request_for_information.items.[INDEX].categories.items.[INDEX]","typeLabel":"object"},"uniqueKey":"data.oneOf.1.request_for_information.items.[INDEX].categories","typeLabel":"object[]"}},"uniqueKey":"data.oneOf.1.request_for_information.items.[INDEX]","typeLabel":"object"},"example":[],"uniqueKey":"data.oneOf.1.request_for_information","typeLabel":"object[]"}},"uniqueKey":"data.oneOf.1","typeLabel":"Business · object"}],"uniqueKey":"data","typeLabel":"Individual · object | Business · object"}},"uniqueKey":"","typeLabel":"object"},"examples":{"Business":{"title":"Business","value":{"data":{"customer_id":"671536f8-ddc5-4b1e-bd6f-27d0ed07a27c","type":"BUSINESS","business_name":"EngageXPay","email":"contact@engagexpay.com","phone":"+14155552671","country_of_incorporation":"USA","verification_type":"STANDARD","customer_status":"ACTION_REQUIRED","tos_policies_url":"https://app.engagexpay.com/orchestration-customer-tos?customer_id=671536f8-ddc5-4b1e-bd6f-27d0ed07a27c\u0026tos_policies_value=4e0e505a-36f0-4c9e-8eb1-3916410f227c","associated_parties":[{"id":"2e719a54-cdef-43f9-a5ac-f6ef679ea1dc","type":"INDIVIDUAL","ownership_percent":60,"email":"jane.smith@acmecorp.com","verification":{"status":"REJECTED","reason":{"for_customer":null,"for_developer":null},"updated_at":"2026-05-04T12:36:42Z"}},{"id":"4ef045ea-c7a7-46dc-84a0-9a3d83186971","type":"INDIVIDUAL","ownership_percent":40,"email":"robert.chen@acmecorp.com","verification":{"status":"APPROVED","reason":{"for_customer":null,"for_developer":null},"updated_at":"2026-05-04T12:29:47Z"}}],"created_at":"2026-05-04T12:11:27Z","updated_at":"2026-05-04T12:34:03Z","last_status_updated_at":"2026-05-04T12:32:34.47927Z","rejection_reason":{"applicant":{"moderation_comment":"","reject_labels":["LOW_QUALITY","UNFILLED_ID","DOCUMENT_TEMPLATE","NOT_DOCUMENT"]},"documents":[{"uri":"/ZuyUaH3a_testdoc1.png","category":"SUPPORTING_DOCUMENTS","moderation_comment":"This document is not accepted.\n - The document should be of good quality.","reject_labels":["LOW_QUALITY"]},{"uri":"/ZuyUaH3a_testdoc1.png","category":"OWNERSHIP_DOCUMENTS","moderation_comment":"This document is not accepted.\n - The document is not authentic","reject_labels":["UNFILLED_ID"]},{"uri":"/ZuyUaH3a_testdoc1.png","category":"OWNERSHIP_DOCUMENTS","moderation_comment":"This document is not accepted.\n - The uploaded file appears to be a document template.","reject_labels":["DOCUMENT_TEMPLATE"]},{"uri":"/ZuyUaH3a_testdoc1.png","category":"SUPPORTING_DOCUMENTS","moderation_comment":"This document is not accepted.\n - The file is not a document","reject_labels":["NOT_DOCUMENT"]}],"associated_parties":[{"id":"2e719a54-cdef-43f9-a5ac-f6ef679ea1dc","applicant":{"moderation_comment":"","reject_labels":["EXPIRATION_DATE"]},"documents":[{"uri":"/OUkUie0z_approved_passport.jpg","category":"PROOF_OF_IDENTITY","moderation_comment":"Your identity document must be valid for at least 2 month(s) from the date of submission.","reject_labels":["EXPIRATION_DATE"]}]}]},"request_for_information":[{"scope":"ASSOCIATED_PARTY","associated_party_id":"2e719a54-cdef-43f9-a5ac-f6ef679ea1dc","section":"identifying_documents","categories":[{"document_type":"PASSPORT","fields":[{"field_name":"type","data_type":"ENUM","status":"INVALID","options":[]},{"field_name":"expiry_date","data_type":"DATE","status":"INVALID","options":[]},{"field_name":"issue_date","data_type":"DATE","status":"INVALID","options":[]},{"field_name":"files","data_type":"URI","status":"INVALID","reason":"User identity document is not valid for at least 2 month(s) from the date of submission.","options":[]}]}]},{"scope":"CUSTOMER","section":"formation_documents","categories":[{"document_type":"EVIDENCE_OF_DIRECTORS_AND_CONTROLLERS","fields":[{"field_name":"type","data_type":"ENUM","status":"INVALID","options":[]},{"field_name":"files","data_type":"URI","status":"INVALID","reason":"Unacceptable