Z7 | Identity verification
This code indicates processing is paused because identity verification is required or not yet completed.
What This Code Means
Z7 is a status code indicating that the system requires identity verification before allowing certain transactions or account actions to proceed. Identity verification controls are used to confirm that account activity is being initiated by an authorized user and that the account profile meets eligibility requirements. This code reflects a security and compliance gate, not a funding outcome and not a network failure. It does not automatically mean the user provided incorrect information; it means the system did not accept verification as complete for the current attempt or account state. Z7 can apply to high-value transfers, new payee creation, or other sensitive actions, depending on platform policy.
Where Users Usually See This Code
- During transfer initiation requiring additional identity confirmation
- When attempting to unlock account features or higher limits
- In account status banners or transaction status details
Why This Code Appears
- Identity verification step is incomplete or pending
- Account profile requires additional verification to proceed
- Security checks require step-up verification due to risk signals
- Verification outcome is not yet recorded by downstream systems
What Typically Happens Next
- The transaction remains on hold or is blocked from submission
- The system may prompt for additional verification within official flows
- Status may change once verification is completed and recorded
What This Code Is Not
- It is not an issuer availability or processing outage
- It is not an insufficient funds decline
- It is not a final decision that the transaction will fail
Troubleshooting Checklist
- □ Review whether the platform presents a verification checkpoint within the official flow
- □ Check account notices for verification requirements affecting transfers or limits
- □ Monitor whether the transaction status changes after verification completes
- □ If the verification requirement persists unexpectedly, contact official support for clarification
Notes And Edge Cases
Verification requirements can be triggered by changes in device, network, location, or transaction pattern. Some systems apply verification to the account level, affecting multiple actions until completed. Others apply it only to a specific transaction. In multi-step verification flows, a verification step may complete but not synchronize immediately across systems, causing temporary “verification required” states. The code itself does not specify which verification method is required.