Blocked users

Introduction

As part of MANGOPAY's aim to guarantee the integrity of transactions conducted using its services, and, in accordance with relevant regulations, our teams may block users. Blocking involves the restriction of payment services to a specific end user for reasons of suspected fraudulent behaviour or compliance risk. This page explains the scope of MANGOPAY's blocks on users and the steps that can be taken to unblock them.

Scope of activities that may be blocked

One or both of the following blocks may be applied to a user:

Blocked inflows

If a user has his inflows blocked then he won’t be able to make any sort of Payin or Preauthorization.

If such a transaction is attempted then you will receive the following response:

{
    "Status": "FAILED",
    "ResultCode": "008700",
    "ResultMessage": "User blocked by Fraud policy"
}

If you want to avoid such action, you can also ask our /regulatory endpoint before allowing a Payin Bankwire or Payin IBAN to be done. You can find all the information regarding this endpoint in the documentation bellow.

Blocked outflows

If a user has his outflows blocked then he won’t be able to make a payout.

If such a transaction is attempted then you will receive the following response:

{
    "Status": "FAILED",
    "ResultCode": "008700",
    "ResultMessage": "User blocked by Fraud policy"
}

This specific ResultCode “008700” is dedicated to any transaction being refused because of the user being blocked.

Don’t hesitate to check the documentation bellow to have more information about how to handle such cases.

Obtaining information about a blocked user

Endpoint

To find out the scope and status of blocks on a specific user, you can use the following call to the Regulatory endpoint:

GET ClientID/users/userID/Regulatory

Here is an example response:

{
   "ActionCode": "008702",
   "ScopeBlocked": {
          "Inflows": false,
          "Outflows": true
   },
   "Id": "6639696"
}

Parameters:

• ScopeBlocked: the block status of each scope (inflows and outflows)
• ActionCode: a code corresponding to the reasons for the block and actions that can be taken to unblock the user
• Id: the user ID
  

Hooks

The following hooks can be set up to receive notifications about blocked users:

USER_INFLOWS_BLOCKED 

USER_INFLOWS_UNBLOCKED

USER_OUTFLOWS_BLOCKED

USER_OUTFLOWS_UNBLOCKED

These hooks can be created using:

{
        "EventType": "USER_OUTFLOWS_BLOCKED",
        "Url": "https://www.test.com",
}

The response will show:

{
        "Url": "https://www.test.com"
        "Status": "ENABLED"
        "Validity": "VALID",
        "EventType": "USER_OUTFLOWS_BLOCKED",
        "Id": "6639696"
        "CreationDate": "1606315995",
}

Once set up, hooks will show:

{
        "RessouceId": "6639696"
        "EventType": "USER_OUTFLOWS_BLOCKED"
        "Date": "1606382707"
}

For more information, please refer to the Hooks section of this documentation.

Taking action to unblock a user

An ActionCode is included in the response from the endpoint. The following table provides more information on:

• what each code means
• what actions can be taken to unblock the user
• the email address to use for correspondence