> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.mangopay.com/guides/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.mangopay.com/_mcp/server.

# Guides

## Docs

- [Mangopay e-wallet system](https://docs.mangopay.com/guides/e-wallet-system.md): How Mangopay’s flexible e-wallet infrastructure can supercharge your payment flows.
- [Currencies](https://docs.mangopay.com/guides/currencies.md): Summary of Mangopay features by currency
- [Fees and billing](https://docs.mangopay.com/guides/fees.md): Learn how your platform can take fees on transactions, plus how Mangopay’s billing cycle works.
- [Glossary](https://docs.mangopay.com/guides/glossary.md): Understand key terms in payments and compliance for Mangopay flexible e-wallet solution
- [Introduction and types](https://docs.mangopay.com/guides/users/types.md): How your user community maps on to Mangopay’s user types, from private individuals to businesses, as well as non-profits and sole proprietors.
- [Categories](https://docs.mangopay.com/guides/users/categories.md): How Mangopay's system of Payer and Owner categories enables efficiency and security for your users: required information, permitted actions, plus details on the Platform category.
- [Blocked users](https://docs.mangopay.com/guides/users/blocked-users.md): Understand Mangopay’s criteria and processes for blocking users, including the reasons why and steps you can take to get them unblocked.
- [Country restrictions](https://docs.mangopay.com/guides/users/country-restrictions.md): Understand Mangopay’s country-specific restrictions, refusing funds based on origin and preventing the creation of users, bank accounts, and payouts.
- [Terms and conditions](https://docs.mangopay.com/guides/users/terms.md)
- [Privacy](https://docs.mangopay.com/guides/users/privacy.md)
- [Inactive users](https://docs.mangopay.com/guides/users/inactivity.md): Mangopay’s policy on inactive accounts (also called dormant accounts) and inactivity fees
- [Introduction to SCA](https://docs.mangopay.com/guides/sca.md): Learn about Mangopay's SCA features applicable to Owner users
- [SCA session redirection](https://docs.mangopay.com/guides/sca/session.md): Learn how to redirect a user for their hosted SCA session
- [Authentication factors](https://docs.mangopay.com/guides/sca/factors.md): Learn how authentication factors work on the hosted webpage
- [WebAuthn passkey on iOS](https://docs.mangopay.com/guides/sca/factors/passkey-ios.md): Integrate Mangopay's passkey factor in iOS apps
- [WebAuthn passkey on Android](https://docs.mangopay.com/guides/sca/factors/passkey-android.md): Integrate Mangopay's passkey factor in Android apps
- [SCA on users](https://docs.mangopay.com/guides/sca/users.md): Read about how SCA impacts user endpoints
- [SCA on recipients (bank accounts)](https://docs.mangopay.com/guides/sca/recipients.md): Read about Mangopay's new Recipients feature, replacing bank accounts
- [SCA on transfers](https://docs.mangopay.com/guides/sca/transfers.md): Read how SCA impacts the transfer endpoint
- [SCA on Mangopay Account access](https://docs.mangopay.com/guides/sca/wallets.md): Read about how SCA impacts wallet access endpoints
- [Proxy management](https://docs.mangopay.com/guides/sca/proxy-management.md): Managing user consent to the proxy allowing you to take action on their behalf
- [SCA on your platform](https://docs.mangopay.com/guides/sca/platform.md): Integrating the mTLS certificate factor required for platforms taking SCA action under proxy
- [Introduction](https://docs.mangopay.com/guides/users/verification.md): Understand identity verification with Mangopay: the rationale behind KYC/KYB, requirements for Owner users, and the specific documents needed for individuals and legal entities.
