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Surface KYC rejection reasons for NEEDS_INFORMATION state #2059

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Merged
MusabShakeel576 merged 1 commit into from
May 10, 2026
+18 −6
Merged

Surface KYC rejection reasons for NEEDS_INFORMATION state #2059

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24 changes: 18 additions & 6 deletions hooks/useCardSteps/kycDisplayHelpers.ts
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Original file line number Diff line number Diff line change
Expand Up @@ -114,9 +114,16 @@ function formatKycWarnings(warnings: KycWarning[]): string {
}

/**
* User-friendly KYC description per Rain application state
* User-friendly KYC description per Rain application state.
* For NEEDS_INFORMATION, surface the specific rejection reasons (Rain only sends
* temporary, user-actionable labels for this state). Other states stay generic —
* final rejections (DENIED/LOCKED/CANCELED) intentionally do not expose the
* underlying compliance labels (e.g. SANCTIONS, PEP).
*/
export function getKYCDescription(rainApplicationStatus?: RainApplicationStatus | null): string {
export function getKYCDescription(
rainApplicationStatus?: RainApplicationStatus | null,
kycWarnings?: KycWarning[] | null,
): string {
if (!rainApplicationStatus) return DEFAULT_KYC_DESCRIPTION;
switch (rainApplicationStatus) {
case RainApplicationStatus.APPROVED:
Expand All @@ -133,8 +140,13 @@ export function getKYCDescription(rainApplicationStatus?: RainApplicationStatus
return 'This application was canceled. Contact support if you need to start over.';
case RainApplicationStatus.NEEDS_VERIFICATION:
return "Verify your identity to continue. You'll be redirected to complete verification.";
case RainApplicationStatus.NEEDS_INFORMATION:
case RainApplicationStatus.NEEDS_INFORMATION: {
const formatted = formatKycWarnings(kycWarnings ?? []);
if (formatted.length > 0) {
return `We need a bit more information to process your application:\n- ${formatted}`;
}
return 'We need a bit more information to process your application.';
}
case RainApplicationStatus.NOT_STARTED:
default:
return DEFAULT_KYC_DESCRIPTION;
Expand Down Expand Up @@ -205,12 +217,12 @@ export function getStepDescription(
options?.rainApplicationStatus &&
Object.values(RainApplicationStatus).includes(options.rainApplicationStatus);

const warnings = options?.kycWarnings ?? [];

if (options?.cardIssuer === CardProvider.RAIN && isRecognizedRainStatus) {
return getKYCDescription(options.rainApplicationStatus);
return getKYCDescription(options.rainApplicationStatus, warnings);
}

const warnings = options?.kycWarnings ?? [];

// Didit KYC rejected or expired before reaching Rain — show rejection reasons
if (options?.kycStatus === KycStatus.REJECTED) {
if (warnings.length > 0) {
Expand Down
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