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Thanks to Mangopay’s flexible wallet system, platforms are able to use third-party acquirers instead of Mangopay pay-ins and then benefit from Mangopay’s wallet and payout capabilities. Mangopay Echo is a unified solution for platforms to declare payments not acquired by Mangopay but which then transit the Mangopay environment as part of the workflow. In Echo, the payment authorization is declared as an Intent, and its subsequent lifecycle is declared as actions against the Intent – Intent Capture or else Intent Refund or Intent Dispute. Tracking the externally processed payment in Intents allows the payments to be correctly reconciled against the funds that are received on the platform’s escrow wallet. See the integration guide for an overview of the solution →

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Flow types

Mangopay Echo is applicable to platforms acquiring funds for goods or services sold by your platform directly (first-party or 1P transactions), as well as for goods or services sold by third-party sellers on your platform (third-party or 3P transactions). Read more about the difference this makes when declaring Intents →

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Echo for Mirakl Connector platforms

Some platforms acquiring with a third-party PSP are also using Mangopay’s Mirakl Connector to synchronize their sellers and payouts. Mangopay’s Mirakl Connector handles the integration of Echo for your 3P payments, which is made possible by your integration of Mirakl Custom Fields on your Mirakl API calls. For more details on this setup process, see the dedicated Echo guide for Mirakl Connector platforms. Mirakl Connector platforms also need to send settlement files to Mangopay, as described below. Furthermore, if your platform is using the Mirakl Connector and also selling goods or services directly as 1P payments, you need to integrate Echo Intents and captures for these transactions, because they are not reflected in the Mirakl Connector. In a mixed-basket scenario, where the same payment authorization contains both 1P and 3P items, you need to add line items to an Intent created by the Mirakl Connector.