2019 Regulatory changes overview

MANGOPAY’s teams are constantly working to adapt to regulatory changes and ease your side of things. Please find below our dedicated regulatory pages.


Recent European regulation (AML4) has created a more stringent environment for online payments. To allow our clients and their users to maintain maximum flexibility and security, we have created a new contract. Please click on the link corresponding to the services which you are currently using to find out more about the impact of the changes and how to switch contracts.

N.B. If you are unsure which services your are currently using, click here.

  • More information for Electronic Money Services : here
  • More information for Payment Services : here


PSD2 and 3DS 2.0

The payments industry is currently set to experience major changes due to the the PSD2. The regulations oblige all electronic payment to be strongly authenticated. All actors of the industry will need to adapt their systems and procedures, notably to the 3DS 2.0 Find out what this means for you and what is MANGOPAY’s action plan.

  • More information on PSD2 and Strong Customer Authentication here
  • More information on 3DS 2.0 : here


Ultimate Beneficial Owners (UBO) and Company Number

Please be aware that we are introducing some changes to the regular verification process (KYC) as part of our constant work to improve our product and your user experience. The change comes in the form of two major improvements which will ease your legal users’ regular verification process:

  • Replacing the Shareholder declaration with UBO declaration: more information here
  • Company number will be required: more information here

Both of this improvement will be mandatory in production by the 16th of September 2019.

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