Hello! The support on the hub.mangopay.com has forwarded to you.
Me: "We use Direct Bank Wire PayIn endpoint described here (https://mangopay.com/docs/endpoints/direct-bank-wires#create-direct-bank-wire-payin) to make a payin. API call works and we do see pay-in in the sandbox dashboard. Surprisingly this endpoint does not take Bank Account as an input parameter, yet we do see that created payin is associated with one of bank acocunt created for the user. Could you please explain how this works?
We expected to create bank account and then provide it’s identifier to the pay-in call. But pay-in endpoint does not require it. Yet, somehow MangoPay associate pay-in with the bank account. Hence our surprise and the question."
Support: "Hello,
Thank you for contacting Mangopay.
When using the Direct Bank Wire PayIn endpoint of Mangopay, the process does not explicitly require the bank account details in the API call. This might seem contrintuitive at first, but here’s how it works:
Bank Account Creation and Linking: When you create a bank account for a user in Mangopay, the bank account is linked to that specific user profile within the Mangopay system. This means that the user now has a registered bank account within their profile.
User Context: The Direct Bank Wire PayIn endpoint operates within the context of a specific user. When you make the PayIn call, you provide the AuthorId (the user who is making the PayIn) and the CreditedUserId (the user who will receive the funds). These identifiers tie the transaction to specific user profiles.
Automatic Association: Since the bank account is already associated with the user profile, the system automatically links the PayIn to one of the user’s registered bank accounts. This is why you see the PayIn associated with a bank account, even though you didn’t explicitly provide the bank account details in the PayIn call.
How It Works in Practice:
Create Bank Account: First, you create a bank account for the user using the Create Bank Account endpoint. This endpoint requires detailed bank account information and links the account to the user profile.
Create Direct Bank Wire PayIn: When creating the PayIn, you do not need to specify the bank account. You only provide the AuthorId, CreditedUserId, DeclaredDebitedFunds, and DeclaredFees.
Association by User: MangoPay uses the AuthorId and CreditedUserId to find the user profiles and automatically associates the PayIn with the user’s bank account.
You don’t need to specify the bank account during the PayIn creation because the system automatically associates it based on the user profile, making the process more seamless and less error-prone.
At your disposal.
Regards,"
Me: "Thank you for the explanation but I still don’t understand how automatic linking works if a user has multiple associated bank accounts. Could you please explain it?"
Support: "Hello, Thank you for your reply.
We appreciate your understanding that we are not developers and thus, we are unable to provide technical assistance.
For detailed technical support, we recommend consulting with a professional developer, such as those available through GitHub MangoPay.
At your disposal,
Best regards,"
Could you, please, clarify the question about using multiple IBAN's (bank accounts) for the owners? Thank you.
Hello! The support on the hub.mangopay.com has forwarded to you.
Me: "We use Direct Bank Wire PayIn endpoint described here (https://mangopay.com/docs/endpoints/direct-bank-wires#create-direct-bank-wire-payin) to make a payin. API call works and we do see pay-in in the sandbox dashboard. Surprisingly this endpoint does not take Bank Account as an input parameter, yet we do see that created payin is associated with one of bank acocunt created for the user. Could you please explain how this works? We expected to create bank account and then provide it’s identifier to the pay-in call. But pay-in endpoint does not require it. Yet, somehow MangoPay associate pay-in with the bank account. Hence our surprise and the question."
Support: "Hello, Thank you for contacting Mangopay. When using the Direct Bank Wire PayIn endpoint of Mangopay, the process does not explicitly require the bank account details in the API call. This might seem contrintuitive at first, but here’s how it works: Bank Account Creation and Linking: When you create a bank account for a user in Mangopay, the bank account is linked to that specific user profile within the Mangopay system. This means that the user now has a registered bank account within their profile. User Context: The Direct Bank Wire PayIn endpoint operates within the context of a specific user. When you make the PayIn call, you provide the AuthorId (the user who is making the PayIn) and the CreditedUserId (the user who will receive the funds). These identifiers tie the transaction to specific user profiles. Automatic Association: Since the bank account is already associated with the user profile, the system automatically links the PayIn to one of the user’s registered bank accounts. This is why you see the PayIn associated with a bank account, even though you didn’t explicitly provide the bank account details in the PayIn call. How It Works in Practice: Create Bank Account: First, you create a bank account for the user using the Create Bank Account endpoint. This endpoint requires detailed bank account information and links the account to the user profile. Create Direct Bank Wire PayIn: When creating the PayIn, you do not need to specify the bank account. You only provide the AuthorId, CreditedUserId, DeclaredDebitedFunds, and DeclaredFees. Association by User: MangoPay uses the AuthorId and CreditedUserId to find the user profiles and automatically associates the PayIn with the user’s bank account. You don’t need to specify the bank account during the PayIn creation because the system automatically associates it based on the user profile, making the process more seamless and less error-prone. At your disposal. Regards,"
Me: "Thank you for the explanation but I still don’t understand how automatic linking works if a user has multiple associated bank accounts. Could you please explain it?"
Support: "Hello, Thank you for your reply. We appreciate your understanding that we are not developers and thus, we are unable to provide technical assistance. For detailed technical support, we recommend consulting with a professional developer, such as those available through GitHub MangoPay. At your disposal, Best regards,"
Could you, please, clarify the question about using multiple IBAN's (bank accounts) for the owners? Thank you.