document.","options":[]}]}]},{"scope":"CUSTOMER","section":"supporting_documents","categories":[{"document_type":"PROOF_OF_SOURCE_OF_FUNDS","fields":[{"field_name":"type","data_type":"ENUM","status":"INVALID","options":[]},{"field_name":"files","data_type":"URI","status":"INVALID","reason":"Unacceptable document.","options":[]}]}]},{"scope":"CUSTOMER","section":"ownership_documents","categories":[{"document_type":"PROOF_OF_SIGNATORY_AUTHORITY","fields":[{"field_name":"type","data_type":"ENUM","status":"INVALID","options":[]},{"field_name":"files","data_type":"URI","status":"INVALID","reason":"Document appears to be corrupted","options":[]}]}]}]}}},"Individual":{"title":"Individual","value":{"data":{"customer_id":"1f45e58d-0420-4ad8-a790-413169bfab28","type":"INDIVIDUAL","first_name":"John","last_name":"Doe","email":"john.doe@example.com","phone":"+8801748386269","country_of_residence":"BGD","verification_type":"STANDARD","customer_status":"ACTION_REQUIRED","tos_policies_url":"https://app.engagexpay.com/orchestration-customer-tos?customer_id=1f45e58d-0420-4ad8-a790-413169bfab28\u0026tos_policies_value=ffefb0cd-4f0a-4585-ad1c-f4ea76ba41b8","created_at":"2026-05-04T12:40:03Z","updated_at":"2026-05-04T12:47:50Z","last_status_updated_at":"2026-05-04T12:44:42.707598Z","rejection_reason":{"applicant":{"moderation_comment":"","reject_labels":["EXPIRATION_DATE","PROBLEMATIC_APPLICANT_DATA"]},"documents":[{"uri":"/SuElNZpi_approved_passport.jpg","category":"PROOF_OF_IDENTITY","moderation_comment":"Your identity document has expired and can't be used for verification. Please upload a different identity document.","reject_labels":["EXPIRATION_DATE"]}]},"request_for_information":[{"scope":"CUSTOMER","section":"proof_of_identity","categories":[{"document_type":"PASSPORT","fields":[{"field_name":"type","data_type":"ENUM","status":"INVALID","options":[]},{"field_name":"expiry_date","data_type":"DATE","status":"INVALID","options":[]},{"field_name":"issue_date","data_type":"DATE","status":"INVALID","options":[]},{"field_name":"files","data_type":"URI","status":"INVALID","reason":"Expired Identity document. A new document has been requested.","options":[]}]}]}]}}}},"exampleType":"examples"}},"exampleType":"examples"},"ec0ab7e6-23a1-4af1-a875-cef86508944e":{"description":"Authentication failed due to invalid credentials","content":{"application/json":{"schema":{"type":"object","properties":{"message":{"type":"string","example":"Authentication failed","uniqueKey":"message","typeLabel":"string"}},"uniqueKey":"","typeLabel":"object"},"examples":{"Example":{"title":"Example","value":{"message":"Authentication failed"}}},"exampleType":"generated"}},"exampleType":"generated"},"cec55784-1926-4522-84fd-d171aa635d18":{"description":"Resource not found","content":{"application/json":{"schema":{"type":"object","properties":{"message":{"type":"string","example":"Resource not found","uniqueKey":"message","typeLabel":"string"}},"uniqueKey":"","typeLabel":"object"},"examples":{"Example":{"title":"Example","value":{"message":"Resource not found"}}},"exampleType":"generated"}},"exampleType":"generated"},"c1af9fc1-2aae-4f9e-871b-29f0768fb828":{"description":"Failed due to a formatting error.","content":{"application/json":{"schema":{"type":"object","required":["message"],"properties":{"message":{"type":"string","isRequired":true,"uniqueKey":"message","typeLabel":"string"},"errors":{"type":"array","items":{"type":"object","additionalProperties":{"type":"string","uniqueKey":"errors.items.[INDEX].additionalProperties","typeLabel":"string"},"uniqueKey":"errors.items.[INDEX]","typeLabel":"object"},"uniqueKey":"errors","typeLabel":"object[]"}},"uniqueKey":"","typeLabel":"object"},"examples":{"Example":{"title":"Example","value":{"message":"\u003cstring>","errors":[{}]}}},"exampleType":"generated"}},"exampleType":"generated"}},"security":{"a4ca158f-8534-4b34-ae81-7182b8b78706":{"bearerAuth":{"type":"http","scheme":"bearer","bearerFormat":"JWT","description":"Bearer token authentication. 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