> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mangopay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Hosted IDV for KYC/KYB

> Integrate Mangopay's web-hosted KYC/KYB verification solution

export const Psc = ({content}) => <Tooltip tip="Another term for beneficial owner: An individual who owns or holds a power of control over a legal entity, either directly or via a holding company, usually by owning more than 25% of the entity's share capital or voting rights.">
    {content}
  </Tooltip>;

Mangopay provides a web-hosted identity verification (IDV) experience on which your users can complete all the steps necessary.

The endpoint to initiate the session is the same for all users, [POST Create an IDV Session](/api-reference/idv-sessions/create-idv-session), and the user's type determines the frontend flow they are presented.

For **Natural Users**, the session allows the user to complete the liveness check using their [accepted ID proof](/guides/users/verification/requirements/id-accepted).

For the different types of **Legal User**, the session guides the user through forms to fill in regarding their legal entity.

For Businesses, the session also includes the declaration of beneficial owners, which are referred to as **Persons of Significant Control (PSCs)** in the hosted solution.

<Note>
  **Note – IDV sessions available in the Dashboard**

  In the <a href="https://hub.mangopay.com/" target="_blank">Mangopay Dashboard</a>, your platform can:

  * Generate a new session link for a user
  * See details of sessions, including the checks performed and [refusal reasons](/guides/users/verification/hosted/refusals)

  To access, navigate to a given User's profile and click the ***KYV verification*** tab.
</Note>

## Transition to hosted IDV

<Note>
  **Note - Hosted KYC/KYB verification mandatory**

  All platforms are required to integrate Mangopay's [hosted KYC/KYB experience](/guides/users/verification/hosted), relying on the [POST Create an IDV Session](/api-reference/idv-sessions/create-idv-session) endpoint.
</Note>

Mangopay’s hosted KYC/KYB solution is becoming mandatory for all platforms.

Hosted KYC/KYB streamlines the verification process for your platform by providing a secure pre-built web experience.

On the `HostedUrl` returned by one API call, [POST Create an IDV Session](/api-reference/idv-sessions/create-idv-session):

* **Natural Users** can complete a **liveness check –** taking photos of themselves and their ID proof, which is handled via a QR code if opened on desktop
* **Legal Users** can provide business information, declare beneficial owners, and then pass the URL to the declared legal representative for the liveness check

Mangopay is delivering improvements in the short term:

* Pre-population of Legal User data from the Legal User API object
* Customization using your platform’s trading name, logo, and colors

### Legacy solution

Mangopay's legacy solution remains available during the transition to hosted IDV. The [KYC Document](/api-reference/kyc-documents/kyc-document-object) and [UBO Declaration](/api-reference/ubo-declarations/ubo-declaration-object) endpoints continue to be supported for existing integrations.

In the eventuality that Mangopay requests additional documents, these cannot yet be submitted via the hosted IDV solution. In this case, your platform needs to be able to allow the user to transfer the documents to Mangopay via the legacy endpoint. Read more about [submitting additional documents](/guides/users/verification/hosted/integration#sending-additional-documents) **→**

## Experience

### Available languages

The default session language is English. On the welcome screen, the user can change this to one of the other available options: Dutch, French, German, Italian, Lithuanian, Polish, Portuguese, Romanian, Spanish.

There is no way to change the language used as the default language.

When the QR code is scanned (see below), the mobile experience to take photos inherits the language of the session.

### Session autosave and validity

The hosted KYC/KYB session autosaves the progress made by the user on each screen.

Therefore, the session URL can be closed and re-opened before submission – this may be necessary for Business and Organization flows where a registered director must be the one who performs the liveness check (on the same link).

The full session including selfie and ID check must be submitted within 7 days of creation.

After 7 days, the `Status` of the IDV Session object changes to `EXPIRED` and can no longer be submitted. However, the link returned on `HostedUrl` remains active.

### QR code on desktop

For steps that require the user to take a photo, if the URL is opened on a desktop browser then a QR code is presented on screen which the user must scan to open the session on their smartphone or tablet. Once scanned, the photo-taking progress is tracked on screen.

The experience attempts to automatically recognize the document or face in the screen and takes the photo. If this is unsuccessful, then the user can take a photo manually and choose to submit or retry.

<Note>
  **Note – Mobile session attempts ID check automatically**

  If the session is open on a phone, the user is invited to take photos of their ID and a selfie, even if they are not the declared legal representative or listed as a director on the national registry.
</Note>

### Accepted documents

All documents submitted during the session must be those accepted by Mangopay.

For the liveness check, the identity document must be one of those listed by country of issue in the [accepted ID](/guides/users/verification/requirements/id-accepted) page.

For Registration Proof and Articles of Association, the accepted documents depend on the legal status and country of registration or incorporation and are listed in the [KYB local](/guides/users/verification/requirements/kyb-local) page.

<Note>
  **Note – Session doesn’t prevent incorrect uploads**

  On the welcome screen, the session notes that the ID document used must correspond to one of those accepted by Mangopay and provides a link to the full list. However, the session supports types of ID that are not accepted by Mangopay.
</Note>

### Persons of significant control (PSC)

For Business users, the individuals declared during the session as PSCs must be beneficial owners as defined by Mangopay [here](/guides/glossary#beneficial-owner-ubo).

PSC data entered by the user during a session is not made available to the platform directly.

The legacy [UBO Declaration](/api-reference/ubo-declarations/ubo-declaration-object) feature of the API does not have an equivalent in the hosted solution: everything is submitted by the user directly in the session.