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Note
Note: While testing apply flows in the Training or Merchant Integration environments you will not receive an SMS or Email pin - just enter 2222 as the pin value in the widget. You (On the purchases however, you will receive a dynamic pin for purchases however pins to the email and or phone you’ve you have set up in the Developer Portal in the Validation tab).

Scenario Description	Response Key	Response	Response Description
Applicant failed pre-bureau data checks from the application leading to a decline decision.

D

P-MISSING_INFO

Decline

Pending

Decline

Pending message for missing info
Applicant failed pre-bureau data checks from the application leading to a pending decision.	P-REVIEW_MISC	Pending	Standard pending message
Applicant has been declined for a duplicate application match.	D-DUPLICATE	Decline	Duplicate decline message
Applicant has a possible match to an existing customer leading to a pending decision.	P-EXIST_CUST	Pending	Standard pending message
Applicant has no matching credit bureau record, leading to a decline decision.	D-NO_HIT D-NO_SCORE	Decline	Standard decline message
Applicant has been approved (there is one response key for each risk rating).	A-RR_L A-RR_M A-RR_H A-RR_X	Approved	Standard approval message
Applicant has been approved/declined (there is one response key for each risk rating).	A-RR_XX A-RR_XXX	Decline if standard account is not enabled, Approved otherwise	Standard decline/approved message
Applicant has been queued for credit reasons	P-CREDIT	Pending	Standard pending message
Applicant has been queued for fraud warnings	P-FRAUD	Pending	Standard pending message
Applicant has been declined due to failed Bureau/Device authentication	D-FRAUD	Decline	Standard decline message
Applicant will need to retry due to third party timeout	D-EMAIL_DBL_TIMEOUT	Retry	Web event emitted from the widget to retry the application

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