# Mangopay bundle (PSP) - Business rules

* [Why](#id-1.14.x-mangopaybundle-psp-businessrules-why)
* [For which services](#id-1.14.x-mangopaybundle-psp-businessrules-forwhichservices)
* [Interfaces](#id-1.14.x-mangopaybundle-psp-businessrules-interfaces)
* [Configurations](#id-1.14.x-mangopaybundle-psp-businessrules-configurations)
* [Workflows](#id-1.14.x-mangopaybundle-psp-businessrules-workflows)
  * [Mangopay booking workflow](#id-1.14.x-mangopaybundle-psp-businessrules-mangopaybookingworkflow)
  * [Mangopay card registration and preauthorization](#id-1.14.x-mangopaybundle-psp-businessrules-mangopaycardregistrationandpreauthorization)
  * [Mangopay preauthorized pay-in activity](#id-1.14.x-mangopaybundle-psp-businessrules-mangopaypreauthorizedpay-inactivity)
  * [Mangopay pay-in refund activity](#id-1.14.x-mangopaybundle-psp-businessrules-mangopaypay-inrefundactivity)
  * [Mangopay transfer activity](#id-1.14.x-mangopaybundle-psp-businessrules-mangopaytransferactivity)
  * [Escrow management](#id-1.14.x-mangopaybundle-psp-businessrules-escrowmanagement)
* [Special rules](#id-1.14.x-mangopaybundle-psp-businessrules-specialrules)
  * [Mangopay fees](#id-1.14.x-mangopaybundle-psp-businessrules-mangopayfees)
  * [KYC/KYB process](#id-1.14.x-mangopaybundle-psp-businessrules-kyc-kybprocess)
  * [Escrow management](#id-1.14.x-mangopaybundle-psp-businessrules-escrowmanagement.1)

## Why <a href="#id-1.14.x-mangopaybundle-psp-businessrules-why" id="id-1.14.x-mangopaybundle-psp-businessrules-why"></a>

Mangopay is a payment service provider. Its services allow users to pay on the platform and administrators to handle payouts.

Learn more about the PSP available in Second: [Payment Service Provider (PSP) - Business rules](/v2.0/core-concepts/payment-service-provider-features-psp.md)

## For which services <a href="#id-1.14.x-mangopaybundle-psp-businessrules-forwhichservices" id="id-1.14.x-mangopaybundle-psp-businessrules-forwhichservices"></a>

For all services

## Interfaces <a href="#id-1.14.x-mangopaybundle-psp-businessrules-interfaces" id="id-1.14.x-mangopaybundle-psp-businessrules-interfaces"></a>

Please, find all interface documentation related to the Mangopay bundle, here:

**SBO:**

* [Payments management - Update Payout](https://features.scnd.com/v2.0/core-concepts/payment-service-provider-features-psp/pages/f4BP2kjmalKP7ku8QLQZ#id-1.16.x-paymentsmanagement-updateapayout)

**Front:**

* [Booking request (Time-Based rendering type) - The Payment Page](https://features.scnd.com/v2.0/core-concepts/payment-service-provider-features-psp/pages/3bP6YxaTQN5ifjMtV3pS#id-1.16.x-bookingrequest-basicsolution-thepaymentpage)

## Configurations <a href="#id-1.14.x-mangopaybundle-psp-businessrules-configurations" id="id-1.14.x-mangopaybundle-psp-businessrules-configurations"></a>

SBO > Other > Feature > Payments

## Workflows <a href="#id-1.14.x-mangopaybundle-psp-businessrules-workflows" id="id-1.14.x-mangopaybundle-psp-businessrules-workflows"></a>

You can find all workflows related to the Mangopay bundle.

