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Trois opérations suffisent à tout comprendre : ",[305,306,307],"strong",{},"PayIn"," (l'argent entre), ",[305,310,311],{},"Transfer"," (l'argent se répartit), ",[305,314,315],{},"PayOut"," (l'argent sort vers une vraie banque).",[318,319,320,323,324,326,327,330,331,333],"tip",{},[305,321,322],{},"L'image du vestiaire."," Imaginez MangoPay comme un vestiaire sécurisé avec des casiers nominatifs : chaque acheteur a un casier (wallet payeur), chaque vendeur a un casier (wallet propriétaire), et la plateforme a ses casiers à elle (commissions). L'acheteur dépose l'argent dans son casier (",[305,325,307],{},"), le personnel répartit le contenu entre les casiers du vendeur et de la plateforme (",[305,328,329],{},"Transfers","), puis le vendeur fait virer le contenu de son casier vers sa banque (",[305,332,315],{},"). À aucun moment l'argent ne se mélange.",[335,336,338],"h2",{"id":337},"larchitecture-des-comptes","L'architecture des comptes",[301,340,341,342,346],{},"Chaque organisation (société acheteuse ou vendeuse) possède un ",[343,344,345],"code",{},"MangopayAccount"," qui regroupe :",[348,349,350,363],"table",{},[351,352,353],"thead",{},[354,355,356,360],"tr",{},[357,358,359],"th",{},"Élément",[357,361,362],{},"Rôle",[364,365,366,382,395,405,429,457],"tbody",{},[354,367,368,379],{},[369,370,371,374,375,378],"td",{},[305,372,373],{},"payerAccount"," (catégorie ",[343,376,377],{},"PAYER",")",[369,380,381],{},"Le compte « acheteur » : utilisateur MangoPay + wallet(s) où arrivent ses paiements (un wallet par shop dans le format multi-shop).",[354,383,384,392],{},[369,385,386,374,389,378],{},[305,387,388],{},"ownerAccount",[343,390,391],{},"OWNER",[369,393,394],{},"Le compte « vendeur » : utilisateur MangoPay + wallet(s) où arrive sa part des ventes.",[354,396,397,402],{},[369,398,399],{},[305,400,401],{},"auctioneerWalletId",[369,403,404],{},"Wallet dédié au mode commissaire-priseur.",[354,406,407,412],{},[369,408,409],{},[305,410,411],{},"virtualAccount",[369,413,414,415,418,419,418,422,418,425,428],{},"L'IBAN virtuel de l'acheteur : un vrai IBAN, personnel, sur lequel il peut virer depuis sa banque. Statuts : ",[343,416,417],{},"PENDING",", ",[343,420,421],{},"ACTIVE",[343,423,424],{},"BLOCKED",[343,426,427],{},"CLOSED",".",[354,430,431,436],{},[369,432,433],{},[305,434,435],{},"recipients",[369,437,438,439,442,443,446,447,418,449,418,451,418,454,428],{},"Les IBAN de destination enregistrés (et validés par authentification forte) pour les reversements : ",[343,440,441],{},"owner"," (vendeur) et ",[343,444,445],{},"auctioneer",". Statuts : ",[343,448,417],{},[343,450,421],{},[343,452,453],{},"CANCELED",[343,455,456],{},"DEACTIVATED",[354,458,459,464],{},[369,460,461],{},[305,462,463],{},"kyc",[369,465,466],{},"Les documents d'identification (voir section KYC).",[301,468,469,470,473,474,477,478,481,482,485,486,489],{},"Côté plateforme, le shop possède ses wallets techniques (config ",[343,471,472],{},"meta.secure.mangopay",") : ",[343,475,476],{},"platformCourtageCommissionWallet"," (commissions de courtage et frais acheteur), ",[343,479,480],{},"platformCPCommissionWallet"," (commissions commissaire-priseur), ",[343,483,484],{},"platformVatCautionWallet"," (caution TVA), et ",[343,487,488],{},"platformBankAccount"," (le compte bancaire réel de la plateforme).",[301,491,492,493,496,497,500,501,418,504,418,507,418,510,513],{},"Les utilisateurs