# Seller Rejections

In some cases, Finix will reject your sellers if we cannot support them due to financial risk, fraud risk, or other reasons. When this happens, Finix will move your seller's Merchant account to the Rejected state with outcome codes explaining we rejected them. Should you believe this was done in error or need more information, please reach out to your Finix point of contact.

## Handling Rejections with the Dashboard

On the **Merchants > Merchant Accounts** page, you can see all Merchants in your system. The **Rejected tab** shows all rejected Merchants. To see details about the rejection, you can check the **Onboarding State column**, or click on the Merchant to navigate to their account page.

![Rejected Merchant List Page](/assets/rejected-merchant-list-page.4f803540080d753b61ab6b9f41d3d7790dc329b013f8c0e8d45a088cf6790aa0.08ff7529.png)

On the Merchant page, you will see the outcome codes Finix assigned when rejecting the Merchant. You may also see notes providing additional context about the rejection (for example, we may include a note explaining that the Merchant was rejected due to being on the MATCH list for excessive chargebacks).

![Rejected Merchant Detail Page](/assets/rejected-merchant-detail-page.c269a7f9d5d7e2d67afa3de6ceabdcf493b2da7ed4888d524ccc647e278890a3.08ff7529.png)

## Handling Rejections with the API

### Merchant Resource

When Finix rejects your Merchant, your Merchant's `onboarding_state` will be `REJECTED`.


```json Rejected Merchant
{
    "id": "MUno35MtzSMr61mUvY7qCayR",
    "created_at": "2022-01-27T07:36:58.19Z",
    "updated_at": "2022-10-06T20:25:24.06Z",
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "card_cvv_required": false,
    "card_expiration_date_required": true,
    "convenience_charges_enabled": false,
    "creating_transfer_from_report_enabled": true,
    "default_partial_authorization_enabled": false,
    "fee_ready_to_settle_upon": "RECONCILIATION",
    "gross_settlement_enabled": false,
    "identity": "IDpYDM7J9n57q849o9E9yNrG",
    "level_two_level_three_data_enabled": false,
    "mcc": "4900",
    "merchant_name": "Bobs Burgers",
    "merchant_profile": "MPzW2oRPtkLxK3fymcMACFi",
    "mid": "FNXh6htoPnfwmgGdvaG4L67Q1",
    "onboarding_state": "REJECTED",
    "processing_enabled": true,
    "processor": "DUMMY_V1",
    "processor_details": {},
    "ready_to_settle_upon": "RECONCILIATION",
    "rent_surcharges_enabled": false,
    "settlement_enabled": true,
    "settlement_funding_identifier": "UNSET",
    "surcharges_enabled": false,
    "tags": {},
    "verification": "VIxfDrRKZZzkCDDbeCT15oDN",
    "_links": {}
}
```

### Verification Resource

When Finix requests updates from your Merchant, the Verification will have `state: FAILED`, as well as an `outcomes` array listing each `outcome_code` assigned to your Merchant. In addition, your Merchant will have an `outcome_summary` providing additional context about the requested updates (for example, we may include a note explaining the bank account routing number is invalid). Use the Merchant's Verification ID (`verification`) to get the Verification. Rejection outcome codes do not include any `remediation_details`.


```json Rejected Verification
{
    "id": "VIvyMuSk9EdyVUrCw2JcXq4r",
    "created_at": "2023-09-12T16:08:17.03Z",
    "updated_at": "2023-09-12T16:08:17.10Z",
    "application": "AP7sqs8G9eTwcLPpjEHLgfUq",
    "identity": null,
    "merchant": "MUno35MtzSMr61mUvY7qCayR",
    "merchant_identity": "IDbM99DS8MaYXyqynqB7z1mR",
    "messages": [],
    "outcomes": [
        {
            "outcome_code": "FINANCIAL_HISTORY",
            "remediation_details": null
        },
        {
            "outcome_code": "HIGH_RISK",
            "remediation_details": null
        }
    ],
    "outcome_summary": "Rejected due to risk.",
    "payment_instrument": null,
    "payment_instrument_verification_details": {},
    "processor": "LITLE_V1",
    "raw": [],
    "state": "FAILED",
    "tags": {},
    "trace_id": "FNXboZb9r4P8TRKXluF2udGEv",
    "type": "MERCHANT",
    "_links": {}
}
```

## Rejection Codes

| `outcome_code` | `remediation_details` |
|  --- | --- |
| `FINANCIAL_HISTORY` | `null` |
| `HIGH_RISK` | `null` |
| `INCOMPLETE_APPLICATION` | `null` |
| `INSUFFICIENT_BUSINESS_HISTORY` | `null` |
| `MATCH_LIST_DECLINE` | `null` |
| `OFAC_DECLINE` | `null` |
| `POTENTIAL_FRAUD` | `null` |
| `UNSUPPORTED_BUSINESS` | `null` |
| `OTHER` | `null` |