# Mangopay S.A. *Also known as Mangopay* - Website: https://www.mangopay.com - Location: Luxembourg, Luxembourg - Agent profile: https://directory.haycion.ai/agents/mangopay-com > Mangopay is a wallet-based payments platform for platforms and marketplaces worldwide. Mangopay S.A. is a European fintech that provides payments and electronic money services to platforms and marketplaces. It enables global money movement through a scalable wallet ecosystem, supporting multi-currency handling, identity verification, fraud prevention, and compliance tooling. Focused on empowering platforms to build flexible, secure, and monetizable payment experiences, Mangopay serves product marketplaces, on-demand platforms, financial platforms, travel and hospitality platforms, and SaaS platforms. **Mission:** Power effortless money movement of the world's top platforms giving them full control through our wallet ecosystem. ## Products & Services ### [Wallet](/products/e-wallet) *Product* Empower platforms with multi-currency wallets for automated payment solutions. - **Unlimited E-wallets** — Customize User Transactions - **Programmable Wallets** — Automate Payment Flows - **Attach Multiple IBANs** — Maximize Flexibility - **E-wallet Re-spend** — Enhance User Engagement - **Unlimited Virtual IBANs** — Enable Local Settlements - **Multi-Currency Support** — Enhance Global Reach - **Guaranteed and Spot FX Support** — Offers Guaranteed and Spot FX Support - **Competitive Conversion Rates** — Delivers Competitive Conversion Rates - **Local Settlement Rails** — Enhance Payment Operations - **Multi-Currency Transaction Support** — Enable Global Reach - **Indefinite Balance Retention** — Facilitate Long-term Savings - **Wallet-to-Wallet Transfers** — Streamline Payment Processes - **20+ Wallet Currencies** — Supports 20+ Wallet Currencies - **Local IBANs** — Provides Local IBANs - **Embedded Currency Management** — Enables Embedded Currency Management - **Instant IBAN creation** — Streamlines Payment Processes - **Automated reconciliation** — Saves Time and Reduces Errors ### [Payments](/products/payments) *Product* Transform payments into a strategic advantage with flexible wallet infrastructure. - **Wallet-First Payments** — Facilitate Custom Payment Flows - **30+ Payment Methods** — Enable Diverse Payment Options - **Flexible API and Prebuilt Integrations** — Accelerate Integration Processes - **Multi-Layered Fraud Protection** — Mitigate Fraud Risks - **3DS and Recurring Payments** — Enhance Payment Security - **Global Payouts with Local Settlement** — Simplify Cross-Border Transactions ### [Payout](/products/payout) *Product* Facilitates fast global payouts with local settlements and flexible integrations. - **30+ Local Settlement Countries** — Access Global Payouts - **API and Dashboard Integration** — Integrate Effortlessly - **Instant Settlement Support** — Ensure Immediate Transfers - **Unlimited Payout Splits** — Manage Multiple Recipients - **Cross-Border Payouts** — Reduce Transfer Costs - **Flexible API-First Solution** — Adapt Quickly ### [Identity](/products/identity) *Product* Streamlined verification for global onboarding and compliance without friction. - **190+ Countries Supported** — Reach Global Markets - **Individual and Business Verification** — Comprehensive Verification - **Liveness Check and Facial Recognition** — Enhanced Security - **Hosted or API Integration** — Flexible Integration Choices - **Live Document Capture** — Streamlined Onboarding Process ### [Fraud](/products/fraud) *Product* Enhance security and trust with robust fraud detection and prevention tools. - **360° AI-Powered Fraud Detection** — Detect Fraud Across All Touchpoints - **Real-Time Risk Scoring** — Receive Instant Risk Scores - **Comprehensive Transaction Monitoring** — Monitor All Transactions - **IP and Proxy Analysis** — Analyze IP and Proxy Risks - **Customizable Rules Engine** — Tailor Your Fraud Prevention Strategy - **Seamless Integration** — Integrate Effortlessly ## Market Segments - **Fraud detection and risk management**: Capabilities to detect, score, and manage transaction and user fraud across onboarding, checkout, and payouts using AI, rules engines, IP/proxy analysis, and case management. - **Identity verification and KYC**: Services for onboarding and compliance that verify individuals and businesses globally using document capture, liveness checks, and biometric validation. - **Platform payments and digital wallets**: API-first payment processing and wallet-first architectures for marketplaces and platforms supporting multiple payment methods, recurring payments, programmable wallets, and prebuilt integrations. - **Global payouts and settlement**: Cross-border payout rails and local settlement capabilities enabling instant or scheduled disbursements, multi-recipient splits, and reduced FX costs for platforms. - **Embedded treasury and multi-currency management**: Programmable wallet infrastructure and treasury-like functions including multi-currency balances, local IBANs, automated reconciliation, guaranteed and spot FX, and virtual IBANs for platforms. ## Ideal Customer Profiles ### Platform Marketplaces And SaaS Platforms Global platform marketplaces and SaaS platforms needing wallet-first payments and risk controls. - Industry: Platform Marketplaces, Fintech, SaaS - Geography: Europe and Global - Pain points: Cross-border payments complexity, onboarding friction, fraud risk, regulatory compliance - Business goals: Scale marketplace, improve