Introduction
Verification is necessary for Owner users wishing to take actions beyond the limits defined in the Limits article. This page outlines the requirements that a user needs to fulfill to be verified. When verified, the User object’sKYCLevel parameter has the value REGULAR instead of LIGHT (value by default).
To request verification, a user must already be an Owner, meaning that they have provided the required information depending on their type.
Natural users
Natural users only need to validate their proof of identity.- Natural - Hosted IDV
- Natural - Legacy
| Identity proof (accepted) | Required for the individual | Liveness check during the hosted IDV session |
Hosted IDV
Read about Mangopay’s web-hosted KYC/KYB solution
Integrating hosted IDV
Integrate hosted IDV on your platform
Natural user flow
Understand the hosted IDV flow for Natural users
Legal users
Legal entities and sole proprietors, represented by legal users, are subject to more extensive verification requirements. A legal representative must be declared and verified in the same way as for natural persons. Legal users must also provide other documents to prove their registration and incorporation (if applicable). Because legal entities are governed and structured differently depending on the jurisdiction, the exact documents accepted for each type are different depending on the country of registration. Businesses must also provide information about their beneficial owners.Coming soon: All legal reps and UBOs verified
In the coming months, Mangopay will be introducing identity verification for all individuals connected with the legal entity:- For Business – All legal representatives and beneficial owners (UBOs)
- For Organization – All legal representatives
KYCLevel will become REGULAR).
Will all individuals listed in public registries need to be verified?
Not necessarily. In cases where tens of individuals are listed, not all of them will need to be verified. Mangopay is taking a pragmatic risk-based approach to optimize Legal User onboarding in full compliance. Additionally, the criteria by which Mangopay defines a beneficial owner is not changing – this is typically individuals ultimately owning 25% or more, whether directly or through holding companies (see full description here). It is possible that the percentage threshold will be tightened for a given Legal User based on Mangopay’s risk assessment.Current flows
For more details about the current flows that are ready to integrate, see the hosted IDV guides:Hosted IDV
Read about Mangopay’s web-hosted KYC/KYB solution
Integrating hosted IDV
Integrate hosted IDV on your platform
Business flow
Understand the hosted IDV flow for Businesses
Organization flow
Understand the hosted IDV flow for Organizations
Business
- Business - Hosted IDV
- Business - Legacy
| Registration number | Required | Entered by the user during the hosted IDV session | |
| Registration proof (accepted) | Required | Uploaded by the user during the hosted IDV session | |
| Articles of association (accepted) | May be required if the automated check returns no match | If required, uploaded by the user during the hosted IDV session | |
| Identity proof (accepted) | Now: Required for one registered director | Liveness check during the single hosted IDV session (same link) | |
| Beneficial owners | Now: Only details required | Declared by the user during the hosted IDV session as Persons of Significant Control () | |
| Coming soon read more | ID verification required for all registered directors and beneficial owners | Multiple liveness checks sent by email (addresses submitted by user in main IDV session) | |
| Shareholder Declaration | May be requested if the other KYB documents don’t give sufficient information | If requested, submitted as an additional document via the API | |
Organization
- Organization - Hosted IDV
- Organization - Legacy
| Registration number | Recommended if it exists | Optionally entered by the user during the hosted IDV session | |
| Registration proof (accepted) | Required | Uploaded by the user during the hosted IDV session | |
| Articles of association (accepted) | Required | Uploaded by the user during the hosted IDV session | |
| Identity proof (accepted) | Now: Required for one registered director | Liveness check during the single hosted IDV session (same link) | |
| Coming soon read more | Required for all registered directors | Multiple liveness checks sent by email (addresses submitted by user in main IDV session) | |
| Beneficial owners | Not applicable | ||
| Shareholder Declaration | May be requested if the other KYB documents don’t give sufficient information | If requested, submitted as an additional document via the API | |
Soletrader
Soletrader users should declare their personal details in theLegalRepresentative fields, and their registered name and address must be in the Name and HeadquartersAddress parameters.
- Soletrader - Hosted IDV
- Soletrader - Legacy
| Registration number | Recommended if it exists | Optionally entered by the user during the hosted IDV session |
| Registration proof (accepted) | Required | Uploaded by the user during the hosted IDV session |
| Articles of association | Not applicable | |
| Identity proof (accepted) | Required for the sole proprietor (LegalRepresentative) | Liveness check during the hosted IDV session |
| Beneficial owners | Not applicable | |
| Shareholder Declaration | May be requested if the other KYB documents don’t give sufficient information | If requested, submitted as an additional document via the API |
Partnership
The Partnership type only applies to the Gesellschaft bürgerlichen Rechts (GbR) in Germany. See DE - Partnership for more details. The Partnership type should not be used for any other entity, even if it’s name includes the notion of a “partnership”. If you are onboarding the German GbR entity, contact Mangopay for guidance.- Partnership - Hosted IDV
- Partnership - Legacy
| Registration number | Not applicable | |
| Registration proof (accepted) | Required | Contact Mangopay for GbR integration details |
| Articles of association (accepted) | Required if it exists for the entity | Contact Mangopay for GbR integration details |
| Identity proof (accepted) | Required for the declared LegalRepresentative | Contact Mangopay for GbR integration details |
| Beneficial owners | Required | Contact Mangopay for GbR integration details |
| Shareholder Declaration | May be requested if the other KYB documents don’t give sufficient information | If requested, submitted as an additional document via the API |