Mangopay Payconiq API

openapi: 3.2.0
info:
  title: Reference Payconiq API
  version: 1.0.0
servers:
- url: https://api.sandbox.mangopay.com
  description: Sandbox
- url: https://api.mangopay.com
  description: Production
- url: https://api-mtls.sandbox.mangopay.com
  description: mTLS Sandbox
- url: https://api-mtls.mangopay.com
  description: mTLS Production
- url: '%7BCardRegistrationUrl%7D'
  description: "The full dynamic URL returned by the Create a Card Registration call, including host, path, and query parameters. \n"
- url: '%7BSettlementFileUploadUrl%7D'
  description: 'The unique URL returned by the [POST Create a Settlement and secure URL](/api-reference/settlements/create-settlement) endpoint.


    **Note:** Use the full dynamic URL including the host, path, and all query parameters. The URL is already authenticated, so this call does not require an Authorization header.

    '
tags:
- name: Payconiq
paths:
  /v2.01/{ClientId}/payins/payment-methods/payconiq:
    post:
      operationId: payconiq_create_payconiq_payin
      summary: Create a Payconiq PayIn
      description: '**Deprecated – Payconiq discontinued from Dec 4, 2025**


        Following its acquisition by the European Payments Initiative (EPI), the Payconiq brand and services are being phased out (read more on Payconiq''s website).


        The timeline is as follows:


        - Dec 4, 2025 - Payconiq pay-ins attempted after **12:00 noon CET** will fail

        - Dec 31, 2025 - Final day for processing pay-in refunds

        - Jan 1, 2026 - Refunds possible using payouts (see guide)


        Platforms using Payconiq are invited to integrate Bancontact, which allows users to continue paying with their Payconiq by Bancontact mobile app via the `DeepLinkURL`.


        **Note – Timeout after 1 hour**


        The Payconiq payment session lasts for 1 hour, at which point the pay-in fails automatically if no action has been taken by the user.


        Create a Payconiq PayIn'
      tags:
      - Payconiq
      parameters:
      - name: ClientId
        in: path
        description: Platform's API account identifier, associated with the API key.
        required: true
        schema:
          type: string
      responses:
        '200':
          description: Success
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PayconiqPayInResponse'
      deprecated: true
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreateAPayconiqPayInRequest'
      security:
      - oauth2: []
components:
  schemas:
    CreateAPayconiqPayInRequestDebitedFunds:
      type: object
      properties:
        Currency:
          $ref: '#/components/schemas/Currency'
        Amount:
          $ref: '#/components/schemas/Amount'
      required:
      - Currency
      - Amount
      description: Information about the debited funds.
      title: CreateAPayconiqPayInRequestDebitedFunds
    StatementDescriptor:
      type: string
      description: 'Max. length: 10 characters; only alphanumeric and spaces


        Custom description to appear on the user’s bank statement along with the platform name. Different banks may show more or less information. See the <a href="/bank-statements">Customizing bank statement references</a> article for details.'
      title: StatementDescriptor
    Amount:
      type: integer
      description: The amount of the currency in its minor unit. For example, EUR 12.60 would be represented as `1260` whereas JPY 12 would be represented as just `12`.
      title: Amount
    FlowDescriptorRequestBeneficiariesItems:
      type: object
      properties:
        UserId:
          type: string
          description: The unique identifier of the Natural User or Legal User declared as a beneficiary of the pay-in.
      title: FlowDescriptorRequestBeneficiariesItems
    CreateAPayconiqPayInRequest:
      type: object
      properties:
        Tag:
          $ref: '#/components/schemas/Tag'
        AuthorId:
          $ref: '#/components/schemas/AuthorId'
        DebitedFunds:
          $ref: '#/components/schemas/CreateAPayconiqPayInRequestDebitedFunds'
          description: Information about the debited funds.
        Fees:
          $ref: '#/components/schemas/CreateAPayconiqPayInRequestFees'
          description: Information about the fees.
        CreditedWalletId:
          type: string
          description: The unique identifier of the credited wallet.
        FlowDescriptor:
          $ref: '#/components/schemas/FlowDescriptorRequest'
        ReturnURL:
          $ref: '#/components/schemas/ReturnURL_255'
        Country:
          type: string
          description: '**Allowed values:** BE, LU