onboarding speed, reduce payment costs, strengthen compliance - Positioning: Wallet-first payments with integrated identity and fraud tooling to scale global platforms, simplify onboarding, and ensure compliant, secure payouts. #### Persona: Head Of Payments - Needs: Efficient onboarding, comprehensive fraud controls, flexible payout options - Goals: Reduce onboarding time, minimize fraud, optimize payments - Challenges: Disparate systems, cross-border complexity, regulatory changes - Pain points: Manual processes, delayed settlements, high overhead - Solution: Fraud, Identity, Wallet, and Payout tools streamline onboarding, risk scoring, and multi-currency settlements. #### Persona: Platform Operations Manager - Needs: End-to-end transaction visibility, streamlined vendor onboarding - Goals: Improve merchant onboarding time, reduce disputes - Challenges: Siloed data, integration fatigue - Pain points: Fragmented payment flows, reconciliation overhead - Solution: Fraud, Identity, Payments, and Wallet enable unified platform payments and effortless reconciliations with real-time insights. #### Persona: Head Of Compliance - Needs: KYC/AML tooling, audit trails, regulatory reporting - Goals: Maintain compliance across regions, minimize risk - Challenges: Regulatory changes - Pain points: Manual compliance processes, penalties for non-compliance - Solution: Identity, Fraud, and Compliance tooling with automated risk scoring and audit-ready reporting. ### Travel And Hospitality Platforms Travel and hospitality platforms needing multi-currency wallets and trusted payouts. - Industry: Travel, Hospitality, Online Marketplaces - Geography: Global - Pain points: Multi-currency settlements, supplier payout delays, fraud risk, regulatory compliance - Business goals: Streamline supplier payments, optimize currency management, ensure smooth customer experiences - Positioning: Enable multi-currency wallets and fast, compliant payouts for travel and hospitality platforms. #### Persona: Finance Controller - Needs: Accurate reconciliation, currency management - Goals: Timely supplier payouts, lower FX costs - Challenges: Manual reconciliation, currency volatility - Pain points: Delays in payments, FX fees - Solution: Wallet, Payout, and Payments streamline supplier payments and currency management. #### Persona: Payments Manager - Needs: Fast onboarding of partners, fraud controls - Goals: Swift onboarding, minimize disputes - Challenges: Complex payout flows, bank integrations - Pain points: Payout delays, high operational overhead - Solution: Fraud, Identity, Payments, Wallet and Payout automate payouts and risk controls. #### Persona: Platform Operations Lead - Needs: End-to-end visibility and analytics - Goals: Improve supplier satisfaction, reduce disputes - Challenges: Data silos - Pain points: Lack of real-time insights - Solution: Fraud, Wallet, and Payments with analytics provide visibility and secure transactions. ### Global Fintechs Requiring Identity Verification Fintechs with global onboarding and compliance needs. - Industry: Fintech, Financial Services - Geography: Global - Pain points: KYC/AML compliance, onboarding delays, fraud risk, cross-border verification - Business goals: Fast compliant onboarding, scalable identity checks, reduced fraud - Positioning: Comprehensive identity and risk tooling that accelerates global onboarding and compliance. #### Persona: Head Of Compliance - Needs: Robust identity checks, audit trails - Goals: Maintain cross-border compliance - Challenges: Regulatory changes - Pain points: Manual KYC processes - Solution: Identity, Fraud, and Payments automate verification and risk scoring. #### Persona: Onboarding Lead - Needs: Real-time identity verification, smooth onboarding - Goals: Reduce onboarding time - Challenges: False positives, delays - Pain points: Inefficient KYC checks - Solution: Identity with Live Document Capture and Liveness Check and Fraud scoring #### Persona: Security Risk Manager - Needs: Fraud detection, transaction monitoring, auditability - Goals: Minimize fraud loss, maintain compliance - Challenges: Scale of monitoring - Pain points: High false positives - Solution: Fraud and Identity integrated with Payments and Wallet ### Embedded Payments For Saas Platforms SaaS platforms embedding payments to monetize and accelerate growth. - Industry: SaaS, Software Vendors - Geography: Global - Pain points: Integrating payments, regulatory compliance, multi-currency support - Business goals: Monetize product, improved conversion, reduce integration time - Positioning: Turnkey wallet-first payments and fraud protection within software products. #### Persona: Product Manager - Needs: Easy to embed payments, developer-friendly APIs - Goals: Increase adoption and monetization - Challenges: Limited engineering resources - Pain points: Integration complexity - Solution: Payments and Wallet APIs with Fraud and Identity support to speed integration. #### Persona: CTO Engineering Lead - Needs: Reliable APIs, scalability, security - Goals: Fast time-to-value, robust uptime - Challenges: Maintaining security and compliance - Pain points: Integration overhead - Solution: Wallet, Payments, and Fraud to provide secure, scalable payments within products. #### Persona: Finance Controller - Needs: Cost control, revenue recognition - Goals: Accurate revenue, easy reconciliation - Challenges: Multiple revenue streams - Pain points: Complex billing - Solution: Payments and Wallet to support embedded billing and settlement.