> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.mangopay.com/guides/users/verification/requirements/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.mangopay.com/_mcp/server. # Requirements ## Docs - [Accepted identity documents](https://docs.mangopay.com/guides/users/verification/requirements/id-accepted.md): See all information required for individuals and the specific ID documents accepted depending on the country of issue. - [Accepted local KYB documents](https://docs.mangopay.com/guides/users/verification/requirements/kyb-local.md) > **Note:** This page contains both a page directory (above) and the landing page content (below). The page directory is generated for agent use and does not appear on the landing page. > For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.mangopay.com/guides/users/verification/requirements/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.mangopay.com/_mcp/server. # All requirements by user type ## Introduction Verification is necessary for Owner users wishing to take actions beyond the limits defined in the [Limits](/guides/users/limits) article. This page outlines the requirements that a user needs to fulfill to be verified. When verified, the [User](/api-reference/users) object's `KYCLevel` 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
**Identity proof** \ ( [accepted](/guides/users/verification/requirements/id-accepted) ) **Required** for the individual Liveness check during the hosted IDV session
#### Natural - Legacy
**Identity proof** \ ( [accepted](/guides/users/verification/requirements/id-accepted) ) **Required** for the individual Submitted as a KYC Document via the API
For more details about the liveness check performed via hosted IDV, see the guides: #### [Hosted IDV](/guides/users/verification/hosted) Read about Mangopay's web-hosted KYC/KYB solution #### [Natural user flow](/guides/users/verification/hosted/natural) Understand the hosted IDV flow for Natural users > **Warning** > > **Caution – Mangopay may request additional evidence** > > Mangopay's KYC verification processes are mandated by AML regulations. Mangopay reserves the right to request any additional information and/or documents that it considers relevant for verification purposes. ## 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. > **Warning** > > **Caution – Mangopay may request additional evidence** > > Mangopay's KYC verification processes are mandated by AML regulations. Mangopay reserves the right to request any additional information and/or documents that it considers relevant for verification purposes. > > For legal users, this may include the [Shareholder Declaration](/guides/users/verification/documents/types) form, or an ID document for a beneficial owner. ### All legal reps and UBOs verified for Business, Organization, and Partnership For Business, Organization, and Partnership Legal Users, all declared **legal representatives and beneficial owners (UBOs)** are individually verified, using the hosted IDV solution's multi-session PSC flow (each declared PSC completes their own liveness check). The required persons are those listed in the public registries of directors and beneficial owners. Your Legal Users provide email addresses for the relevant individuals, who then receive a link via email to complete a liveness check – taking photos of themselves and their ID proof using their smartphone. Your platform can also manage this communication directly instead of relying on Mangopay's emails. When all required individuals have successfully completed the liveness check, the entity is verified (`KYCLevel` becomes `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](/guides/glossary#beneficial-owner-ubo)). It is possible that the percentage threshold will be tightened for a given Legal User based on Mangopay’s risk assessment. Platforms not yet migrated to this flow should refer to the [Business - Legacy](/guides/users/verification/hosted/business-legacy) or [Organization - Legacy](/guides/users/verification/hosted/organization-legacy) guide. ### Current flows For more details about the current flows that are ready to integrate, see the hosted IDV guides: #### [Hosted IDV](/guides/users/verification/hosted) Read about Mangopay's web-hosted KYC/KYB solution #### [Business and Organization flow](/guides/users/verification/hosted/business) Understand the hosted IDV flow for Businesses, Organizations, and Partnerships #### [Business flow - Legacy](/guides/users/verification/hosted/business-legacy) Understand the previous hosted IDV flow for Businesses #### [Organization flow - Legacy](/guides/users/verification/hosted/organization-legacy) Understand the previous hosted IDV flow for Organizations ## Business #### Business - Hosted IDV
**Registration \ number** **Required** Entered by the user during the hosted IDV session
**Registration proof** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **Required** Uploaded by the user during the hosted IDV session
**Articles of \ association** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **May be required** if the automated check returns no match If required, uploaded by the user during the hosted IDV session
**Identity proof** \ ( [accepted](/guides/users/verification/requirements/id-accepted) ) **Required** for every declared PSC Liveness check via individual [PSC Sessions](/guides/users/verification/hosted/business) , sent by email or managed by the platform
**Beneficial \ owners** **Required** , verified individually Declared by the user during the hosted IDV session as **Persons of Significant Control (PSCs)** , each individually verified via their own PSC 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
#### Business - Hosted IDV (Legacy)
**Registration \ number** **Required** Entered by the user during the hosted IDV session
**Registration proof** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **Required** Uploaded by the user during the hosted IDV session
**Articles of \ association** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **May be required** if the automated check returns no match If required, uploaded by the user during