            The country of residence of the user.'
        StatementDescriptor:
          $ref: '#/components/schemas/StatementDescriptor'
      required:
      - AuthorId
      - DebitedFunds
      - Fees
      - CreditedWalletId
      - ReturnURL
      - Country
      title: CreateAPayconiqPayInRequest
    FlowDescriptorResponseBeneficiariesItems:
      type: object
      properties:
        UserId:
          type: string
          description: The unique identifier of the Natural User or Legal User declared as a beneficiary of the pay-in.
      title: FlowDescriptorResponseBeneficiariesItems
    TransactionExecutionDate:
      type: integer
      description: Unix timestamp (UTC) of the date and time the status changed to `SUCCEEDED`, indicating that the transaction occurred. The statuses `CREATED` and `FAILED` return an `ExecutionDate` of `null`.
      title: TransactionExecutionDate
    AuthorId:
      type: string
      description: The unique identifier of the user at the source of the transaction.
      title: AuthorId
    FlowDescriptorRequest:
      type: object
      properties:
        Beneficiaries:
          type:
          - array
          - 'null'
          items:
            $ref: '#/components/schemas/FlowDescriptorRequestBeneficiariesItems'
          description: 'Max. length: 5 items


            The list of up to 5 Natural or Legal Users declared as beneficiaries of the pay-in and its subsequent transfers, who must all be KYC/KYB verified when the pay-in request is made. The pay-in also fails if the `Beneficiaries` array contains nulled objects or invalid `UserId` values.'
      description: "Information about the Owner beneficiaries targeted by the pay-in and its subsequent transfers, who must all be KYC/KYB verified when the pay-in request is made ([read more](/guides/payin-beneficiaries)).\n\nIf the `FlowDescriptor.Beneficiaries` is sent in the API request, then:\n- The transaction's `CreditedWalletId` holder is disregarded in KYC/KYB checks.\n- **ALL** `UserId` values in the array must be one of:\n  - `OWNER` whose `KYCLevel` is `REGULAR`\n  - `PLATFORM`\n  \nThe pay-in `Status` becomes `FAILED` with `ResultCode` [002951](/errors/codes/002951) if at least one `FlowDescriptor.Beneficiaries.UserId` is:\n- `PAYER`\n- `OWNER` whose `KYCLevel` is `LIGHT`\n\nIf the `FlowDescriptor.Beneficiaries` is not sent in the API request, then the `CreditedWalletId` holder is subject to KYC/KYB checks. This property is optional for backwards compatibility but is recommended for all pay-in flows, even when the `CreditedWalletId` holder is a `PAYER` or the same value as one of the `FlowDescriptor.Beneficiaries`. \n"
      title: FlowDescriptorRequest
    PayconiqPayInResponse:
      type: object
      properties:
        Id:
          $ref: '#/components/schemas/Id'
        Tag:
          $ref: '#/components/schemas/Tag'
        CreationDate:
          $ref: '#/components/schemas/CreationDate'
        AuthorId:
          $ref: '#/components/schemas/AuthorId'
        DebitedFunds:
          $ref: '#/components/schemas/PayconiqPayInResponseDebitedFunds'
          description: Information about the debited funds.
        CreditedFunds:
          $ref: '#/components/schemas/PayconiqPayInResponseCreditedFunds'
          description: Information about the credited funds (`CreditedFunds` = `DebitedFunds` - `Fees`).
        Fees:
          $ref: '#/components/schemas/PayconiqPayInResponseFees'
          description: Information about the fees.
        Status:
          $ref: '#/components/schemas/TransactionStatus'
        ResultCode:
          $ref: '#/components/schemas/ResultCode'
        ResultMessage:
          $ref: '#/components/schemas/ResultMessage'
        ExecutionDate:
          $ref: '#/components/schemas/TransactionExecutionDate'
        Type:
          $ref: '#/components/schemas/TransactionType'
        Nature:
          $ref: '#/components/schemas/TransactionNature'
        CreditedWalletId:
          type: string
          description: The unique identifier of the credited wallet.
        CreditedUserId:
          $ref: '#/components/schemas/CreditedUserId'
        FlowDescriptor:
          $ref: '#/components/schemas/FlowDescriptorResponse'
        PaymentType:
          type: string
          description: '**Returned values:** `PAYCONIQ`


            The payment type of the pay-in.'
        ExecutionType:
          type: string
          description: '**Returned values:** `WEB`


            The execution type of the pay-in.'
        ReturnURL:
          $ref: '#/components/schemas/ReturnURL_255'
        RedirectURL:
          type: string
          description: 'The URL to which to redirect the user to complete the payment on a hosted page showing the QR code and Payconiq by Bancontact branding and instructions.


