Create a Natural User (SCA)

{
    "UserCategory": "PAYER",
    "TermsAndConditionsAccepted": false,
    "FirstName": "Alex",
    "LastName": "Smith",
    "Email": "alex.smith@example.com",
    "Address": {
        "AddressLine1": "3 rue de la Cité",
        "AddressLine2": "Appartement 7",
        "City": "Paris",
        "Region": "Île-de-France",
        "PostalCode": "75004",
        "Country": "FR"
    },
    "Tag": "Created using the Mangopay API Postman collection",
    "PhoneNumber": "0611111111",
    "PhoneNumberCountry": "FR"
}

{
    "UserCategory": "OWNER",
    "TermsAndConditionsAccepted": true,
    "FirstName": "Alex",
    "LastName": "Smith",
    "Email": "alex.smith@example.com",
    "Address": {
        "AddressLine1": "3 rue de la Cité",
        "AddressLine2": "Appartement 7",
        "City": "Paris",
        "Region": "Île-de-France",
        "PostalCode": "75004",
        "Country": "FR"
    },
    "Birthday": 652117514,
    "CountryOfResidence": "FR",
    "Nationality": "FR",
    "Tag": "Created using the Mangopay API Postman collection",
    "PhoneNumber": "0611111111",
    "PhoneNumberCountry": "FR"
}

const mangopayInstance = require('mangopay4-nodejs-sdk')
const mangopay = new mangopayInstance({
  clientId: 'your-mangopay-client-id',
  clientApiKey: 'your-mangopay-api-key',
})

let user = {
  UserCategory: "OWNER",
  TermsAndConditionsAccepted: true,
  FirstName: "Alex",
  LastName: "Smith",
  Email: "alex.smith@example.com",
  Address: {
    AddressLine1: "3 rue de la Cité",
    AddressLine2: "Appartement 7",
    City: "Paris",
    Region: "Île-de-France",
    PostalCode: "75004",
    Country: "FR",
  },
  Birthday: 652117514,
  CountryOfResidence: "FR",
  Nationality: "FR",
  Tag: "Created using the Mangopay NodeJS SDK",
  PhoneNumber: "0611111111",
  PhoneNumberCountry: "FR",
  PersonType: "NATURAL",
  NaturalSca: true,
};

const createUser = async (userObject) => {
  return await mangopay.Users.create(userObject)
    .then((response) => {
      console.info(response);
      return response;
    })
    .catch((err) => {
      console.log(err);
      return false;
    });
};

createUser(user);

require 'mangopay'

MangoPay.configure do |client|
  client.preproduction = true
  client.client_id = 'your-mangopay-client-id'
  client.client_apiKey = 'your-mangopay-api-key'
  client.log_file = File.join(Dir.pwd, 'mangopay.log')
end

def createNaturalUserSca(naturalUserScaObject)
  begin
    response = MangoPay::NaturalUserSca.create(naturalUserScaObject)
    puts response
    return response
  rescue MangoPay::ResponseError => error
    puts "Failed to create User: #{error.message}"
    puts "Error details: #{error.details}"
    return false
  end
end

myNaturalUserSca = {
  UserCategory: 'OWNER',
  TermsAndConditionsAccepted: true,
  FirstName: 'Alex',
  LastName: 'Smith',
  Email: 'alex.smith@example.com',
  Address: {
    AddressLine1: '3 rue de la Cité',
    AddressLine2: 'Appartement 7',
    City: 'Paris',
    Region: 'Île-de-France',
    PostalCode: '75004',
    Country: 'FR'
  },
  Birthday: 652117514,
  CountryOfResidence: 'FR',
  Nationality: 'FR',
  Tag: 'Created using the Mangopay Ruby SDK',
  PhoneNumber: '0611111111',
  PhoneNumberCountry: 'FR'
}

createNaturalUserSca(myNaturalUserSca)

using MangoPay.SDK;
using MangoPay.SDK.Core.Enumerations;
using MangoPay.SDK.Entities;
using MangoPay.SDK.Entities.POST;
using Newtonsoft.Json;

public class CreateNaturalUserSca
{
    public void Run()
    {
        Task.Run(async () =>
        {
            MangoPayApi api = new MangoPayApi();

            api.Config.ClientId = "your-client-id";
            api.Config.ClientPassword = "your-mangopay-api-key";

            var myUser = new UserNaturalScaOwnerPostDTO()
            {
                FirstName = "Dolly",
                LastName = "Nelson",
                Email = "dolly.nelson@example.com",
                Address = new Address
                {
                    AddressLine1 = "17 Rue de la République",
                    City = "Paris",
                    PostalCode = "75001",
                    Country = CountryIso.FR
                },
                Birthday = new DateTime(1985, 3, 15),
                Nationality = CountryIso.FR,
                CountryOfResidence = CountryIso.FR,
                Tag = "Created using the Mangopay .NET SDK",
                TermsAndConditionsAccepted = true,
                UserCategory = UserCategory.OWNER
            };

            var createNaturalUser = await api.Users.CreateOwnerAsync(myUser);

            string prettyPrint = JsonConvert.SerializeObject(createNaturalUser, Formatting.Indented);
            Console.WriteLine(prettyPrint);
        }).GetAwaiter().GetResult();
    }
}

