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POST
/
v2.01
/
{ClientId}
/
users
/
natural
{
    "UserCategory": "PAYER",
    "TermsAndConditionsAccepted": false,
    "Address": {
        "AddressLine1": "3 rue de la Cité",
        "AddressLine2": "Appartement 7",
        "City": "Paris",
        "Region": "Île-de-France",
        "PostalCode": "75004",
        "Country": "FR"
    },
    "FirstName": "Alex",
    "LastName": "Smith",
    "Email": "[email protected]",
    "Tag": "Created using Mangopay API Postman collection"
}

{
    "Address": {
        "AddressLine1": "3 rue de la Cité",
        "AddressLine2": "Appartement 7",
        "City": "Paris",
        "Region": "Île-de-France",
        "PostalCode": "75004",
        "Country": "FR"
    },
    "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_01JHX2YFX51HSR8R2HJ8ABSEFF",
    "Tag": "Created using Mangopay API Postman collection",
    "CreationDate": 1737216704,
    "PersonType": "NATURAL",
    "Email": "[email protected]",
    "KYCLevel": "LIGHT",
    "TermsAndConditionsAccepted": false,
    "TermsAndConditionsAcceptedDate": null,
    "UserCategory": "PAYER",
    "UserStatus": "ACTIVE"
}
Caution - Deprecated endpointThe legacy User endpoints are deprecated. This endpoint will stop working and return an error after Dec 15, 2025.These endpoints were made redundant by the equivalent SCA-enabled endpoints during the introduction of SCA.Instead of calling this endpoint for user creation, your platform must call POST Create a Natural User (SCA).
Note – Country-based restrictions apply to usersDue to Mangopay’s country restrictions, it is not possible to use blocked countries as the following:
  • Nationality
  • CountryOfResidence
  • Address.Country

​
Body parameters

​
UserCategory
string
required
Allowed values: PAYER, OWNERThe 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.
​
TermsAndConditionsAccepted
boolean
required
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.
​
FirstName
string
required
Min. length: 1; max. length: 100The first name of the individual.
​
LastName
string
required
Min. length: 1; max. length: 100The last name of the individual.
​
Email
string
required
Format: A valid email addressThe email address of the user.
​
Birthday
Unix timestamp
Required if UserCategory is OWNER. 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.
​
Nationality
string
Format: Two-letter country code (ISO 3166-1 alpha-2 format)Required if UserCategory is OWNER. Returned null if UserCategory is PAYER.The nationality of the individual.
​
CountryOfResidence
string
Format: Two-letter country code (ISO 3166-1 alpha-2 format)Required if UserCategory is OWNER. Returned null if UserCategory is PAYER.The country of residence of the individual.
​
Address
object
The postal address of the user.
​
Occupation
string
Max. length: 255 charactersReturned null if UserCategory is PAYER.The occupation of the individual.
​
IncomeRange
integer
Allowed values: 1, 2, 3, 4, 5, 6, nullReturned 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
​
Tag
string
Max. length: 255 charactersCustom data that you can add to this object.

​
Responses

​
Address
object
The postal address of the user.
​
FirstName
string
Min. length: 1; max. length: 100The first name of the individual.
​
LastName
string
Min. length: 1; max. length: 100The last name of the individual.
​
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.
​
Nationality
string
Returned null if UserCategory is PAYER.The nationality of the individual.
​
CountryOfResidence
string
Returned null if UserCategory is PAYER.The country of residence of the individual.
​
Occupation
string
Max. length: 255 charactersThe occupation of the individual.Returned null if UserCategory is PAYER.
​
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
​
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.
​
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.
​
Capacity
string
This is a deprecated parameter.
​
Id
string
Max length: 128 characters (see data formats for details)The unique identifier of the object.
​
Tag
string
Max. length: 255 charactersCustom data that you can add to this object.
​
CreationDate
Unix timestamp
The date and time at which the object was created.
​
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.
​
Email
string
Format: A valid email addressThe email address of the user.
​
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.
​
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.
​
TermsAndConditionsAcceptedDate
Unix timestamp
The date and time at which the TermsAndConditionsAccepted value was set to true.Returned null if UserCategory is PAYER.
​
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.
​
UserStatus
string
Returned values: ACTIVE, CLOSEDInternal use only. This field can only be used and updated by Mangopay teams.
{
    "Message": "The data you provided does not comply with our anti-fraud policy",
    "Type": "fraud_policy",
    "Id": "51876239-4814-422e-8f4b-6986520414bb#1750420019",
    "Date": 1750420020,
    "errors": null
}
Read more about Mangopay’s AML rule preventing fake names →
{
    "Message": "One or several required parameters are missing or incorrect. An incorrect resource ID also raises this kind of error.",
    "Type": "param_error",
    "Id": "864a164a-cbb9-4e9d-b140-2b83c720e729",
    "Date": 1690291065.0,
    "errors": {
        "Email": "The field Email must match the regular expression '([a-zA-Z0-9!#$%&'*+/=?^_`{|}~-]+(?:\\.[a-zA-Z0-9!#$%&'*+/=?^_`{|}~-]+)*)@(?:[a-zA-Z0-9](?:[a-zA-Z0-9-]*[a-zA-Z0-9])?\\.)+[a-zA-Z0-9](?:[a-zA-Z0-9-]*[a-zA-Z0-9])?'."
    }
}  

{
    "Message": "One or several required parameters are missing or incorrect. An incorrect resource ID also raises this kind of error.",
    "Type": "param_error",
    "Id": "31746ec8-51e6-4cd3-bf35-339b6646f3f4#1750669238",
    "Date": 1750669239,
    "errors": {
        "CountryOfResidence": "The CountryOfResidence used is blocked"
    }
}
Read more about country restrictions →
{
    "Message": "User must accept the terms and conditions before account creation or modification.",
    "Type": "user_hasnt_accepted_terms_and_conditions",
    "Id": "dbbc752b-6f9f-4248-a4bb-04ee0ba7b4b7",
    "Date": 1730810728,
    "errors": null
}  

{
    "Address": {
        "AddressLine1": "3 rue de la Cité",
        "AddressLine2": "Appartement 7",
        "City": "Paris",
        "Region": "Île-de-France",
        "PostalCode": "75004",
        "Country": "FR"
    },
    "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_01JHX2YFX51HSR8R2HJ8ABSEFF",
    "Tag": "Created using Mangopay API Postman collection",
    "CreationDate": 1737216704,
    "PersonType": "NATURAL",
    "Email": "[email protected]",
    "KYCLevel": "LIGHT",
    "TermsAndConditionsAccepted": false,
    "TermsAndConditionsAcceptedDate": null,
    "UserCategory": "PAYER",
    "UserStatus": "ACTIVE"
}

{
    "UserCategory": "PAYER",
    "TermsAndConditionsAccepted": false,
    "Address": {
        "AddressLine1": "3 rue de la Cité",
        "AddressLine2": "Appartement 7",
        "City": "Paris",
        "Region": "Île-de-France",
        "PostalCode": "75004",
        "Country": "FR"
    },
    "FirstName": "Alex",
    "LastName": "Smith",
    "Email": "[email protected]",
    "Tag": "Created using Mangopay API Postman collection"
}