User life cycle
A Mangopay user (natural or legal) can pass through different stages during its existence. Mangopay’s system is designed to be flexible while maintaining compliance with regulations in force.
Diagram
The diagram below gives an overview of the user life cycle. In purple are the actions that you take as a platform partnering with Mangopay.
Note - All 3 user states are valid final states
The journey and final state of a user on your platform depends on your business model and the actions that the user will want to take. Payer, Owner, and verified Owner are all good final states for users depending on their needs.
Key stages
The Mangopay system adapts to your specific user base depending on who your users are and in which countries they need to pay funds in and out of the Mangopay environment.
Note - All users can be blocked at any time
Mangopay may block a user at any time for reasons of risk management. Blocks prevent a user from making pay-ins and/or payouts.
You need to setup webhooks to be notified of a user being blocked. There may be steps you can take to have them unblocked. For more information, see the Blocked users article.
For all platforms, there are three key stages that are described in more detail below:
1. Create user
When you create a user, you must create them as either a Payer or an Owner. Payers only need to provide a few basic details, whereas Owners must provide more extensive information and accept Mangopay’s Terms and Conditions.
You can modify an existing Payer to make them an Owner, but an Owner can’t be turned into a Payer.
2. Request verification
You can request verification for an Owner user, which means that the user provides official documents to prove their identity. The documents are checked and validated by Mangopay to verify the user.
If Mangopay refuses a document, then the user can resubmit it (for example if the quality of the image was not good), or submit another accepted document.
This process is often referred to as KYC – know your customer. For legal users, the process is more extensive and involves other documentation about the entity’s registration, activity, and ownership.
Once verified, a user can request a payout to their bank account.
3. Downgraded
If your platform changes – or allows a user to change – key information about a user’s identity, then they lose their verified status.
This downgrade mechanism targets a restricted set of key details, like a user’s name, to help reduce the risk of financial crime.
Guide
Learn more about verification downgrade
Related resources
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