MangoPay sont typés : ",[343,494,495],{},"NATURAL"," (personne physique) ou ",[343,498,499],{},"LEGAL"," (personne morale : ",[343,502,503],{},"BUSINESS",[343,505,506],{},"ORGANIZATION",[343,508,509],{},"SOLETRADER",[343,511,512],{},"PARTNERSHIP",").",[515,516,518,519,522,523,526,527,530,531,534,535,538,539,542,543,546,547,550],"collapsible",{"name":517},"les détails techniques","Modèle : ",[343,520,521],{},"mangopay\u002Fsrc\u002Fmodels\u002FmangopayAccounts.js"," (table ",[343,524,525],{},"mangopay_accounts",") ; logique métier : ",[343,528,529],{},"mangopay\u002Fsrc\u002Fdomain\u002FMangopayAccount.js"," (dont ",[343,532,533],{},"getWalletId(account, shopShortId)"," qui résout wallet historique vs multi-shop) ; constantes : ",[343,536,537],{},"mangopay\u002Fsrc\u002Fresources\u002FmangopayConstants.js"," et ",[343,540,541],{},"auctelia-models\u002Fsrc\u002Fschemas\u002FConstants\u002FMangopay.js",". Mapping métier : contrats ",[343,544,545],{},"SELLER_*"," → OWNER, contrats ",[343,548,549],{},"BUYER_*"," → PAYER.",[335,552,554],{"id":553},"_1-payin-largent-entre","1. PayIn — l'argent entre",[301,556,557,558,561],{},"Deux moyens de paiement (",[343,559,560],{},"PAYMENT_TYPES",") :",[348,563,564,576],{},[351,565,566],{},[354,567,568,570,573],{},[357,569],{},[357,571,572],{},"💳 CARD (carte)",[357,574,575],{},"🏦 BANK_WIRE (virement)",[364,577,578,589,619],{},[354,579,580,583,586],{},[369,581,582],{},"Comment",[369,584,585],{},"L'acheteur clique sur l'URL de paiement (3-D Secure). Cartes CB\u002FVisa\u002FMastercard\u002FAmex\u002FMaestro.",[369,587,588],{},"L'acheteur vire sur son IBAN virtuel personnel.",[354,590,591,594,608],{},[369,592,593],{},"Rapprochement",[369,595,596,597,600,601,604,605,513],{},"Certain : la ",[305,598,599],{},"PaymentRequest"," liait déjà les factures au paiement (",[343,602,603],{},"matchBankMovement"," avec les ",[343,606,607],{},"invoiceShortIds",[369,609,610,611,614,615,618],{},"Quasi-automatique : l'IBAN virtuel identifie l'acheteur (",[343,612,613],{},"findByWalletId"," → organisation), puis ",[343,616,617],{},"autoMatchBankMovement"," par montant\u002Fdate.",[354,620,621,624,645],{},[369,622,623],{},"Webhook",[369,625,626,629,630,633,634,637,638,641,642,428],{},[343,627,628],{},"PAYIN_NORMAL_SUCCEEDED"," → création du mouvement bancaire ",[343,631,632],{},"IN"," (statut ",[343,635,636],{},"NEW",") avec la trace MangoPay (",[343,639,640],{},"indexedMeta.mangopay.payinId",", wallet crédité, wire reference) → rapprochement → facture ",[343,643,644],{},"PAID",[369,646,647],{},[648,649,650],"em",{},"(idem carte : même webhook)",[515,652,653,654,657,658,661,662,665,666,669,670,673,674,677,678,681],{"name":517},"Webhooks reçus sur ",[343,655,656],{},"POST \u002Fmangopay\u002Fevents",", dispatchés par ",[343,659,660],{},"mangopay\u002Fsrc\u002Fhelpers\u002Fevents\u002FEventRegistry.js",". Traitement payin : ",[343,663,664],{},"mangopay\u002Fsrc\u002Fservices\u002Fpayin\u002FPayinEventService.js"," ; construction du mouvement : ",[343,667,668],{},"mangopay\u002Fsrc\u002Fhelpers\u002Fpayments\u002FbuildBankMovementFromTransaction.js"," (communication = ",[343,671,672],{},"StatementDescriptor"," pour la carte, ",[343,675,676],{},"Tag","\u002F",[343,679,680],{},"WireReference"," pour le virement).",[335,683,685],{"id":684},"_2-transfer-largent-se-répartit","2. Transfer — l'argent se répartit",[301,687,688,689,561],{},"Une fois la vente confirmée et la commission validée, des