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 funds.

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Possible actions

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

Payers canPayers can’t
  • Make pay-ins to their wallet (and receive pay-in refunds)
  • Transfer money to an Owner’s wallet (and receive transfer refunds)
  • Receive transfers to their wallet from another user
  • Request a payout to their bank account

For more information about the restrictions being applied to PAYER users, see the restrictions article.

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Required information

A Payer needs to provide the following information:

User typeRequired 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 pay-ins to their wallet (and receive pay-in refunds)
  • Transfer money to an Owner’s wallet (and receive transfer refunds)
  • Receive transfers to their wallet from another user
  • Request KYC/KYB verification
Request a payout to their bank account unless they have been KYC/KYB verified. Find out more about KYC/KYB 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 typeRequired 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 has the following possible values:

  • PAYER – User who can only make pay-ins to their wallets and transfers to other wallets (as well as refunds for pay-ins and transfers).
  • OWNER – User who can also receive transfers to their wallets. Owners are able to request KYC/KYB verification, which if successful gives them the KYCLevel of REGULAR and the ability to request payouts.
  • PLATFORM – Single specific user that represents the . The PLATFORM value is only assigned by Mangopay and may be used as part of the validated workflow implemented by the platform.

When your platform first creates a User object, they must be assigned either the PAYER or OWNER category.

An existing PAYER may be changed to an OWNER (but not the other way around). SCA enrollment is being introduced on this process, as described in SCA on Users. For legacy platforms it is still possible to categorize users as OWNER via the legacy endpoint and via the Dashboard. In this case, the OWNER must later be enrolled in SCA separately.

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Note about PLATFORM category

The third possible value for UserCategory, PLATFORM, is a user that represents the platform integrating Mangopay in their app or website. Depending on the platform’s implementation, this value may be assigned to a single user by Mangopay as part of the approved and validated workflow.

The PLATFORM value:

  • Can only be applied by Mangopay
  • Is generally only applied to one user per platform (one per ClientId), but more than one is possible
  • Requires the user to have UserCategory of OWNER and be KYC verified (KYCLevel is REGULAR)

In addition to the PLATFORM user, there may be other users that are implemented for technical reasons in the context of approved and validated workflows. These may need to be categorized as PAYER or OWNER, depending on the workflow.

Restrictions on Payers

Read about how user categorization is reflected in technical restrictions

SCA on users

Read more about how SCA applies to Owner users