Upvote:7
If the photo is not suitable, than at the time you attend the consulate they will instruct you to provide a physical photo that meets the requirements. I've seen this occur for multiple people in the Sydney consulate - for each person they directed them to a nearby shop that could take the photo, and would not allow them to proceed with the application until they returned with the photo.
Given that you haven't done anything yet other than submit the DS-160, your options are to either :