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Description

The Natural User object represents an individual (natural person). Mangopay users have one of two categories, indicated by UserCategory:
  • PAYER – User who can only make pay-ins to their wallets and transfers to other wallets.
  • OWNER – User who can also receive transfers to their wallets. Owners are able to request KYC verification, which if successful gives them the KYCLevel of REGULAR and the ability to request payouts.
To enable OWNER users to enroll in SCA, Mangopay released new versions of the user objects and new endpoints.

Guides

Read more about SCA on Owner users

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Changes from non-SCA object

The changes to the Natural User object are:
  • New UserStatus value PENDING_USER_ACTION indicating that the user must enroll in SCA
  • New response parameter PendingUserAction.RedirectUrl containing the SCA session URL to which the individual must be redirected (after adding an encoded returnUrl query parameter)
  • New PhoneNumber and PhoneNumberCountry parameters which may be used to pre-populate the user’s phone number in the SCA session
{
    "Address": {
        "AddressLine1": null,
        "AddressLine2": null,
        "City": null,
        "Region": null,
        "PostalCode": null,
        "Country": null
    },
    "FirstName": "Alex",
    "LastName": "Smith",
    "Birthday": null,
    "Nationality": null,
    "CountryOfResidence": null,
    "Occupation": null,
    "IncomeRange": null,
    "ProofOfIdentity": null,
    "ProofOfAddress": null,
    "Capacity": "NORMAL",
    "PhoneNumber": null,
    "PhoneNumberCountry": null,
    "Id": "user_m_01JK5MJ4Q0DM6YSH7BGKBE5CDY",
    "Tag": "Natural User v2.01 example on non-SCA endpoint",
    "CreationDate": 1738577351,
    "PersonType": "NATURAL",
    "Email": "alex.smith@example.com",
    "KYCLevel": "LIGHT",
    "TermsAndConditionsAccepted": false,
    "TermsAndConditionsAcceptedDate": null,
    "UserCategory": "PAYER",
    "UserStatus": "ACTIVE"
}

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Attributes

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FirstName
string
Min. length: 1; max. length: 100The first name of the individual.
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LastName
string
Min. length: 1; max. length: 100The last name of the individual.
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Birthday
Unix timestamp
Returned null if UserCategory is PAYER.The date of birth of the individual.Note: This is a Unix timestamp in UTC. Ensure you convert your timezone to UTC to avoid midnight being interpreted as the day before.
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Nationality
string
Returned null if UserCategory is PAYER.The nationality of the individual.
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CountryOfResidence
string
Returned null if UserCategory is PAYER.The country of residence of the individual.
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Occupation
string
Max. length: 255 charactersThe occupation of the individual.Returned null if UserCategory is PAYER.
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IncomeRange
integer
Returned null if UserCategory is PAYER.The bracket indicating the income of the individual. The brackets are:
  • 1: < 18K
  • 2: 18K - 30K
  • 3: 30K - 50K
  • 4: 50K - 80K
  • 5: 80K - 120K
  • 6: > 120K
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ProofOfIdentity
string
The Id of the KYC Document whose Type is IDENTITY_PROOF if validated for the user. If no identity proof is validated, then this value is null.
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ProofOfAddress
string
The Id of the KYC Document whose Type is ADDRESS_PROOF if validated for the user. If no address proof is validated, then this value is null.
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Capacity
string
This is a deprecated parameter.
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PhoneNumber
string
Format: International E.164 standard (preceded by plus sign and country code) or local formatThe individual’s phone number. The local format (recommended) requires PhoneNumberCountry to ensure correct formatting.If present, the phone number forms part of card transaction data that is passed to issuers to improve authentication rates.For users with UserCategory OWNER , the phone number is used to pre-populate the SCA session for them to confirm and receive an SMS OTP. If the individual modifies the phone number during the session, this data is not updated in the API.
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PhoneNumberCountry
string
Format: Two-letter country code (ISO 3166-1 alpha-2 format)Required if the PhoneNumber is provided in local format (recommended), to render the value in the E.164 standard.
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Address
object
The postal address of the user.
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PendingUserAction
object
Object containing the link needed for SCA redirection if triggered by the API call (otherwise returned null).
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Id
string
Max length: 128 characters (see data formats for details)The unique identifier of the object.
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Tag
string
Max. length: 255 charactersCustom data that you can add to this object.
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CreationDate
Unix timestamp
The date and time at which the object was created.
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PersonType
string
Returned values: NATURAL, LEGALThe type of the user:
  • NATURAL – Natural users are individuals (natural persons).
  • LEGAL – Legal users are legal entities (legal persons) like companies, non-profits, and sole proprietors.
The PersonType is defined by the endpoint used to create the user and can’t be modified.
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Email
string
Format: A valid email addressThe individual’s email address.
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KYCLevel
string
Default value: LIGHTReturned values: LIGHT, REGULARThe verification status of the user set by Mangopay:
  • LIGHT – Unverified, assigned by default to all users.
  • REGULAR – Verified, meaning the user has successfully completed the verification process and had the necessary documents validated by Mangopay. Only users whose UserCategory is OWNER can submit verification documents for validation. Only users whose KYCLevel is REGULAR can request payouts.
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TermsAndConditionsAccepted
boolean
Whether the user has accepted Mangopay’s terms and conditions (as defined by your contract, see the T&Cs guide for details).Must be true if UserCategory is OWNER.
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TermsAndConditionsAcceptedDate
Unix timestamp
The date and time at which the TermsAndConditionsAccepted value was set to true.Returned null if UserCategory is PAYER.
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UserCategory
string
Possible values: PAYER, OWNER, PLATFORMThe category of the user:
  • PAYER – User who can only make pay-ins to their wallets and transfers to other wallets (as well as refunds for pay-ins and transfers).
  • OWNER – User who can also receive transfers to their wallets. Owners are able to request KYC verification, which if successful gives them the KYCLevel of REGULAR and the ability to request payouts.
  • PLATFORM – Single specific user that represents the platform. The PLATFORM value is only assigned by Mangopay and may be used as part of the validated workflow implemented by the platform.
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UserStatus
string
Returned values: PENDING_USER_ACTION, ACTIVE, CLOSEDThe status of the user:
  • PENDING_USER_ACTION – The user must enroll in SCA before they can become ACTIVE.
  • ACTIVE – The user account is active and the user can access Mangopay features.
  • CLOSED – The user account is permanently closed. This value is used by Mangopay to close an account following the procedure outlined in the terms and conditions.

Guide

Users – Categories

Guide

Owner SCA