Categories
Alongside Mangopay’s system of user types – Natural, Soletrader, Business, Organization, Partnership – there are two other key attributes that apply to all types.
These attributes govern a user’s ability to access Mangopay services.
Combining these two attributes gives the following possible profiles that represent your platform’s community of end users:
This page focuses on the primary distinction between a Payer and an unverified Owner.
KYC/KYB verification for OWNER users is treated in a dedicated section of the documentation.
The is a third value for UserCategory, PLATFORM, which is a Legal User representing your platform, and that is detailed below.
Payers
The Payer category is designed for users who only need to make payments to other users (using the payment methods offered by Mangopay) – they don’t need to receive funds.
Possible actions
The following table summarizes the actions a Payer can and can’t take:
Required information
A Payer needs to provide the following information when they are registered or re-categorized:
Note – Payers can become Owners
A user must be created as either a Payer or an Owner. Your platform can re-categorize an existing Payer as an Owner using the dedicated endpoints:
Assigning the OWNER value to an existing Payer requires them to enroll in SCA.
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.
When the OWNER value is assigned, these users must enroll in Mangopay’s SCA and accept Mangopay’s T&Cs.
To receive funds into a wallet they hold, and to request a payout to an external bank or payment account, the OWNER must successfully complete the KYC/KYB verification process.
Unless and until an Owner is successfully verified (meaning their KYCLevel becomes REGULAR), they are unable to receive funds. If at any time their KYCLevel is downgraded to LIGHT – either through periodic renewal or a change of key identity data – payment services are restricted.
Note – Unverified Owners can make pay-ins provided you declare beneficiaries
Unverified Owners can make pay-ins provided you declare the beneficiaries of the pay-in – who must be verified Owners (or PLATFORM users). This is necessary for models where sellers can also be buyers.
Read more about declaring pay-in beneficiaries →
Possible actions
The following table summarizes the actions an Owner can and can’t take:
Required information
To create an Owner, or to transition an existing Payer into an Owner, you need to provide the following information:
Note – Owners must accept Mangopay’s 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.
Platform
The third possible value for UserCategory, PLATFORM, is a user that represents your platform (that is integrating Mangopay in your app or website). Depending on your platform’s workflow and 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
Before the PLATFORM value is assigned, the User must be an OWNER. On these users, the KYCLevel is typically always REGULAR in the API but your platform’s company documentation is also renewed periodically in a separate process.
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.