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Process

The verification process can be broken down into the following steps:
1

The platform collects the necessary information for the user.
2

The platform collects the relevant document(s) from the user and submits them to Mangopay.
3

Against the information declared, Mangopay verifies the documents and either validates or refuses them.
4

In case of refusal, new documents may be required from the end user.
You can submit end users’ verification documents with the dedicated KYC Documents endpoints. Submission requires a minimum of 3 API calls: Follow the how-to guide for a step-by-step explanation:

How to

Submit a KYC Document for verification
Note - Verification timeVerification 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).

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File constraints

When uploading files as pages of the KYC Documents through the dedicated endpoints, you need to respect the the following constraints.

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Format

Accepted formats: PDF, JPEG, JPG, PNG.

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Encoding

All files must be Base64 encoded.

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Size

File size (per KYC Document Page) is essential for good quality, therefore the following rules apply:

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Identity proof

  • Minimum size: 32KB
  • Maximum size: about 7MB (10MB when Base64 encoded)

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Other document types

  • Minimum size: 1KB
  • Maximum size: about 7MB (10MB when Base64 encoded)

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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.

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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. See the Translations section for more details.