Document submission process
Process
The verification process can be broken down into the following steps:
You can submit end users’ verification documents with the dedicated KYC Documents endpoints.
Submission requires a minimum of 3 API calls:
- Create the KYC Document
- Upload each file as a KYC Document Page (this call must be repeated for each file)
- Submit the KYC Document by changing its status.
Follow the how-to guide for a step-by-step explanation:
How to
Submit a KYC Document for verification
Note - Verification time
Verification takes on average 24 hours on to be completed by the Mangopay Compliance team.
You can use webhooks to be notified of the KYC Document status update.
Mangopay returns the following statuses once the verification process is done:
VALIDATED– The document is validated by Mangopay’s team.REFUSED– The document is rejected by Mangopay’s team.
The following status may also be returned as a result of the Verification downgrade mechanism.
OUT_OF_DATE– The user’s key details have been modified. The downgrade can be triggered after submission (in the case of identity proofs) and validation (in the case of all documents).
File constraints
When uploading files as pages of the KYC Documents through the dedicated endpoints, you need to respect the the following constraints.
Format
Accepted formats: PDF, JPEG, JPG, PNG.
Encoding
All files must be Base64 encoded.
Size
File size (per KYC Document Page) is essential for good quality, therefore the following rules apply:
Identity proof
- Minimum size: 32KB
- Maximum size: about 7MB (10MB when Base64 encoded)
Other document types
- Minimum size: 1KB
- Maximum size: about 7MB (10MB when Base64 encoded)
Number of files per KYC Document
A maximum of 5 files can be submitted for a document, created as KYC Document Pages in the API.
This limit applies to all types of verification documents.
Note: A document typically requires 1 to 3 files, for example the front and back of an ID card, or a document and its translation.
Best practices
Good quality submissions are necessary to effectively assess whether documents are genuine or not.
For identity proof documents, refer to:
Guide
Best practices for submitting ID documents
For other types, the document should be:
Compliant with the accepted documents for the legal entity’s country of registration.
Consistent with the information declared for the user, the legal representative, and any beneficial owners (if applicable).
Full and complete, meaning not censored, concealed, obscured, modified or otherwise altered in any way.
Accompanied by an official translation if not in one of the accepted languages: English, French, Spanish, German, Dutch, Italian and Portuguese.
The official translation must be to English or French, signed by a certified sworn translator, and submitted in the same KYC Document object.