- [KYC/KYB restriction changes and pay-in beneficiaries](https://docs.mangopay.com/guides/payin-beneficiaries.md): Understand the KYC/KYB restrictions on transfers and pay-ins, and how to declare verified Owners as beneficiaries of pay-ins
- [KYC/KYB limits on payouts and user balance](https://docs.mangopay.com/guides/users/limits.md): Read about the KYC/KYB limits on payouts and wallet balance that are applicable under Mangopay's Payment Services (EEA) and Electronic Money Services (UK)
- [All requirements by user type](https://docs.mangopay.com/guides/users/verification/requirements.md)
- [Accepted identity documents](https://docs.mangopay.com/guides/users/verification/requirements/id-accepted.md): See all information required for individuals and the specific ID documents accepted depending on the country of issue.
- [Accepted local KYB documents](https://docs.mangopay.com/guides/users/verification/requirements/kyb-local.md)
- [Hosted IDV for KYC/KYB](https://docs.mangopay.com/guides/users/verification/hosted.md): Integrate Mangopay's web-hosted KYC/KYB verification solution
- [Natural users](https://docs.mangopay.com/guides/users/verification/hosted/natural.md): UX steps, validation flows, and outcomes of the hosted IDV flow for Natural Users
- [Soletrader users](https://docs.mangopay.com/guides/users/verification/hosted/soletrader.md): UX steps, validation flows, and outcomes of the hosted IDV flow for Legal Soletrader users
- [Multi-session PSC flow for Legal Users](https://docs.mangopay.com/guides/users/verification/hosted/business.md): UX steps, validation flows, and outcomes of the hosted IDV flow for Legal Business, Organization, and Partnership users
- [Business - Legacy single-session flow](https://docs.mangopay.com/guides/users/verification/hosted/business-legacy.md): Details of the legacy single-session flow for Business users, where a single legal representative is verified within the main session
- [Organization - Legacy single-session flow](https://docs.mangopay.com/guides/users/verification/hosted/organization-legacy.md): Details of the legacy single-session flow for Organization users, where a single legal representative is verified within the main session
- [Dealing with hosted KYC/KYB refusals](https://docs.mangopay.com/guides/users/verification/hosted/refusals.md)
- [KYC/KYB renewal](https://docs.mangopay.com/guides/users/verification/renewal.md): How KYC/KYB verification affects users on an ongoing basis
- [Verification downgrade](https://docs.mangopay.com/guides/users/verification/downgrade.md): Learn about the verification downgrade mechanism, the scenarios triggering a downgrade, and hook notifications for changes.
- [Document submission process](https://docs.mangopay.com/guides/users/verification/documents/submission.md): Learn about Mangopay’s KYC/KYB document validation process: submission steps, constraints, and dealing with refusals.
- [Document types](https://docs.mangopay.com/guides/users/verification/documents/types.md): Learn about types of KYC/KYB document with Mangopay: which are required for natural and legal users, plus submission constraints and guidelines.
- [How to submit a KYC Document](https://docs.mangopay.com/guides/users/verification/documents/submission/how-to.md): Step-by-step guide to submitting verification (KYC/KYB) documents: uploading files, managing outcomes, and setting up webhooks.
- [Identity proof best practices](https://docs.mangopay.com/guides/users/verification/documents/submission/id-best-practices.md): See best practices for submitting identity proof documents and errors to avoid to ensure that the document can be read and validated.
- [Dealing with refusals](https://docs.mangopay.com/guides/users/verification/documents/submission/refusals.md): 
- [Company number](https://docs.mangopay.com/guides/users/verification/company-number.md): Manage the company numbers of legal users effectively, and see all expected formats per country, to accelerate the KYB verification process.
- [Beneficial owners](https://docs.mangopay.com/guides/users/verification/beneficial-owners.md): Learn about disclosing beneficial owners for Mangopay users: required information and documents, submission process, and dealing with refusals.
- [How to submit a UBO Declaration](https://docs.mangopay.com/guides/users/verification/beneficial-owners/how-to.md): Step-by-step guide to submitting beneficial owner (UBO) declarations of beneficial owners, including managing outcomes and setting up webhooks.