<?php
require_once 'vendor/autoload.php';

use MangoPay\MangoPayApi;
use MangoPay\Libraries\ResponseException as MGPResponseException;
use MangoPay\Libraries\Exception as MGPException;

$api = new MangoPayApi();

$api->Config->ClientId = 'your-mangopay-client-id';
$api->Config->ClientPassword = 'your-mangopay-api-key';
$api->Config->TemporaryFolder = 'tmp/';

try {
    $user = new \MangoPay\UserNaturalSca();

    $user->FirstName = 'Jane';
    $user->LastName = 'Smith';
    $user->Email = "jane.smith@example.com";
    
    //$user->Address = new \MangoPay\Address();
    //$user->Address->AddressLine1 = 'Rue des plantes';
    //$user->Address->AddressLine2 = 'Building A';
    //$user->Address->City = 'Paris';
    //$user->Address->Country = 'FR';
    //$user->Address->PostalCode = '75000';
    //$user->Address->Region = 'IDF';
    $user->Tag = 'Created using the Mangopay PHP SDK';
    $user->Nationality = 'FR';
    $user->CountryOfResidence = 'FR';
    $user->Birthday = 655772400;
    $user->TermsAndConditionsAccepted = true;
    $user->UserCategory = 'Owner';
    
    $response = $api->Users->Create($user);

    print_r($response);
} catch(MGPResponseException $e) {
    print_r($e);
} catch(MGPException $e) {
    print_r($e);
}

{
    "FirstName": "Alex",
    "LastName": "Smith",
    "Birthday": null,
    "Nationality": null,
    "CountryOfResidence": null,
    "Occupation": null,
    "IncomeRange": null,
    "ProofOfIdentity": null,
    "ProofOfAddress": null,
    "Capacity": "NORMAL",
    "PhoneNumber": "0611111111",
    "PhoneNumberCountry": "FR",
    "Address": {
        "AddressLine1": "3 rue de la Cité",
        "AddressLine2": "Appartement 7",
        "City": "Paris",
        "Region": "Île-de-France",
        "PostalCode": "75004",
        "Country": "FR"
    },
    "PendingUserAction": null,
    "Id": "user_m_01JF7AP1M46TR0JH7WBGPWK7D7",
    "Tag": "Created using the Mangopay API Postman collection",
    "CreationDate": 1734339135,
    "PersonType": "NATURAL",
    "Email": "alex.smith@example.com",
    "KYCLevel": "LIGHT",
    "TermsAndConditionsAccepted": false,
    "TermsAndConditionsAcceptedDate": null,
    "UserCategory": "PAYER",
    "UserStatus": "ACTIVE"
}

{
    "FirstName": "Alex",
    "LastName": "Smith",
    "Birthday": 652117514,
    "Nationality": "FR",
    "CountryOfResidence": "FR",
    "Occupation": null,
    "IncomeRange": null,
    "ProofOfIdentity": null,
    "ProofOfAddress": null,
    "Capacity": "NORMAL",
    "PhoneNumber": "0611111111",
    "PhoneNumberCountry": "FR",
    "Address": {
        "AddressLine1": "3 rue de la Cité",
        "AddressLine2": "Appartement 7",
        "City": "Paris",
        "Region": "Île-de-France",
        "PostalCode": "75004",
        "Country": "FR"
    },
    "PendingUserAction": {
        "RedirectUrl": "https://sca.sandbox.mangopay.com/?token=0193ceab0948799a9af9726fb852fb98"
    },
    "Id": "user_m_01JF7AP1M46TR0JH7WBGPWK7D7",
    "Tag": "Created using the Mangopay API Postman collection",
    "CreationDate": 1734339135,
    "PersonType": "NATURAL",
    "Email": "alex.smith@example.com",
    "KYCLevel": "LIGHT",
    "TermsAndConditionsAccepted": true,
    "TermsAndConditionsAcceptedDate": null,
    "UserCategory": "OWNER",
    "UserStatus": "PENDING_USER_ACTION"
}

POST

v2.01

{ClientId}

sca

users

natural

{
    "UserCategory": "PAYER",
    "TermsAndConditionsAccepted": false,
    "FirstName": "Alex",
    "LastName": "Smith",
    "Email": "alex.smith@example.com",
    "Address": {
        "AddressLine1": "3 rue de la Cité",
        "AddressLine2": "Appartement 7",
        "City": "Paris",
        "Region": "Île-de-France",
        "PostalCode": "75004",
        "Country": "FR"
    },
    "Tag": "Created using the Mangopay API Postman collection",
    "PhoneNumber": "0611111111",
    "PhoneNumberCountry": "FR"
}

