Getting Started

Decisions

Verdict is built around the concept of a decision. A decision contains five fields: allowed, denials, errors, referrals, and status.

Allowed

Allowed is a boolean that defines whether this action, data, etc is to be allowed to be used. Regardless of what data exists in the other fields, allowed should be the only factor in overall decision making. The other fields are for reference.

Denials

Denials contains an array of denial reasons. These are flat out denials based on risk. For example, lets say you only do business in a select set of states. If Verdict receives a payload with a state not in your approved list of states, denials could contain a string noting the state is not approved.

Referrals

Referrals contains an array of referral reasons. These are things that could be denied, but a closer look is needed to determine if it’s truly a denial or not. For example, the legal name of a business contains a word that is not wanted.

Errors

Errors contains an array of errors. These are errors around API validation, required data, etc.

Status

Status contains a string of either Declined, Referred, or Approved. This is based on the other data in the decision. If the decision contains referred reasons, but no denials then the status would be Referred. If there are reasons in the referred array, but also reasons in the denials or errors arrays, then the status is Declined.