- [All supported payment methods](https://docs.mangopay.com/guides/payment-methods.md): Increase conversion and expand to new markets
- [Payment method activation](https://docs.mangopay.com/guides/payment-methods/activation.md): Activating additional payment methods and currencies for your platform
- [Card processing overview](https://docs.mangopay.com/guides/payment-methods/card.md)
- [Overview](https://docs.mangopay.com/guides/payment-methods/card/direct.md)
- [How to process a card payment](https://docs.mangopay.com/guides/payment-methods/card/direct/how-to.md): Make a card payment to get funds into a Mangopay wallet
- [Overview](https://docs.mangopay.com/guides/payment-methods/card/recurring.md): Understand recurring card payments and how they work, with customizable options for subscriptions and installments.
- [How to process a recurring card payment](https://docs.mangopay.com/guides/payment-methods/card/recurring/how-to.md): Step-by-step guide to processing recurring card payments, with flexible options for subscriptions and installments.
- [Overview](https://docs.mangopay.com/guides/payment-methods/card/preauthorization.md): Find out about Mangopay’s preauthorization features to reserve funds on a card to be captured later, with 7-day or 30-day options.
- [How to process a 7-day card preauthorization](https://docs.mangopay.com/guides/payment-methods/card/preauthorization/how-to.md): Step-by-step guide to preauthorizing funds on a card, then making one or multiple captures and releasing the hold on the remaining funds.
- [30-day preauth](https://docs.mangopay.com/guides/payment-methods/card/extended-preauthorization.md): How to place a hold on a card and capture the amount within 30 days.
- [Overview](https://docs.mangopay.com/guides/payment-methods/card/validation.md): Understand how the card validation feature can benefit your platform and your users by asking the user to authenticate themselves without processing a payment.
- [How to validate a card without debiting a payment](https://docs.mangopay.com/guides/payment-methods/card/validation/how-to.md): Step-by-step guide to validating a user's card without debiting a transaction, allowing you to provide a better registration experience.
- [3DS](https://docs.mangopay.com/guides/payment-methods/card/3ds.md): Learn about the 3D Secure protocol, the multi-factor authentication for online card payments.
- [Co-branded cards](https://docs.mangopay.com/guides/payment-methods/card/co-branded.md): Learn more about managing co-branded payment cards with Mangopay.
- [Card fingerprint](https://docs.mangopay.com/guides/payment-methods/card/fingerprint.md)
- [Address verification system](https://docs.mangopay.com/guides/payment-methods/card/avs.md): Learn about how to leverage Mangopay’s card anti-fraud features, including unique card fingerprints and an address verification system for enhanced security in only payments.
- [Bank wire](https://docs.mangopay.com/guides/payment-methods/banking/bank-wire.md)
- [Pay by Bank](https://docs.mangopay.com/guides/payment-methods/banking/pay-by-bank.md)
- [Virtual accounts](https://docs.mangopay.com/guides/payment-methods/banking/virtual-iban.md)
- [Direct debit](https://docs.mangopay.com/guides/payment-methods/banking/direct-debit.md): Learn about direct debits with Mangopay: how to create a bank account, set up a mandate and make a pay-in with Bacs or SEPA schemes.
- [Overview](https://docs.mangopay.com/guides/payment-methods/apple-pay.md): How users can securely make using cards saved with Apple Pay on iOS apps and websites.
- [Payment processing certificates](https://docs.mangopay.com/guides/payment-methods/apple-pay/certificates.md)
- [Bancontact](https://docs.mangopay.com/guides/payment-methods/bancontact.md): How users can pay using Bancontact-branded cards or Bancontact QR codes.
- [Bizum](https://docs.mangopay.com/guides/payment-methods/bizum.md)
- [BLIK](https://docs.mangopay.com/guides/payment-methods/blik.md): How users can pay with BLIK, a popular payment method in Poland.
- [Giropay](https://docs.mangopay.com/guides/payment-methods/giropay.md): How users can pay via online banking using Giropay, a popular payment method in the Germany.
- [Google Pay](https://docs.mangopay.com/guides/payment-methods/google-pay.md): How Google Pay works with Mangopay, including integration setup and payment processing steps.