the hosted IDV session
**Identity proof** \ ( [accepted](/guides/users/verification/requirements/id-accepted) ) **Required** for one registered director Liveness check during the single hosted IDV session (same link)
**Beneficial \ owners** **Only details required** Declared by the user during the hosted IDV session as **Persons of Significant Control (PSCs)**
**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
#### Business - Legacy (API)
**Registration \ number** **Required** Submitted in the API's `CompanyNumber`
**Registration proof** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **Required** Submitted as a KYC Document via the API
**Articles of \ association** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **Required** Submitted as a KYC Document via the API
**Identity proof** \ ( [accepted](/guides/users/verification/requirements/id-accepted) ) **Required** for the declared `LegalRepresentative` Submitted as a KYC Document via the API
**Beneficial \ owners** **Only details required** Declared as a UBO Declaration via the API
**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
**Registration \ number** Recommended if it exists Optionally entered by the user during the hosted IDV session
**Registration proof** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **Required** Uploaded by the user during the hosted IDV session
**Articles of \ association** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **Required** Uploaded by the user during the hosted IDV session
**Identity proof** \ ( [accepted](/guides/users/verification/requirements/id-accepted) ) **Required** for every declared PSC Liveness check via individual [PSC Sessions](/guides/users/verification/hosted/business) , sent by email or managed by the platform
**Beneficial \ owners** **Required** where applicable, verified individually Declared by the user during the hosted IDV session as **Persons of Significant Control (PSCs)** , each individually verified via their own PSC 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 - Hosted IDV (Legacy)
**Registration \ number** Recommended if it exists Optionally entered by the user during the hosted IDV session
**Registration proof** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **Required** Uploaded by the user during the hosted IDV session
**Articles of \ association** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **Required** Uploaded by the user during the hosted IDV session
**Identity proof** \ ( [accepted](/guides/users/verification/requirements/id-accepted) ) **Required** for one registered director Liveness check during the single hosted IDV session (same link)
**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
#### Organization - Legacy (API)
**Registration \ number** Recommended if it exists Submitted in the API's `CompanyNumber`
**Registration proof** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **Required** Submitted as a KYC Document via the API
**Articles of \ association** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **Required** Submitted as a KYC Document via the API
**Identity proof** \ ( [accepted](/guides/users/verification/requirements/id-accepted) ) **Required** for the declared `LegalRepresentative` Submitted as a KYC Document via the API
**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 the `LegalRepresentative` fields, and their registered name and address must be in the `Name` and `HeadquartersAddress` parameters. #### Soletrader - Hosted IDV
**Registration \ number** Recommended if it exists Optionally entered by the user during the hosted IDV session
**Registration proof** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **Required** Uploaded by the user during the hosted IDV session
**Articles of association** Not applicable
**Identity proof** \ ( [accepted](/guides/users/verification/requirements/id-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
#### Soletrader - Legacy
**Registration \ number** Recommended if it exists Submitted in the API's `CompanyNumber`
**Registration proof** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **Required** Submitted as a KYC Document via the API
**Articles of association** Not applicable
**Identity proof** \ ( [accepted](/guides/users/verification/requirements/id-accepted) ) **Required** for the sole proprietor ( `LegalRepresentative` ) Submitted as a KYC Document via the API
**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](/guides/users/verification/requirements/kyb-local#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". #### Partnership - Hosted IDV
**Registration \ number** Not applicable
**Registration proof** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **Required** Uploaded by the user during the hosted IDV session
**Articles of \ association** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **Required** if it exists for the entity Uploaded by the user during the hosted IDV session
**Identity proof** \ ( [accepted](/guides/users/verification/requirements/id-accepted) ) **Required** for every declared PSC Liveness check via individual [PSC Sessions](/guides/users/verification/hosted/business) , sent by email or managed by the platform
**Beneficial \ owners** **Required** , verified individually Declared by the user during the hosted IDV session as **Persons of Significant Control (PSCs)** , each individually verified via their own PSC 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
#### Partnership - Legacy
**Registration \ number** Not applicable
**Registration proof** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **Required** Submitted as a KYC Document via the API
**Articles of \ association** \ ( [accepted](/guides/users/verification/requirements/kyb-local) ) **Required** if it exists for the entity Submitted as a KYC Document via the API
**Identity proof** \ ( [accepted](/guides/users/verification/requirements/id-accepted) ) **Required** for the declared `LegalRepresentative` Submitted as a KYC Document via the API
**Beneficial \ owners** **Only details required** Declared as a UBO Declaration via the API
**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