{
    "UserCategory": "OWNER",
    "TermsAndConditionsAccepted": true,
    "FirstName": "Alex",
    "LastName": "Smith",
    "Email": "alex.smith@example.com",
    "Address": {
        "AddressLine1": "3 rue de la Cité",
        "AddressLine2": "Appartement 7",
        "City": "Paris",
        "Region": "Île-de-France",
        "PostalCode": "75004",
        "Country": "FR"
    },
    "Birthday": 652117514,
    "CountryOfResidence": "FR",
    "Nationality": "FR",
    "Tag": "Created using the Mangopay API Postman collection",
    "PhoneNumber": "0611111111",
    "PhoneNumberCountry": "FR"
}

const mangopayInstance = require('mangopay4-nodejs-sdk')
const mangopay = new mangopayInstance({
  clientId: 'your-mangopay-client-id',
  clientApiKey: 'your-mangopay-api-key',
})

let user = {
  UserCategory: "OWNER",
  TermsAndConditionsAccepted: true,
  FirstName: "Alex",
  LastName: "Smith",
  Email: "alex.smith@example.com",
  Address: {
    AddressLine1: "3 rue de la Cité",
    AddressLine2: "Appartement 7",
    City: "Paris",
    Region: "Île-de-France",
    PostalCode: "75004",
    Country: "FR",
  },
  Birthday: 652117514,
  CountryOfResidence: "FR",
  Nationality: "FR",
  Tag: "Created using the Mangopay NodeJS SDK",
  PhoneNumber: "0611111111",
  PhoneNumberCountry: "FR",
  PersonType: "NATURAL",
  NaturalSca: true,
};

const createUser = async (userObject) => {
  return await mangopay.Users.create(userObject)
    .then((response) => {
      console.info(response);
      return response;
    })
    .catch((err) => {
      console.log(err);
      return false;
    });
};

createUser(user);

require 'mangopay'

MangoPay.configure do |client|
  client.preproduction = true
  client.client_id = 'your-mangopay-client-id'
  client.client_apiKey = 'your-mangopay-api-key'
  client.log_file = File.join(Dir.pwd, 'mangopay.log')
end

def createNaturalUserSca(naturalUserScaObject)
  begin
    response = MangoPay::NaturalUserSca.create(naturalUserScaObject)
    puts response
    return response
  rescue MangoPay::ResponseError => error
    puts "Failed to create User: #{error.message}"
    puts "Error details: #{error.details}"
    return false
  end
end

myNaturalUserSca = {
  UserCategory: 'OWNER',
  TermsAndConditionsAccepted: true,
  FirstName: 'Alex',
  LastName: 'Smith',
  Email: 'alex.smith@example.com',
  Address: {
    AddressLine1: '3 rue de la Cité',
    AddressLine2: 'Appartement 7',
    City: 'Paris',
    Region: 'Île-de-France',
    PostalCode: '75004',
    Country: 'FR'
  },
  Birthday: 652117514,
  CountryOfResidence: 'FR',
  Nationality: 'FR',
  Tag: 'Created using the Mangopay Ruby SDK',
  PhoneNumber: '0611111111',
  PhoneNumberCountry: 'FR'
}

createNaturalUserSca(myNaturalUserSca)

using MangoPay.SDK;
using MangoPay.SDK.Core.Enumerations;
using MangoPay.SDK.Entities;
using MangoPay.SDK.Entities.POST;
using Newtonsoft.Json;

public class CreateNaturalUserSca
{
    public void Run()
    {
        Task.Run(async () =>
        {
            MangoPayApi api = new MangoPayApi();

            api.Config.ClientId = "your-client-id";
            api.Config.ClientPassword = "your-mangopay-api-key";

            var myUser = new UserNaturalScaOwnerPostDTO()
            {
                FirstName = "Dolly",
                LastName = "Nelson",
                Email = "dolly.nelson@example.com",
                Address = new Address
                {
                    AddressLine1 = "17 Rue de la République",
                    City = "Paris",
                    PostalCode = "75001",
                    Country = CountryIso.FR
                },
                Birthday = new DateTime(1985, 3, 15),
                Nationality = CountryIso.FR,
                CountryOfResidence = CountryIso.FR,
                Tag = "Created using the Mangopay .NET SDK",
                TermsAndConditionsAccepted = true,
                UserCategory = UserCategory.OWNER
            };

            var createNaturalUser = await api.Users.CreateOwnerAsync(myUser);

            string prettyPrint = JsonConvert.SerializeObject(createNaturalUser, Formatting.Indented);
            Console.WriteLine(prettyPrint);
        }).GetAwaiter().GetResult();
    }
}

<?php
require_once 'vendor/autoload.php';

use MangoPay\MangoPayApi;
use MangoPay\Libraries\ResponseException as MGPResponseException;
use MangoPay\Libraries\Exception as MGPException;