- [iDEAL | Wero](https://docs.mangopay.com/guides/payment-methods/ideal.md): How users can pay via online banking using iDEAL, a popular payment method in the Netherlands.
- [Klarna](https://docs.mangopay.com/guides/payment-methods/klarna.md): How users can pay with Klarna, a popular buy-now-pay-later (BNPL) payment method in Europe.
- [MB WAY](https://docs.mangopay.com/guides/payment-methods/mb-way.md): How users can pay online using the MB WAY mobile app, a popular payment method in Portugal.
- [Multibanco](https://docs.mangopay.com/guides/payment-methods/multibanco.md): How users can pay with Multibanco, a popular post-pay payment method in Portugal.
- [Payconiq](https://docs.mangopay.com/guides/payment-methods/payconiq.md): Learn more about offering Payconiq with Mangopay
- [PayPal](https://docs.mangopay.com/guides/payment-methods/paypal.md): How PayPal works with Mangopay: activation, approval, integration, and configuration for shipping and tracking.
- [Satispay](https://docs.mangopay.com/guides/payment-methods/satispay.md): How users can pay with the Satispay mobile app, a popular payment method in Italy.
- [Swish](https://docs.mangopay.com/guides/payment-methods/swish.md): Learn more about offering Swish with Mangopay
- [TWINT](https://docs.mangopay.com/guides/payment-methods/twint.md): Learn more about offering TWINT with Mangopay
- [Overview](https://docs.mangopay.com/guides/refunds.md): Understand refunds on pay-ins, transfers, and payouts, to help provide a seamless payment experience
- [How to process a refund](https://docs.mangopay.com/guides/refunds/how-to.md): Step-by-step guide to processing full or partial refunds, including transfer and pay-in refunds to return funds to the user.
- [Disputes](https://docs.mangopay.com/guides/disputes.md): Understand the dispute process: chargebacks, contesting disputes, and repudiation settlements.
- [Verification of Payee](https://docs.mangopay.com/guides/vop.md): How Verification of Payee (VOP) works and why it matters for your platform
- [VOP on pay-ins](https://docs.mangopay.com/guides/vop/payins.md): How Verification of Payee impacts pay-ins to Virtual Accounts
- [Recipients and payouts](https://docs.mangopay.com/guides/vop/recipients-payouts.md): How Verification of Payee (VOP) impacts recipients and payouts
- [Introduction](https://docs.mangopay.com/guides/payouts.md): How your users can get paid with Mangopay: payout rails available and cutoff and delivery times.
- [Integrate payout flows](https://docs.mangopay.com/guides/payouts/integration.md)
- [Rejects, returns, and recalls](https://docs.mangopay.com/guides/payouts/rejects-returns.md): Guidance for dealing with payout rejects and returns
- [Conversions](https://docs.mangopay.com/guides/fx.md): Convert funds between currencies with Mangopay’s FX features, facilitating cross-border transactions for your users as well as your platform’s cashflow management.
- [Mangopay Echo](https://docs.mangopay.com/guides/echo.md)
- [How Echo works](https://docs.mangopay.com/guides/echo/reconciliation.md)
- [Echo integration](https://docs.mangopay.com/guides/echo/integration.md)
- [Refunds and disputes](https://docs.mangopay.com/guides/echo/refunds-disputes.md): How to handle refunds and disputes at different stages of the Echo payment lifecycle
- [Hybrid flows](https://docs.mangopay.com/guides/echo/hybrid.md): How to integrate Echo when your platform acquires pay-ins with both Mangopay and a third-party PSP
- [Echo reports](https://docs.mangopay.com/guides/echo/reports.md): List intents, intent actions, settlements and splits
- [Overview](https://docs.mangopay.com/guides/fraud-prevention.md): Safeguard your platform with built-in fraud prevention tools.
- [Rules](https://docs.mangopay.com/guides/fraud-prevention/rules.md): Build high-precision rules based on your exact needs and leverage the power of Mangopay’s fraud prevention solution.