Create a Natural User (SCA)

Register a Natural Payer or Owner (with SCA enrollment)

Note – SCA triggered for Owners

If 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.

Note – Country-based restrictions apply to users

Due to Mangopay’s country restrictions, it is not possible to use blocked countries as the following:

• Nationality
• CountryOfResidence
• Address.Country

Body parameters

FirstName · string · required

Min. length: 1; max. length: 100

The first name of the individual.

LastName · string · required

Min. length: 1; max. length: 100

The last name of the individual.

Birthday · 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.

Nationality · 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.

CountryOfResidence · 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.

Occupation · string

Max. length: 255 characters

Returned null if UserCategory is PAYER.

The occupation of the individual.

IncomeRange · integer

Allowed values: 1, 2, 3, 4, 5, 6, null

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

Tag · string

Max. length: 255 characters

Custom data that you can add to this object.

Email · string · required

Format: A valid email address

The individual’s email address.

PhoneNumber · string

Format: International E.164 standard (preceded by plus sign and country code) or local format

The 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.

PhoneNumberCountry · 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.

Address · object

The postal address of the user.

Show properties

AddressLine1 · string · required

Max. length: 255 characters

The first line of the address.

AddressLine2 · string

Max. length: 255 characters

The second line of the address.

City · string · required

Max. length: 255 characters

The city of the address.

Region · string

Max. length: 255 characters

The region of the address. This field is optional except if the Country is US, CA, or MX.

PostalCode · string · required

Max. length: 255 characters

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

Country · string · required

Format: Two-letter country code (ISO 3166-1 alpha-2 format)

The country of the address.

TermsAndConditionsAccepted · 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.

UserCategory · string · required

Allowed values: PAYER, OWNER

The 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.

Responses

200

FirstName · string

Min. length: 1; max. length: 100

The first name of the individual.

LastName · string

Min. length: 1; max. length: 100

The last name of the individual.

Birthday · 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.

Nationality · string

Returned null if UserCategory is PAYER.

The nationality of the individual.

CountryOfResidence · string

Returned null if UserCategory is PAYER.

The country of residence of the individual.

Occupation · string

Max. length: 255 characters

The occupation of the individual.

Returned null if UserCategory is PAYER.

IncomeRange · 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

ProofOfIdentity · 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.

ProofOfAddress · 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.

Capacity · string

This is a deprecated parameter.

PhoneNumber · string

Format: International E.164 standard (preceded by plus sign and country code) or local format

The 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.

PhoneNumberCountry · 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.

Address · object

The postal address of the user.

Show properties

AddressLine1 · string

Max. length: 255 characters

The first line of the address.

AddressLine2 · string

Max. length: 255 characters

The second line of the address.

City · string

Max. length: 255 characters

The city of the address.

Region · string

Max. length: 255 characters

The region of the address. This field is optional except if the Country is US, CA, or MX.

PostalCode · string

Max. length: 255 characters

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

Country · string

Format: Two-letter country code (ISO 3166-1 alpha-2 format)

The country of the address.

PendingUserAction · object

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

Show properties

RedirectUrl · 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.

Id · string

Max length: 128 characters (see data formats for details)

The unique identifier of the object.

Tag · string

Max. length: 255 characters

Custom data that you can add to this object.

CreationDate · Unix timestamp

The date and time at which the object was created.

PersonType · string

Returned values: NATURAL, LEGAL

The 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.

Email · string

Format: A valid email address

The individual’s email address.

KYCLevel · string

Default value: LIGHT

Returned values: LIGHT, REGULAR

The 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.

TermsAndConditionsAccepted · 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.

TermsAndConditionsAcceptedDate · Unix timestamp

The date and time at which the TermsAndConditionsAccepted value was set to true.

Returned null if UserCategory is PAYER.

UserCategory · string

Possible values: PAYER, OWNER, PLATFORM

The 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.

UserStatus · string

Returned values: PENDING_USER_ACTION, ACTIVE, CLOSED

The 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 - First name or last name identified as fake

{
    "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 rule preventing fake names →

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
}  

REST - Payer

{
    "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": "[e-mail]",
    "KYCLevel": "LIGHT",
    "TermsAndConditionsAccepted": false,
    "TermsAndConditionsAcceptedDate": null,
    "UserCategory": "PAYER",
    "UserStatus": "ACTIVE"
}

REST - Payer

{
    "UserCategory": "PAYER",
    "TermsAndConditionsAccepted": false,
    "FirstName": "Alex",
    "LastName": "Smith",
    "Email": "[e-mail]",
    "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"
}