            **Note:** In Sandbox, this value redirects to Mangopay''s web-based simulator.


            **Caution:** This variable URL is specific to each payment. You must rely on the returned URL in full (host, path, and queries) and not hardcode any part of it.'
        StatementDescriptor:
          $ref: '#/components/schemas/StatementDescriptor'
        Country:
          type: string
          description: '**Returned values:** BE, LU


            The country of residence of the user.'
        DeepLinkURL:
          type: string
          description: 'The mobile URL to which to redirect the user to complete the payment in an app-to-app flow.


            **Note:** In Sandbox, this value is a placeholder: the `RedirectURL` must be used to complete the payment using Mangopay''s web-based simulator.'
        QRCodeURL:
          type: string
          description: 'The URL of a page containing only the QR code which you can use in your payment experience.


            You can lightly customize the QR code''s format, size, and color by adding query parameters to the `QRCodeURL` before redirecting the user. See the <a href="/guides/payment-methods/payconiq">Payconiq guide</a> for details.


            **Note:** In Sandbox, this value is a placeholder. The `RedirectURL` must be used to complete the payment using Mangopay''s web-based simulator.'
      description: 'A Payconiq pay-in:

        - `PaymentType` – `PAYCONIQ`

        - `ExecutionType` – `WEB`'
      title: PayconiqPayInResponse
    PayconiqPayInResponseDebitedFunds:
      type: object
      properties:
        Currency:
          $ref: '#/components/schemas/Currency'
        Amount:
          $ref: '#/components/schemas/Amount'
      description: Information about the debited funds.
      title: PayconiqPayInResponseDebitedFunds
    TransactionStatus:
      type: string
      description: '**Returned values:** `CREATED`, `SUCCEEDED`, `FAILED`


        The status of the transaction.'
      title: TransactionStatus
    FlowDescriptorResponse:
      type: object
      properties:
        FlowId:
          type: string
          description: Unique identifier of the payment flow, used by Mangopay for internal purposes.
        Beneficiaries:
          type:
          - array
          - 'null'
          items:
            $ref: '#/components/schemas/FlowDescriptorResponseBeneficiariesItems'
          description: 'Max. length: 5 items


            The list of up to 5 Natural or Legal Users declared as beneficiaries of the pay-in, who must all be KYC/KYB verified when the pay-in request is made. The pay-in also fails if the `Beneficiaries` array contains nulled objects or invalid `UserId` values.'
      description: "Information about the Owner beneficiaries targeted by the pay-in and its subsequent transfers, who must all be KYC/KYB verified when the pay-in request is made ([read more](/guides/payin-beneficiaries)).\n\nIf the `FlowDescriptor.Beneficiaries` is sent in the API request, then:\n- The transaction's `CreditedWalletId` holder is disregarded in KYC/KYB checks.\n- **ALL** `UserId` values in the array must be one of:\n  - `OWNER` whose `KYCLevel` is `REGULAR`\n  - `PLATFORM`\n  \nThe pay-in `Status` becomes `FAILED` with `ResultCode` [002951](/errors/codes/002951) if at least one `FlowDescriptor.Beneficiaries.UserId` is:\n- `PAYER`\n- `OWNER` whose `KYCLevel` is `LIGHT`\n\nIf the `FlowDescriptor.Beneficiaries` is not sent in the API request, then the `CreditedWalletId` holder is subject to KYC/KYB checks. This property is optional for backwards compatibility but is recommended for all pay-in flows, even when the `CreditedWalletId` holder is a `PAYER` or the same value as one of the `FlowDescriptor.Beneficiaries`.\n"
      title: FlowDescriptorResponse
    ResultMessage:
      type: string
      description: The explanation of the result code.
      title: ResultMessage
    CreditedUserId:
      type: string
      description: '**Default value:** The unique identifier of the owner of the credited wallet.


