Customer Verification: Application Statuses
An application moves through a defined set of statuses as it progresses through the customer verification process. Your webhook handler must be able to process all of these states.
Status reference
| Status | Description |
|---|---|
NEW | Application created. The customer has not yet started entering data. |
IN_PROGRESS | The customer has started providing data but has not yet submitted. |
SUBMITTED | The customer's application has been submitted and is awaiting a result of APPROVED, PENDING_STEP_UP, MANUAL_REVIEW or DECLINED. |
PENDING_STEP_UP | The customer submitted their initial application, but Modulr's CDD orchestration platform or CDD Operations team has requested further information to proceed. |
MANUAL_REVIEW | All information required for a manual decision has been received. May result in APPROVED, PENDING_STEP_UP, or DECLINED. |
APPROVED | Application approved. A Customer ID has been issued and accounts can be created. |
DECLINED | Application declined. The customer will not receive access to Modulr products. |
EXPIRED | A NEW or IN_PROGRESS application has been open beyond Modulr's expiry threshold. The customer must start a new application from scratch. |
Typical status flows
Straight-through (automated approval)
NEW > IN_PROGRESS > SUBMITTED > APPROVED
Step-up required (automated approval)
NEW > IN_PROGRESS > SUBMITTED > PENDING_STEP_UP > APPROVED
Manual review with step-up (manual approval)
NEW > IN_PROGRESS > SUBMITTED > MANUAL_REVIEW > PENDING_STEP_UP > MANUAL_REVIEW >APPROVED
What to do for each status
IN_PROGRESS - No action required. Store the status against your customer record.
PENDING_STEP_UP - Notify your customer that further information is needed. Re-invoke the SDK (Steps 5-8 of the integration guide) using the same applicationId. The SDK will surface the specific step-up requirements automatically.
MANUAL_REVIEW - No action required. Modulr's CDD Operations team is reviewing the application. Monitor for the next status change.
APPROVED - Await the CUSTOMER_CREATED webhook to receive the customerId and proceed with account creation.
DECLINED - The customer will not be onboarded. Notify them appropriately.
EXPIRED - The customer must restart. Create a new application via POST /applications.