$api = new MangoPayApi();

$api->Config->ClientId = 'your-mangopay-client-id';
$api->Config->ClientPassword = 'your-mangopay-api-key';
$api->Config->TemporaryFolder = 'tmp/';

try {
    $user = new \MangoPay\UserNaturalSca();

    $user->FirstName = 'Jane';
    $user->LastName = 'Smith';
    $user->Email = "jane.smith@example.com";
    
    //$user->Address = new \MangoPay\Address();
    //$user->Address->AddressLine1 = 'Rue des plantes';
    //$user->Address->AddressLine2 = 'Building A';
    //$user->Address->City = 'Paris';
    //$user->Address->Country = 'FR';
    //$user->Address->PostalCode = '75000';
    //$user->Address->Region = 'IDF';
    $user->Tag = 'Created using the Mangopay PHP SDK';
    $user->Nationality = 'FR';
    $user->CountryOfResidence = 'FR';
    $user->Birthday = 655772400;
    $user->TermsAndConditionsAccepted = true;
    $user->UserCategory = 'Owner';
    
    $response = $api->Users->Create($user);

    print_r($response);
} catch(MGPResponseException $e) {
    print_r($e);
} catch(MGPException $e) {
    print_r($e);
}

{
    "FirstName": "Alex",
    "LastName": "Smith",
    "Birthday": null,
    "Nationality": null,
    "CountryOfResidence": null,
    "Occupation": null,
    "IncomeRange": null,
    "ProofOfIdentity": null,
    "ProofOfAddress": null,
    "Capacity": "NORMAL",
    "PhoneNumber": "0611111111",
    "PhoneNumberCountry": "FR",
    "Address": {
        "AddressLine1": "3 rue de la Cité",
        "AddressLine2": "Appartement 7",
        "City": "Paris",
        "Region": "Île-de-France",
        "PostalCode": "75004",
        "Country": "FR"
    },
    "PendingUserAction": null,
    "Id": "user_m_01JF7AP1M46TR0JH7WBGPWK7D7",
    "Tag": "Created using the Mangopay API Postman collection",
    "CreationDate": 1734339135,
    "PersonType": "NATURAL",
    "Email": "alex.smith@example.com",
    "KYCLevel": "LIGHT",
    "TermsAndConditionsAccepted": false,
    "TermsAndConditionsAcceptedDate": null,
    "UserCategory": "PAYER",
    "UserStatus": "ACTIVE"
}

{
    "FirstName": "Alex",
    "LastName": "Smith",
    "Birthday": 652117514,
    "Nationality": "FR",
    "CountryOfResidence": "FR",
    "Occupation": null,
    "IncomeRange": null,
    "ProofOfIdentity": null,
    "ProofOfAddress": null,
    "Capacity": "NORMAL",
    "PhoneNumber": "0611111111",
    "PhoneNumberCountry": "FR",
    "Address": {
        "AddressLine1": "3 rue de la Cité",
        "AddressLine2": "Appartement 7",
        "City": "Paris",
        "Region": "Île-de-France",
        "PostalCode": "75004",
        "Country": "FR"
    },
    "PendingUserAction": {
        "RedirectUrl": "https://sca.sandbox.mangopay.com/?token=0193ceab0948799a9af9726fb852fb98"
    },
    "Id": "user_m_01JF7AP1M46TR0JH7WBGPWK7D7",
    "Tag": "Created using the Mangopay API Postman collection",
    "CreationDate": 1734339135,
    "PersonType": "NATURAL",
    "Email": "alex.smith@example.com",
    "KYCLevel": "LIGHT",
    "TermsAndConditionsAccepted": true,
    "TermsAndConditionsAcceptedDate": null,
    "UserCategory": "OWNER",
    "UserStatus": "PENDING_USER_ACTION"
}

Note – SCA triggered for OwnersIf UserCategory is OWNER, this endpoint triggers SCA enrollment.Your platform needs to use the returned PendingUserAction.RedirectUrl (and add an encoded returnUrl query parameter) to redirect the user so they can enroll. Read more about how to redirect them in the SCA session guide.In Sandbox, you can bypass SCA by including the word accept in the Natural User’s Email – for example accept@example.com or john.doe+accept@example.com.

Note – Country-based restrictions apply to usersDue to Mangopay’s country restrictions, it is not possible to use blocked countries as the following:

Nationality
CountryOfResidence
Address.Country

Body parameters

string

required

Min. length: 1; max. length: 100The first name of the individual.

string

required

Min. length: 1; max. length: 100The last name of the individual.

