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

# November 2025

> Bank account failure reasons, failure reason reference guide, machine-readable error codes, and KYC response field updates.

## Failure reasons in bank account APIs

<Badge>New</Badge>

* Added `failure_reason` to bank account API responses. Populated when verification status is `FAILED`:
  * `INVALID_IFSC` - Invalid IFSC code.
  * `INVALID_ACCOUNT_NUMBER` - Invalid account number.
  * `ACCOUNT_TYPE_NRE` - NRE account type not supported.
  * `PENNY_DROP_FAILED` - Penny drop verification failed.
  * `NAME_MISMATCH` - Account holder name mismatch.
  * `BANK_RISK_CHECK__FAILED` - Bank risk check failed.

## Failure reason reference guide

<Badge>New</Badge>

* Published [Failure Reason Reference](/api-reference-exchange/appendix/failure-reason-reference) with all failure reason values across API endpoints:
  * Bank verification failure reasons.
  * KYC verification failure reasons.
  * Payin failure reasons.

## Error codes

<Badge>New</Badge>

* Added `err_code` to all 4XX and 5XX responses for machine-readable error classification.

```json theme={null}
{
    "status": false,
    "message": "Bad Request",
    "data": null,
    "err_code": "INPUT_MALFORMED",
    "errors": {
        "field_name": ["Error message"]
    }
}
```

## Customer creation updates

<Badge>Improved</Badge>

* [Customer Create](/api-reference-exchange/endpoint/customer/create) response updated:
  * `failure_reason` - Returned when status is `FAILED`, indicating the rejection reason.
  * `document_type` - Shows the type of document used for verification.

## Add KYC updates

<Badge>Improved</Badge>

* [Add KYC](/api-reference-exchange/endpoint/kyc/add-kyc-data) response updated:
  * `failure_reason` - Returned when status is `FAILED`, indicating the rejection reason.