### Mangopay booking workflow <a href="#id-1.14.x-mangopaybundle-psp-businessrules-mangopaybookingworkflow" id="id-1.14.x-mangopaybundle-psp-businessrules-mangopaybookingworkflow"></a>

<figure><img src="/files/hw1OwMcA01gHANFigBYq" alt=""><figcaption></figcaption></figure>

### Mangopay card registration and preauthorization <a href="#id-1.14.x-mangopaybundle-psp-businessrules-mangopaycardregistrationandpreauthorization" id="id-1.14.x-mangopaybundle-psp-businessrules-mangopaycardregistrationandpreauthorization"></a>

<figure><img src="/files/z8MQ4EOCoQ0t8jCN14PJ" alt=""><figcaption></figcaption></figure>

### Mangopay preauthorized pay-in activity <a href="#id-1.14.x-mangopaybundle-psp-businessrules-mangopaypreauthorizedpay-inactivity" id="id-1.14.x-mangopaybundle-psp-businessrules-mangopaypreauthorizedpay-inactivity"></a>

<figure><img src="/files/nhREUgjH1jnWO5s4LZ04" alt=""><figcaption></figcaption></figure>

### Mangopay pay-in refund activity <a href="#id-1.14.x-mangopaybundle-psp-businessrules-mangopaypay-inrefundactivity" id="id-1.14.x-mangopaybundle-psp-businessrules-mangopaypay-inrefundactivity"></a>

<figure><img src="/files/YAiskurjpTPY8YGzcyHB" alt=""><figcaption></figcaption></figure>

### Mangopay transfer activity <a href="#id-1.14.x-mangopaybundle-psp-businessrules-mangopaytransferactivity" id="id-1.14.x-mangopaybundle-psp-businessrules-mangopaytransferactivity"></a>

<figure><img src="/files/NYE92XB647x9SJdtezXJ" alt=""><figcaption></figcaption></figure>

### Escrow management <a href="#id-1.14.x-mangopaybundle-psp-businessrules-escrowmanagement" id="id-1.14.x-mangopaybundle-psp-businessrules-escrowmanagement"></a>

<figure><img src="/files/XJrhwTaJ9P8l9YzO72QB" alt=""><figcaption></figcaption></figure>

## Mangopay payment methods <a href="#id-1.14.x-mangopaybundle-psp-businessrules-specialrules" id="id-1.14.x-mangopaybundle-psp-businessrules-specialrules"></a>

### **Bankwire payment**

To select payment by bank wire transfer, the user clicks the bank wire transfer block (figure 12).

{% hint style="info" %} <mark style="color:blue;">The user makes the bank wire transfer once the offeror has accepted the booking request.</mark>
{% endhint %}

<figure><img src="/files/sF4jUwK2EGnbKGibkj0N" alt=""><figcaption><p>Figure 12</p></figcaption></figure>

The user is then redirected to the confirmation page.

### Bank wire payment configurations <a href="#id-1.14.x-paymentserviceproviderbundles-psp-businessrules-specialrules" id="id-1.14.x-paymentserviceproviderbundles-psp-businessrules-specialrules"></a>

{% hint style="info" %} <mark style="color:blue;">Bank wire payments are available only for Mangopay</mark>
{% endhint %}

Once an offerer accepts a booking in any bundle with bank wire as the payment method, the status is set to **"Waiting for Payment."** This status remains in effect until the configuration **cocorico\_booking.acceptation\_delay** is triggered. During this waiting period, a countdown timer is visible, indicating the time remaining before the acceptance delay is reached. If payment is not received before this deadline, the booking status is automatically changed to **"Expired."**

It's important to note that any changes to the configuration value **cocorico\_booking.min\_start\_time\_delay** will have an impact on the duration of the "Waiting for Payment" status, potentially making it longer or shorter.