Unix timestamp

Required if UserCategory is OWNER. Returned null if UserCategory is PAYER.The date of birth of the individual.Note: This is a Unix timestamp in UTC. Ensure you convert your timezone to UTC to avoid midnight being interpreted as the day before.

string

Format: Two-letter country code (ISO 3166-1 alpha-2 format)Required if UserCategory is OWNER. Returned null if UserCategory is PAYER.The nationality of the individual.

string

Format: Two-letter country code (ISO 3166-1 alpha-2 format)Required if UserCategory is OWNER. Returned null if UserCategory is PAYER.The country of residence of the individual.

string

Max. length: 255 charactersReturned null if UserCategory is PAYER.The occupation of the individual.

integer

Allowed values: 1, 2, 3, 4, 5, 6, nullReturned null if UserCategory is PAYER.The bracket indicating the income of the individual. The brackets are:

1: < 18K
2: 18K - 30K
3: 30K - 50K
4: 50K - 80K
5: 80K - 120K
6: > 120K

string

Max. length: 255 charactersCustom data that you can add to this object.

string

required

Format: A valid email addressThe individual’s email address.

string

Format: International E.164 standard (preceded by plus sign and country code) or local formatThe individual’s phone number. The local format (recommended) requires PhoneNumberCountry to ensure correct formatting.If present, the phone number forms part of card transaction data that is passed to issuers to improve authentication rates.For users with UserCategory OWNER , the phone number is used to pre-populate the SCA session for them to confirm and receive an SMS OTP. If the individual modifies the phone number during the session, this data is not updated in the API.

string

Format: Two-letter country code (ISO 3166-1 alpha-2 format)Required if the PhoneNumber is provided in local format (recommended), to render the value in the E.164 standard.

object

The postal address of the user.

Show properties

string

required

Max. length: 255 charactersThe first line of the address.

string

Max. length: 255 charactersThe second line of the address.

string

required

Max. length: 255 charactersThe city of the address.

string

Max. length: 255 charactersThe region of the address. This field is optional except if the Country is US, CA, or MX.

string

required

Max. length: 255 charactersThe postal code of the address. The postal code can contain the following characters: alphanumeric, dashes, and spaces.

string

required

Format: Two-letter country code (ISO 3166-1 alpha-2 format)The country of the address.

boolean

required

Whether the user has accepted Mangopay’s terms and conditions (as defined by your contract, see the T&Cs guide for details).Must be true if UserCategory is OWNER.

string

required

Allowed values: PAYER, OWNERThe category of the user:

PAYER – User who can only make pay-ins to their wallets and transfers to other wallets (as well as refunds for pay-ins and transfers).
OWNER – User who can also receive transfers to their wallets. Owners are able to request KYC verification, which if successful gives them the KYCLevel of REGULAR and the ability to request payouts.

string

Possible values: USER_PRESENT, USER_NOT_PRESENTDefault value: USER_PRESENTThe SCA context of the request, which is required if the OWNER value is being assigned for UserCategory:

USER_PRESENT – The user is on session during OWNER account creation and can enroll in SCA at the same time. The platform must redirect the user using the PendingUserAction.RedirectUrl returned so that the user can complete the SCA session.
USER_NOT_PRESENT – The platform has explicit permission from Mangopay to create the OWNER user account without simultaneous SCA enrollment.

Read more about asynchronous SCA enrollment →Note: On User endpoints, ScaContext is not returned in the API response as it does not form part of the User data – it’s only related to the action being performed on the user.

Responses

200

string

Min. length: 1; max. length: 100The first name of the individual.

string

Min. length: 1; max. length: 100The last name of the individual.

Unix timestamp

Returned null if UserCategory is PAYER.The date of birth of the individual.Note: This is a Unix timestamp in UTC. Ensure you convert your timezone to UTC to avoid midnight being interpreted as the day before.

string

Returned null if UserCategory is PAYER.The nationality of the individual.

string

Returned null if UserCategory is PAYER.The country of residence of the individual.

string

Max. length: 255 charactersThe occupation of the individual.Returned null if UserCategory is PAYER.

integer

Returned null if UserCategory is PAYER.The bracket indicating the income of the individual. The brackets are:

1: < 18K
2: 18K - 30K
3: 30K - 50K
4: 50K - 80K
5: 80K - 120K
6: > 120K

string

The Id of the KYC Document whose Type is IDENTITY_PROOF if validated for the user. If no identity proof is validated, then this value is null.

string

The Id of the KYC Document whose Type is ADDRESS_PROOF if validated for the user. If no address proof is validated, then this value is null.

string

This is a deprecated parameter.

string

Format: Two-letter country code (ISO 3166-1 alpha-2 format)Required if the PhoneNumber is provided in local format (recommended), to render the value in the E.164 standard.

object

The postal address of the user.

Show properties

string

Max. length: 255 charactersThe first line of the address.

string

Max. length: 255 charactersThe second line of the address.

string

Max. length: 255 charactersThe city of the address.

string

Max. length: 255 charactersThe region of the address. This field is optional except if the Country is US, CA, or MX.

string

Max. length: 255 charactersThe postal code of the address. The postal code can contain the following characters: alphanumeric, dashes, and spaces.

string

Format: Two-letter country code (ISO 3166-1 alpha-2 format)The country of the address.

object

Object containing the link needed for SCA redirection if triggered by the API call (otherwise returned null).

