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.

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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 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

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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 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 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 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 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 verification, which if successful gives them the KYCLevel of REGULAR and the ability to request payouts.
• PLATFORM – Single specific user that represents the platform. 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 only applied to one user per platform (one per ClientId)
• 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.

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