Categories

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. For example, a Payer might be a buyer on a marketplace or someone donating to a crowdfunding project.

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Possible actions

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

Payers can	Payers 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 category	Required 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

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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 can	Owners 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 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 category	Required 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

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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 wallet and transfers to other wallets.
• OWNER - User who can do everything a Payer can, plus receive transfers to their wallet. To request payouts, an Owner user’s KYCLevel must be REGULAR. For more information, see the Verification section.

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

The steps to turn a Payer into an Owner are: