Your platform facilitates payments between two groups of users: those who only need to send money and those who receive it. Mangopay calls these groups Payers and Owners.

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Payers

The Payer category is designed for users who only need to make payments to other users – they don’t need to receive money.

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Possible actions

The following table summarizes the actions a Payer can and can’t take:

Payers canPayers can’t
  • Make payments into their wallet (and be refunded)
  • Transfer money to an Owner’s wallet
  • Receive transfers to their wallet from another user
  • Request a payout to their bank account

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Required information

To create a Payer, you need to provide the following information:

User categoryRequired information
Natural user
  • First name
  • Last name
  • Email
Legal user – Business, Partnership, Organization
  • Registered name of the entity
  • Email
  • Legal representative’s first name and last name
Legal user – Soletrader
  • Registered name of the sole proprietor
  • Email
  • Sole proprietor’s first name and last name

Note - Payers can become Owners

A user must be created as either a Payer or an Owner. A Payer can become an Owner, but an Owner can’t be recategorized as a Payer.

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Owners

The Owner category is intended for users who need to receive funds from another user, for example following the sale of a product or service.

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Possible actions

Owners can do everything Payers can. The following table summarizes the actions an Owner can and can’t take:

Owners canOwners can’t
  • Make payments into their wallet (and be refunded)
  • Transfer money to an Owner’s wallet
  • Receive transfers to their wallet from another user
  • Request KYC verification
Request a payout to their bank account unless they have been verified. Find out more about Verification.

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Required information

To create an Owner, or modify an existing Payer into an Owner, you need to provide the following information:

User categoryRequired information
Natural user
  • First name
  • Last name
  • Email
  • Date of birth
  • Nationality
  • Country of residence
Legal user – Business
  • Registered name of the entity
  • Email for the entity
  • Registered address of the entity’s headquarters
  • Company registration number
  • Legal representative’s: first name, last name, email, date of birth, nationality, country of residence
Legal user – Partnership, Organization
  • Registered name of the entity
  • Email for the entity
  • Registered address of the entity’s headquarters
  • Legal representative’s: first name, last name, email, date of birth, nationality, country of residence
Legal user – Soletrader
  • Registered name of the sole proprietorship
  • Email for the sole proprietorship
  • Registered address of the sole proprietorship
  • Sole proprietor’s: first name, last name, email, date of birth, nationality, country of residence

Note - Owners must accept our terms and conditions (T&Cs)

Mangopay’s T&Cs apply to Owners on your platform. An Owner must accept the T&Cs and you must provide confirmation that they have accepted them when you create the Owner user.

The relevant T&Cs for your users are provided when your platform signs the contract with Mangopay.

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Integration

In the API, whether a user is a Payer or an Owner is governed by the UserCategory parameter, which is available on both the natural and legal user objects and required for all users.

Endpoints

The Natural User object

Endpoints

The Legal User object

The UserCategory parameter has the following values:

  • PAYER – User who can only make pay-ins to their wallets and transfers to other wallets.
  • OWNER – User who can also receive transfers to their wallets. Owners are able to request KYC verification, which if successful gives them the KYCLevel of REGULAR and the ability to request payouts.

The required information for Owners (outlined above) is required if UserCategory is OWNER. These parameters are returned null if the category is PAYER, even if they are sent.

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Changing a Payer to an Owner

Note – Owners can’t become Payers

A user must be created as either a Payer or an Owner. A Payer can become an Owner, but an Owner can’t be recategorized as a Payer.

The steps to turn a Payer into an Owner are:

1

Collect the necessary information

Owners need to provide the information described above, depending on their user type.

2

Update the user object

Update the user object with the collected information, setting UserCategory to OWNER.

PUT /v2.01/{ClientId}/users/natural/{UserId}

{
    "UserCategory": "OWNER",
    "TermsAndConditionsAccepted": true,
    "Birthday": 652117514,
    "Nationality": "FR",
    "CountryOfResidence": "FR"
}

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