Hide properties

string

The URL to which to redirect the user to perform strong customer authentication (SCA) via a Mangopay-hosted webpage. This value is a variable and should not be hardcoded.The SCA session link expires 10 minutes after it’s generated.Caution: Before redirecting the user on this URL, you must add the query parameter ReturnUrl with the percent-encoded URL to which you want the SCA session to return the user after authentication (whether successful or not).For more details, see How to redirect a user for an SCA session.

string

Max length: 128 characters (see data formats for details)The unique identifier of the object.

string

Max. length: 255 charactersCustom data that you can add to this object.

Unix timestamp

The date and time at which the object was created.

string

Returned values: NATURAL, LEGALThe type of the user:

NATURAL – Natural users are individuals (natural persons).
LEGAL – Legal users are legal entities (legal persons) like companies, non-profits, and sole proprietors.

The PersonType is defined by the endpoint used to create the user and can’t be modified.

string

Format: A valid email addressThe individual’s email address.

string

Default value: LIGHTReturned values: LIGHT, REGULARThe verification status of the user set by Mangopay:

LIGHT – Unverified, assigned by default to all users.
REGULAR – Verified, meaning the user has successfully completed the verification process and had the necessary documents validated by Mangopay. Only users whose UserCategory is OWNER can submit verification documents for validation. Only users whose KYCLevel is REGULAR can request payouts.

boolean

Whether the user has accepted Mangopay’s terms and conditions (as defined by your contract, see the T&Cs guide for details).Must be true if UserCategory is OWNER.

Unix timestamp

The date and time at which the TermsAndConditionsAccepted value was set to true.Returned null if UserCategory is PAYER.

string

Possible values: PAYER, OWNER, PLATFORMThe category of the user:

PAYER – User who can only make pay-ins to their wallets and transfers to other wallets (as well as refunds for pay-ins and transfers).
OWNER – User who can also receive transfers to their wallets. Owners are able to request KYC verification, which if successful gives them the KYCLevel of REGULAR and the ability to request payouts.
PLATFORM – Single specific user that represents the platform. The PLATFORM value is only assigned by Mangopay and may be used as part of the validated workflow implemented by the platform.

string

Returned values: PENDING_USER_ACTION, ACTIVE, CLOSEDThe status of the user:

PENDING_USER_ACTION – The user must enroll in SCA before they can become ACTIVE.
ACTIVE – The user account is active and the user can access Mangopay features.
CLOSED – The user account is permanently closed. This value is used by Mangopay to close an account following the procedure outlined in the terms and conditions.

400 - Data doesn't comply with anti-fraud policy

{
    "Message": "The data you provided does not comply with our anti-fraud policy",
    "Type": "fraud_policy",
    "Id": "51876239-4814-422e-8f4b-6986520414bb#1750420019",
    "Date": 1750420020,
    "errors": null
}

Read more about Mangopay’s AML rules on user data →

400 - Invalid email

{
    "Message": "One or several required parameters are missing or incorrect. An incorrect resource ID also raises this kind of error.",
    "Type": "param_error",
    "Id": "864a164a-cbb9-4e9d-b140-2b83c720e729",
    "Date": 1690291065.0,
    "errors": {
        "Email": "The field Email must match the regular expression '([a-zA-Z0-9!#$%&'*+/=?^_`{|}~-]+(?:\\.[a-zA-Z0-9!#$%&'*+/=?^_`{|}~-]+)*)@(?:[a-zA-Z0-9](?:[a-zA-Z0-9-]*[a-zA-Z0-9])?\\.)+[a-zA-Z0-9](?:[a-zA-Z0-9-]*[a-zA-Z0-9])?'."
    }
}  

400 - Restricted country

{
    "Message": "One or several required parameters are missing or incorrect. An incorrect resource ID also raises this kind of error.",
    "Type": "param_error",
    "Id": "31746ec8-51e6-4cd3-bf35-339b6646f3f4#1750669238",
    "Date": 1750669239,
    "errors": {
        "CountryOfResidence": "The CountryOfResidence used is blocked"
    }
}

Read more about country restrictions →

403 - TermsAndConditionsAccepted must be true if OWNER

{
    "Message": "User must accept the terms and conditions before account creation or modification.",
    "Type": "user_hasnt_accepted_terms_and_conditions",
    "Id": "dbbc752b-6f9f-4248-a4bb-04ee0ba7b4b7",
    "Date": 1730810728,
    "errors": null
}  

