Mangopay offers a range of card payment features and integration options.

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Brands and currencies

Mangopay supports the following card brands and currencies, defined by the CardType parameter.
BrandCardTypeCurrencies
Mastercard
International		CB_VISA_MASTERCARDSee the currencies page for details
Visa
International
CB
France
AMEX
International		AMEXSee the currencies page for details
Maestro
International		MAESTROEUR
Bancontact
Belgium		BCMCEUR

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Activation

The card brands available to your platform are defined during contracting. Offering American Express involves additional eligibility criteria, which are available here, and a contract addendum. The Bancontact integration using the CardType above is one of two options available, see the Bancontact guide for more details. Contact Mangopay via the Dashboard for more information.

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Card registration

Processing card payments with Mangopay involves passing sensitive card details to a dedicated tokenization server to generate a CardId.
1

Initiate card tokenization

Call the POST Create a Card Registration endpoint to initiate the flow and obtain a secure URL to which you can send card details.
2

Tokenize the card

Send the cardholder’s sensitive data directly to the tokenization server, without passing yours or Mangopay’s, thanks to the POST Tokenize the card endpoint.
3

Update the card registration object

Send the RegistrationData received from the tokenization server via PUT Update a Card Registration to generate a CardId.
4

Use the card object for a payment flow

Use the CardId to call the Mangopay API to initiate a one-time, recurring, or preauthorized card payment flow.
5

Deactivate the card

Deactivate the card if you don’t have the user’s permission to save their payment details. You can follow the same tokenization process for a future payment.
This process involves two distinct API objects:
  • Card Registration - The object to safely tokenize the card and create the Card object.
  • Card - The tokenized version of the card, whose CardId will allow you to make payments.
For more detailed guidance, see the how-to guide for one-time payments.
Best practice – Use Checkout SDKThe Mangopay Checkout SDK takes care of card tokenization for you, and simplifies your integration for cards and other payment methods.Learn more →

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Payment flows

Once the card is tokenized, a number of payment flows are available depending on the CardType.

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One-time card payment

Allow a user to pay once, and save their card details for future payments if you have permission. Availability:
  • All card types

Direct card pay-in

Process a one-time card payment with a registered card

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Validation without debit

Check the validity of a card, including 3DS authentication, without requesting payment. Availability:
  • CB_VISA_MASTERCARD only

Card validation

Validate a card without debiting it

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Recurring card payments

Set up a subscription, installments, or other recurring card transactions. Availability:
  • CB_VISA_MASTERCARD only

Recurring card payments

Set up and process subscriptions and installment payments

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7-day preauthorization

Authorize and reserve funds on a card to be captured later, at one time or in multiple captures. Availability:
  • CB_VISA_MASTERCARD – Partial and multiple captures
  • AMEX – Single capture only (partial but not multiple)
  • MAESTRO – Full capture only (not partial or multiple)

Preauthorization (7 days)

Secure funds for 6.5 days and charge the card with one or multiple captures

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30-day preauthorization

Authorize and reserve funds on a card to be captured later, including a complement in addition to the preauthorized amount. Availability:
  • CB_VISA_MASTERCARD only

Deposit preauthorization (30 days)

Secure funds for 29.5 days and capture the preauthorized amount and/or a complement

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3DS

Redirection for cardholder authentication, using the 3DS protocol, is applicable to all card payment flows.

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Co-branded cards

In certain regions and countries, regulations require you to give the user the choice of card network to be used if they are paying with a co-branded card.

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Refunds

Refunds are supported on all card brands and for all pay-in flows within 11 months of the initial pay-in. For more information on processing refunds, see the Refunds guide.

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Chargebacks and disputes

All card pay-ins may be subject to a chargeback, which is when the end user opposes a payment with their issuing bank. When a chargeback occurs, a dispute is created which may be contestable. For more information, see the Disputes guide.

Test cards

Use test cards in Sandbox

Guide

See all payment methods