Why does my Stitch Pay Later app say "verification failed"?

Identity verification and credit assessment are separate checks. A message saying verification failed does not, by itself, establish which check stopped your application.

Identity verification

The selfie and ID steps help confirm your identity. A camera problem or an incomplete or expired session is different from a completed identity result.

If the camera will not open, check camera permissions. For an incomplete photo step, use the relevant advice in My selfie or ID verification isn't working. If you have already tried it, or there is no way to continue, contact Support with the step and exact message. A further attempt is not guaranteed.

Credit assessment

Completing a selfie does not establish that every identity step or the credit assessment passed. If your identity verification is complete but your Pay Later application was not approved, repeating the selfie does not change that credit decision. We cannot promise another credit assessment or a date to try again.

An Extend application has its own assessment. If Extend is declined, follow your existing Split schedule. See Why was my Pay Later application declined?.

If the next step is unclear

Contact Stitch Support from your registered account with the exact message and the step you reached. A screenshot with personal details hidden can help. We need to check the account result before confirming the next step. Never send a password or verification code.