400 - Birthday can't indicate an age older than 120 years

{
    "Message": "One or several required parameters are missing or incorrect. An incorrect resource ID also raises this kind of error.",
    "Type": "param_error",
    "Id": "741b5be7-a34c-4fd4-abb5-75b23d0b1cec",
    "Date": 1776242161.0,
    "errors": {
        "Birthday": "The Birthday value indicates an age over 120 years, which is not allowed."
    }
}

{
    "FirstName": "Alex",
    "LastName": "Smith",
    "Birthday": null,
    "Nationality": null,
    "CountryOfResidence": null,
    "Occupation": null,
    "IncomeRange": null,
    "ProofOfIdentity": null,
    "ProofOfAddress": null,
    "Capacity": "NORMAL",
    "PhoneNumber": "0611111111",
    "PhoneNumberCountry": "FR",
    "Address": {
        "AddressLine1": "3 rue de la Cité",
        "AddressLine2": "Appartement 7",
        "City": "Paris",
        "Region": "Île-de-France",
        "PostalCode": "75004",
        "Country": "FR"
    },
    "PendingUserAction": null,
    "Id": "user_m_01JF7AP1M46TR0JH7WBGPWK7D7",
    "Tag": "Created using the Mangopay API Postman collection",
    "CreationDate": 1734339135,
    "PersonType": "NATURAL",
    "Email": "alex.smith@example.com",
    "KYCLevel": "LIGHT",
    "TermsAndConditionsAccepted": false,
    "TermsAndConditionsAcceptedDate": null,
    "UserCategory": "PAYER",
    "UserStatus": "ACTIVE"
}

{
    "FirstName": "Alex",
    "LastName": "Smith",
    "Birthday": 652117514,
    "Nationality": "FR",
    "CountryOfResidence": "FR",
    "Occupation": null,
    "IncomeRange": null,
    "ProofOfIdentity": null,
    "ProofOfAddress": null,
    "Capacity": "NORMAL",
    "PhoneNumber": "0611111111",
    "PhoneNumberCountry": "FR",
    "Address": {
        "AddressLine1": "3 rue de la Cité",
        "AddressLine2": "Appartement 7",
        "City": "Paris",
        "Region": "Île-de-France",
        "PostalCode": "75004",
        "Country": "FR"
    },
    "PendingUserAction": {
        "RedirectUrl": "https://sca.sandbox.mangopay.com/?token=0193ceab0948799a9af9726fb852fb98"
    },
    "Id": "user_m_01JF7AP1M46TR0JH7WBGPWK7D7",
    "Tag": "Created using the Mangopay API Postman collection",
    "CreationDate": 1734339135,
    "PersonType": "NATURAL",
    "Email": "alex.smith@example.com",
    "KYCLevel": "LIGHT",
    "TermsAndConditionsAccepted": true,
    "TermsAndConditionsAcceptedDate": null,
    "UserCategory": "OWNER",
    "UserStatus": "PENDING_USER_ACTION"
}

{
    "UserCategory": "PAYER",
    "TermsAndConditionsAccepted": false,
    "FirstName": "Alex",
    "LastName": "Smith",
    "Email": "alex.smith@example.com",
    "Address": {
        "AddressLine1": "3 rue de la Cité",
        "AddressLine2": "Appartement 7",
        "City": "Paris",
        "Region": "Île-de-France",
        "PostalCode": "75004",
        "Country": "FR"
    },
    "Tag": "Created using the Mangopay API Postman collection",
    "PhoneNumber": "0611111111",
    "PhoneNumberCountry": "FR"
}

{
    "UserCategory": "OWNER",
    "TermsAndConditionsAccepted": true,
    "FirstName": "Alex",
    "LastName": "Smith",
    "Email": "alex.smith@example.com",
    "Address": {
        "AddressLine1": "3 rue de la Cité",
        "AddressLine2": "Appartement 7",
        "City": "Paris",
        "Region": "Île-de-France",
        "PostalCode": "75004",
        "Country": "FR"
    },
    "Birthday": 652117514,
    "CountryOfResidence": "FR",
    "Nationality": "FR",
    "Tag": "Created using the Mangopay API Postman collection",
    "PhoneNumber": "0611111111",
    "PhoneNumberCountry": "FR"
}

const mangopayInstance = require('mangopay4-nodejs-sdk')
const mangopay = new mangopayInstance({
  clientId: 'your-mangopay-client-id',
  clientApiKey: 'your-mangopay-api-key',
})

let user = {
  UserCategory: "OWNER",
  TermsAndConditionsAccepted: true,
  FirstName: "Alex",
  LastName: "Smith",
  Email: "alex.smith@example.com",
  Address: {
    AddressLine1: "3 rue de la Cité",
    AddressLine2: "Appartement 7",
    City: "Paris",
    Region: "Île-de-France",
    PostalCode: "75004",
    Country: "FR",
  },
  Birthday: 652117514,
  CountryOfResidence: "FR",
  Nationality: "FR",
  Tag: "Created using the Mangopay NodeJS SDK",
  PhoneNumber: "0611111111",
  PhoneNumberCountry: "FR",
  PersonType: "NATURAL",
  NaturalSca: true,
};

const createUser = async (userObject) => {
  return await mangopay.Users.create(userObject)
    .then((response) => {
      console.info(response);
      return response;
    })
    .catch((err) => {
      console.log(err);
      return false;
    });
};

createUser(user);

require 'mangopay'

