Your platform facilitates payments between two groups of users: those who only need to send money and those who receive it. Mangopay calls these groups Payers and Owners.
A Payer needs to provide the following information:
User type
Required information
Natural user
First name
Last name
Email
Legal user – Business, Partnership, Organization
Registered name of the entity
Email
Legal representative’s first name and last name
Legal user – Soletrader
Registered name of the sole proprietor
Email
Sole proprietor’s first name and last name
Note - Payers can become OwnersA user must be created as either a Payer or an Owner. A Payer can become an Owner, but an Owner can’t be recategorized as a Payer.
To create an Owner, or modify an existing Payer into an Owner, you need to provide the following information:
User type
Required information
Natural user
First name
Last name
Email
Date of birth
Nationality
Country of residence
Legal user – Business
Registered name of the entity
Email for the entity
Registered address of the entity’s headquarters
Company registration number
Legal representative’s: first name, last name, email, date of birth, nationality, country of residence
Legal user – Partnership, Organization
Registered name of the entity
Email for the entity
Registered address of the entity’s headquarters
Legal representative’s: first name, last name, email, date of birth, nationality, country of residence
Legal user – Soletrader
Registered name of the sole proprietorship
Email for the sole proprietorship
Registered address of the sole proprietorship
Sole proprietor’s: first name, last name, email, date of birth, nationality, country of residence
Note - Owners must accept our terms and conditions (T&Cs)Mangopay’s T&Cs apply to Owners on your platform. An Owner must accept the T&Cs and you must provide confirmation that they have accepted them when you create the Owner user.The relevant T&Cs for your users are provided when your platform signs the contract with Mangopay.
In the API, whether a user is a Payer or an Owner is governed by the UserCategory parameter, which has the following possible values:
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/KYB verification, which if successful gives them the KYCLevel of REGULAR and the ability to request payouts.
PLATFORM – Single specific user that represents the . The PLATFORM value is only assigned by Mangopay and may be used as part of the validated workflow implemented by the platform.
When your platform first creates a User object, they must be assigned either the PAYER or OWNER category.An existing PAYER may be changed to an OWNER (but not the other way around). SCA enrollment is being introduced on this process, as described in SCA on Users. For legacy platforms it is still possible to categorize users as OWNER via the legacy endpoint and via the Dashboard. In this case, the OWNER must later be enrolled in SCA separately.
The third possible value for UserCategory, PLATFORM, is a user that represents the platform integrating Mangopay in their app or website. Depending on the platform’s implementation, this value may be assigned to a single user by Mangopay as part of the approved and validated workflow.The PLATFORM value:
Can only be applied by Mangopay
Is generally only applied to one user per platform (one per ClientId), but more than one is possible
Requires the user to have UserCategory of OWNER and be KYC verified (KYCLevel is REGULAR)
In addition to the PLATFORM user, there may be other users that are implemented for technical reasons in the context of approved and validated workflows. These may need to be categorized as PAYER or OWNER, depending on the workflow.
