Mangopay relies on the IDV Session object to provide its hosted KYC/KYB verification solution. The object contains the unique session URL for the user’s session where they can provide all the necessary data and documents for verification. Read guide→
PENDING – The unique HostedUrl for the session has not yet been submitted by the user. This temporary state can transition to VALIDATED, REFUSED, or REVIEW.
REVIEW – One or more automated checks was neither successful nor refused, so the session was sent for manual review by Mangopay’s teams. This temporary state is only applicable to Legal users and can transition to REFUSED or VALIDATED.
VALIDATED – - The session was validated and the User became KYC/KYB verified (indicated by the User object’s KYCLevel). When the Status changes to VALIDATED, the verified data in Checks.Data is used to replace existing data in the User object.
REFUSED – The session was refused and the User is not KYC/KYB verified. The Checks.CheckStatus shows which checks were REFUSED and the Checks.Reasons shows the refused reason types and comment (which is custom text in the case of manual review for Legal users).
OUTDATED – The session is not valid because the user’s KYC/KYB verification status was downgraded by Mangopay.
Type of check carried out during the session depending on the user type:
IDENTITY_DOCUMENT_VERIFICATION - Verifies the authenticity of the identity document, the liveness of the selfie, and that the selfie matches the identity document photo.
IDV_AGE_CHECK - Checks whether the individual on the identity document meets the minimum age requirement for Mangopay users (age 18).
BUSINESS_VERIFICATION - Looks up the business details entered by the user during the session in the national registry to find a match.
IDV_NAME_MATCH_CHECK - Checks whether the first name, last name and date of birth of the identity document match the FirstName, LastName, and Birthday of the Natural user object or LegalRepresentative of the Legal user object.
BUSINESS_NAME_MATCH - Checks whether the name on the identity document is present in the name of the registered sole proprietor in the relevant national registry.
BUSINESS_INSIGHTS_MATCH - Checks whether the name on the identity document matches one of the directors listed in the national registry, and whether the PSC data declared in the session is coherent with the PSC data in the registry.
For information on which checks are performed for which user type and in which cases, see the user flows and checks performed.
The explanation of the reason. If the refusal was automatic, this is a preset string. For Legal users, if the refusal follows a manual review, this is a custom explanation from the person who conducted the review.