        The unique identifier of the user whose wallet is credited.'
      title: CreditedUserId
    Currency:
      type: string
      description: '**Allowed values:** The three-letter <a href="/api-reference/overview/data-formats" target="_blank">ISO 4217 code</a> (EUR, GBP, etc.) of a <a href="/guides/currencies" target="_blank">supported currency</a> (depends on feature, contract, and activation settings).


        The currency of the amount.'
      title: Currency
    CreateAPayconiqPayInRequestFees:
      type: object
      properties:
        Currency:
          $ref: '#/components/schemas/Currency'
        Amount:
          $ref: '#/components/schemas/Amount'
      required:
      - Currency
      - Amount
      description: Information about the fees.
      title: CreateAPayconiqPayInRequestFees
    PayconiqPayInResponseCreditedFunds:
      type: object
      properties:
        Currency:
          $ref: '#/components/schemas/Currency'
        Amount:
          $ref: '#/components/schemas/Amount'
      description: Information about the credited funds (`CreditedFunds` = `DebitedFunds` - `Fees`).
      title: PayconiqPayInResponseCreditedFunds
    TransactionNature:
      type: string
      description: '**Returned values:** `REGULAR`, `REPUDIATION`, `REFUND`, `SETTLEMENT`


        The nature of the transaction, providing more information about the context in which the transaction occurred:

        - `REGULAR` – Relative to most of the transactions (pay-ins, payouts, and transfers) in a usual workflow.

        - `REPUDIATION` – Automatic withdrawal of funds from the platform''s repudiation wallet as part of the dispute process (when the user has requested a chargeback).

        - `REFUND` – Reimbursement of a transaction to the user (pay-in refund), to a wallet (transfer refund), or of a payout (payout refund, only initiated by Mangopay).

        - `SETTLEMENT` – Transfer made to the repudiation wallet by the platform to settle a lost dispute.'
      title: TransactionNature
    Tag:
      type: string
      description: 'Max. length: 255 characters


        Custom data that you can add to this object, such as unique identifiers in your system. To store multiple values, you can serialize them into a single string, for example a JSON object: `"{\"id_1\":AB123,\"id_2\":DE456}"`.'
      title: Tag
    CreationDate:
      type: integer
      description: Unix timestamp (UTC) of the date and time the object was created.
      title: CreationDate
    ReturnURL_255:
      type: string
      description: 'Max. length: 255 characters


        The URL to which the user is returned after the payment, whether the transaction is successful or not.'
      title: ReturnURL_255
    Id:
      type: string
      description: 'Max length: 128 characters (see [data formats](/api-reference/overview/data-formats) for details)


        The unique identifier of the object.'
      title: Id
    ResultCode:
      type: string
      description: The code indicating the result of the operation. This information is mostly used to <a href="/errors/codes">handle errors</a> or for filtering purposes.
      title: ResultCode
    TransactionType:
      type: string
      description: '**Returned values:** `PAYIN`, `TRANSFER`, `CONVERSION`, `PAYOUT`


        The type of the transaction.'
      title: TransactionType
    PayconiqPayInResponseFees:
      type: object
      properties:
        Currency:
          $ref: '#/components/schemas/Currency'
        Amount:
          $ref: '#/components/schemas/Amount'
      description: Information about the fees.
      title: PayconiqPayInResponseFees
  securitySchemes:
    oauth2:
      type: http
      scheme: bearer
      description: "Bearer authentication of the form `Bearer <token>`, where token is your auth token. \n\nIf your platform is using a [proxy](/guides/sca/proxy-management) to take SCA-triggering action on behalf of users, you also need to integrate [mTLS authentication](/guides/sca/platform) and use the `api-mtls` base URL."
x-provenance:
  method: harvested
  publisher: Mangopay
  source: https://docs.mangopay.com/openapi.json
  note: split by refine-openapis from the provider's own published document, verified by fetch (openapi/_original/*.fetch.json);
    stamped by stamp-openapi-provenance.py (roadmap#793)