<figure><img src="/files/WU2t8g3tuEIV5IlOqby5" alt=""><figcaption></figcaption></figure>

### **Card payment**

For card payments on Mangopay, the workflow follows the same process as outlined for Stripe. For additional details, refer to the section [**"Stripe - Credit Card Payment."**](/v2.0/core-concepts/payment-service-provider-features-psp/stripe-bundle-psp-business-rules.md#credit-card-payment)

## Special rules <a href="#id-1.14.x-mangopaybundle-psp-businessrules-specialrules" id="id-1.14.x-mangopaybundle-psp-businessrules-specialrules"></a>

### Mangopay fees <a href="#id-1.14.x-mangopaybundle-psp-businessrules-mangopayfees" id="id-1.14.x-mangopaybundle-psp-businessrules-mangopayfees"></a>

* Pay-in: 1,8% + 0,18€ per transaction without VAT
* Payout: Free per transaction, in SEPA zone

Verification of physical person: Free

Verification of legal entity: 2,5€

Dispute lost: 15€

If the proof of identity verification refusal rate exceeds 15% per month, MANGOPAY will charge you €1 for any additional documents.

### KYC/KYB process <a href="#id-1.14.x-mangopaybundle-psp-businessrules-kyc-kybprocess" id="id-1.14.x-mangopaybundle-psp-businessrules-kyc-kybprocess"></a>

The validation process will be fully integrated within Second and will be as follows:

The user fills in their information on the Identity page: [User profile dashboard (All rendering type) - Identity](https://features.scnd.com/v2.0/core-concepts/payment-service-provider-features-psp/pages/A4Nlu2Yzkxq6RacrBUEz#id-1.14.x-userprofiledashboard-allbundles-identity)

If and only if the user is an offeror (has an ad or in the non-switch platform is defined as an offerer) he will be able to add the necessary documents for his validation by the PSP.

* Proof of Identity
* Proof of registration (for Enterprise only)
* Articles of association (for Enterprise only)
* UBO declaration (for Enterprise only)

<figure><img src="/files/pPgYZ9XlMb121SVkcskG" alt=""><figcaption><p>figure 1</p></figcaption></figure>

If an offeror that is KYC/KYB validated, changes any of the following information in Identity:

* First name
* Last name
* Birthdate
* Company information
* Country of residence or birth residence

{% hint style="info" %} <mark style="color:blue;">Users who during the registration process select</mark> <mark style="color:blue;"></mark><mark style="color:blue;">**"I represent a legal person"**</mark> <mark style="color:blue;"></mark><mark style="color:blue;">might be asked to provide additional documentation to validate the KYC. It will be requested to provide at least one document proving their identity. For full details please check -</mark> [<mark style="color:blue;">**KYC and Compliance**</mark>](https://docs.mangopay.com/guide/user-verification)
{% endhint %}

&#x20;His validated status is canceled and he will have to start the process again.

The payment provider status (figure 2) can be seen at the top of the payment details page.

<figure><img src="/files/nBrboThFxHoL8LZy1sjj" alt=""><figcaption><p>figure 2</p></figcaption></figure>

### Escrow management <a href="#id-1.14.x-mangopaybundle-psp-businessrules-escrowmanagement.1" id="id-1.14.x-mangopaybundle-psp-businessrules-escrowmanagement.1"></a>

Mangopay is based on the concept of One user = One wallet.

In the case of a booking, Second will use the wallet of an asker and the wallet of an offeror.

A wallet is credited upon receipt of a pay-in whether it is by credit card or bank transfer.

This money will be held in escrow until the booking is validated by Second based platform.

At that time a wallet-to-wallet transfer will be made.

The bidder's wallet will receive the total amount of the booking minus the platform's fees.

A fee wallet will receive the platform's commissions.

Once the super administrator from the platform has activated the payout from the platform, Mangopay will send the money to the bidder's bank account. The super administrator will notify in case of success or failure.

In case of a cancellation on a reservation paid by credit card, the asker is automatically refunded and the wallet-to-wallet transfer plus commission transfer is done directly and the super administrator from the platform will be able to finalize the operation by authorizing the PayOut.

In the case of a reservation paid by bank transfer, the difference is that the administrator will have to make the refund by authorizing a PayOut from the SBO...


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