MangoPay.configure do |client|
  client.preproduction = true
  client.client_id = 'your-mangopay-client-id'
  client.client_apiKey = 'your-mangopay-api-key'
  client.log_file = File.join(Dir.pwd, 'mangopay.log')
end

def createNaturalUserSca(naturalUserScaObject)
  begin
    response = MangoPay::NaturalUserSca.create(naturalUserScaObject)
    puts response
    return response
  rescue MangoPay::ResponseError => error
    puts "Failed to create User: #{error.message}"
    puts "Error details: #{error.details}"
    return false
  end
end

myNaturalUserSca = {
  UserCategory: 'OWNER',
  TermsAndConditionsAccepted: true,
  FirstName: 'Alex',
  LastName: 'Smith',
  Email: 'alex.smith@example.com',
  Address: {
    AddressLine1: '3 rue de la Cité',
    AddressLine2: 'Appartement 7',
    City: 'Paris',
    Region: 'Île-de-France',
    PostalCode: '75004',
    Country: 'FR'
  },
  Birthday: 652117514,
  CountryOfResidence: 'FR',
  Nationality: 'FR',
  Tag: 'Created using the Mangopay Ruby SDK',
  PhoneNumber: '0611111111',
  PhoneNumberCountry: 'FR'
}

createNaturalUserSca(myNaturalUserSca)

using MangoPay.SDK;
using MangoPay.SDK.Core.Enumerations;
using MangoPay.SDK.Entities;
using MangoPay.SDK.Entities.POST;
using Newtonsoft.Json;

public class CreateNaturalUserSca
{
    public void Run()
    {
        Task.Run(async () =>
        {
            MangoPayApi api = new MangoPayApi();

            api.Config.ClientId = "your-client-id";
            api.Config.ClientPassword = "your-mangopay-api-key";

            var myUser = new UserNaturalScaOwnerPostDTO()
            {
                FirstName = "Dolly",
                LastName = "Nelson",
                Email = "dolly.nelson@example.com",
                Address = new Address
                {
                    AddressLine1 = "17 Rue de la République",
                    City = "Paris",
                    PostalCode = "75001",
                    Country = CountryIso.FR
                },
                Birthday = new DateTime(1985, 3, 15),
                Nationality = CountryIso.FR,
                CountryOfResidence = CountryIso.FR,
                Tag = "Created using the Mangopay .NET SDK",
                TermsAndConditionsAccepted = true,
                UserCategory = UserCategory.OWNER
            };

            var createNaturalUser = await api.Users.CreateOwnerAsync(myUser);

            string prettyPrint = JsonConvert.SerializeObject(createNaturalUser, Formatting.Indented);
            Console.WriteLine(prettyPrint);
        }).GetAwaiter().GetResult();
    }
}

<?php
require_once 'vendor/autoload.php';

use MangoPay\MangoPayApi;
use MangoPay\Libraries\ResponseException as MGPResponseException;
use MangoPay\Libraries\Exception as MGPException;

$api = new MangoPayApi();

$api->Config->ClientId = 'your-mangopay-client-id';
$api->Config->ClientPassword = 'your-mangopay-api-key';
$api->Config->TemporaryFolder = 'tmp/';

try {
    $user = new \MangoPay\UserNaturalSca();

    $user->FirstName = 'Jane';
    $user->LastName = 'Smith';
    $user->Email = "jane.smith@example.com";
    
    //$user->Address = new \MangoPay\Address();
    //$user->Address->AddressLine1 = 'Rue des plantes';
    //$user->Address->AddressLine2 = 'Building A';
    //$user->Address->City = 'Paris';
    //$user->Address->Country = 'FR';
    //$user->Address->PostalCode = '75000';
    //$user->Address->Region = 'IDF';
    $user->Tag = 'Created using the Mangopay PHP SDK';
    $user->Nationality = 'FR';
    $user->CountryOfResidence = 'FR';
    $user->Birthday = 655772400;
    $user->TermsAndConditionsAccepted = true;
    $user->UserCategory = 'Owner';
    
    $response = $api->Users->Create($user);

    print_r($response);
} catch(MGPResponseException $e) {
    print_r($e);
} catch(MGPException $e) {
    print_r($e);
}

Overview

User management

User verification

Wallets

Cards

Card pay-ins

Banking pay-ins

APM pay-ins

Transfers

Refunds

Disputes

Payouts

FX conversions

Transactions

Echo

Helpers

Platform account

Create a Natural User (SCA)

Body parameters

Responses

​Body parameters

​Responses

Body parameters

Responses