transferts déplacent l'argent du wallet de l'acheteur vers les bons destinataires. Les types (",[343,690,691],{},"TransferTypes",[348,693,694,707],{},[351,695,696],{},[354,697,698,701,704],{},[357,699,700],{},"Type",[357,702,703],{},"De → Vers",[357,705,706],{},"Quoi",[364,708,709,722,735,748,760],{},[354,710,711,716,719],{},[369,712,713],{},[343,714,715],{},"PAY_IN_BROKERAGE",[369,717,718],{},"Wallet acheteur → wallet vendeur",[369,720,721],{},"La part du vendeur (vente en courtage)",[354,723,724,729,732],{},[369,725,726],{},[343,727,728],{},"PAY_IN_AUCTIONEER",[369,730,731],{},"Wallet acheteur → wallet commissaire-priseur",[369,733,734],{},"La vente en mode commissaire-priseur",[354,736,737,742,745],{},[369,738,739],{},[343,740,741],{},"COMMISSION",[369,743,744],{},"Wallet acheteur → wallet plateforme",[369,746,747],{},"La commission de courtage",[354,749,750,755,757],{},[369,751,752],{},[343,753,754],{},"BUYER_FEES",[369,756,744],{},[369,758,759],{},"Les frais acheteur",[354,761,762,767,770],{},[369,763,764],{},[343,765,766],{},"VAT_CAUTION",[369,768,769],{},"(réservé)",[369,771,772],{},"Caution TVA — prévu, non utilisé actuellement",[774,775,776,782,814],"note",{},[301,777,778,781],{},[305,779,780],{},"💰 Exemple chiffré (courtage, FEES_DEDUCTION).","\nLot adjugé 10 000 € HT, frais acheteur 15 %, commission vendeur 10 %, TVA 21 % :",[783,784,785,797,803,811],"ul",{},[786,787,788,789,792,793,796],"li",{},"L'acheteur paie ",[305,790,791],{},"13 915 €"," (10 000 + 2 100 de TVA + 1 500 de frais + 315 de TVA sur frais) → tout arrive dans ",[648,794,795],{},"son"," wallet.",[786,798,799,800,802],{},"Transfer ",[343,801,715],{}," : la part vendeur part vers le wallet du vendeur.",[786,804,805,806,538,808,810],{},"Transfers ",[343,807,754],{},[343,809,741],{}," : frais acheteur et commission partent vers le wallet plateforme.",[786,812,813],{},"Le vendeur touchera au final prix de vente TTC − commission TTC (déduction des frais).",[301,815,816],{},[648,817,818],{},"(Montants illustratifs — les taux réels viennent du contrat.)",[301,820,821,822,825,826,829,830,833,834,837,838,841,842,845],{},"Au webhook ",[343,823,824],{},"TRANSFER_NORMAL_SUCCEEDED",", le système : marque le mouvement d'origine ",[343,827,828],{},"SETTLED",", crée automatiquement le mouvement ",[305,831,832],{},"OUT"," du reversement et ",[305,835,836],{},"enchaîne directement sur le PayOut"," (voir ci-dessous). En cas de ",[343,839,840],{},"TRANSFER_NORMAL_FAILED"," : mouvement ",[343,843,844],{},"REJECTED",", pas de payout, intervention manuelle.",[515,847,848,849,852,853,856,857,860,861,863,864,867,868,871,872,875,876,513],{"name":517},"Création : ",[343,850,851],{},"mangopay\u002Fsrc\u002Fservices\u002Ftransfer\u002FTransferService.js"," — ",[343,854,855],{},"create({shopShortId, transferType, debitedOrganisationShortId, creditedOrganisationShortId, amount, bankMovementShortId})"," ; résolution du wallet crédité dans ",[343,858,859],{},"_resolveCreditedWalletId()"," (COMMISSION\u002FBUYER_FEES → wallet plateforme ; AUCTIONEER → ",[343,862,401],{}," ; sinon wallet owner du vendeur). Webhooks : ",[343,865,866],{},"mangopay\u002Fsrc\u002Fservices\u002Ftransfer\u002FTransferEventService.js",". Déclencheur côté book-keeper : soumission des mouvements de commission (",[343,869,870],{},"book-keeper\u002Fsrc\u002Fservices\u002FbankMovements\u002FmovementCommissionsMangopay.js",", routage Ponto\u002FMangoPay dans ",[343,873,874],{},"bankMovementSubmit.js"," selon le ",[343,877,878],{},"payInMode",[335,880,882],{"id":881},"_3-payout-largent-sort-vers-une-vraie-banque","3. PayOut — l'argent sort vers une vraie banque",[301,884,885,886,561],{},"Le payout vide le wallet vers un IBAN réel, préalablement enregistré et validé (recipient). Les types (",[343,887,888],{},"PayoutTypes",[348,890,891,902],{},[351,892,893],{},[354,894,895,897,899],{},[357,896,700],{},[357,898,703],{},[357,900,901],{},"Déclenché par",[364,903,904,919,933],{},[354,905,906,911,914],{},[369,907,908],{},[343,909,910],{},"PAY_OUT_BROKERAGE",[369,912,913],{},"Wallet vendeur → IBAN du vendeur",[369,915,916,917],{},"Suite du transfer ",[343,918,715],{},[354,920,921,926,929],{},[369,922,923],{},[343,924,925],{},"PAY_OUT_AUCTIONEER",[369,927,928],{},"Wallet CP → IBAN du commissaire-priseur",[369,930,916,931],{},[343,932,728],{},[354,934,935,940,943],{},[369,936,937],{},[343,938,939],{},"PAY_OUT_SHOP",[369,941,942],{},"Wallet plateforme → compte bancaire plateforme",[369,944,945,946,677,948],{},"Suite des transfers ",[343,947,741],{},[343,949,754],{},[301,951,952,953,956,957,960,961,956,964,966,967,970,971,974,975,977,978,956,981,983],{},"Le cycle, suivi par webhooks : ",[343,954,955],{},"PAYOUT_NORMAL_CREATED"," (mouvement ",[343,958,959],{},"EXPORTED",") → ",[343,962,963],{},"PAYOUT_NORMAL_SUCCEEDED",[343,965,828],{}," + ",[305,968,969],{},"les factures liées sont soldées"," via ",[343,972,973],{},"settleRelatedInvoices"," : la commission et les factures associées passent ",[343,976,828],{},") — ou ",[343,979,980],{},"PAYOUT_NORMAL_FAILED",[343,982,844],{},", erreur tracée, re-soumission possible après correction).",[985,986,987,990,991,513],"warning",{},[305,988,989],{},"Pourquoi un payout échoue."," Causes classiques : recipient annulé\u002Fdésactivé (l'IBAN doit être revalidé par authentification forte), données bancaires erronées, limites dépassées. Le back-office peut corriger puis relancer (",[343,992,993],{},"PayoutService.resubmit()",[515,995,996,999,1000,966,1003,1006,1007,1010,1011,1014,1015,1018,1019,1022,1023,1025],{"name":517},[343,997,998],{},"mangopay\u002Fsrc\u002Fservices\u002Fpayout\u002FPayoutService.js"," (création : ",[343,1001,1002],{},"DebitedWalletId",[343,1004,1005],{},"BankAccountId"," = recipient + ",[343,1008,1009],{},"BankWireRef"," ; auteur = ",[343,1012,1013],{},"shop.platformUserId",") et ",[343,1016,1017],{},"PayoutEventService.js"," (webhooks). Audit : table ",[343,1020,1021],{},"mangopay_payouts",". La traçabilité complète vit dans le ",[343,1024,676],{}," JSON de chaque opération MangoPay (bankMovementShortId, transferId, transferType…).",[335,1027,1029],{"id":1028},"kyc-kyb-la-conformité-qui-peut-tout-bloquer","KYC \u002F KYB : la conformité qui peut tout bloquer",[318,1031,1032,1035,1036,1039,1040,1043],{},[305,1033,1034],{},"KYC en deux mots."," « Know Your Customer » : la loi anti-blanchiment oblige MangoPay à vérifier l'identité de quiconque ",[305,1037,1038],{},"reçoit"," de l'argent. Un vendeur dont le dossier KYC n'est pas validé peut vendre… mais ",[305,1041,1042],{},"ne peut pas être reversé",". C'est la cause n°1 des reversements bloqués.",[348,1045,1046,1056],{},[351,1047,1048],{},[354,1049,1050,1053],{},[357,1051,1052],{},"Qui",[357,1054,1055],{},"Documents requis",[364,1057,1058,1066,1074],{},[354,1059,1060,1063],{},[369,1061,1062],{},"Acheteur (PAYER)",[369,1064,1065],{},"Pièce d'identité (+ justificatif d'adresse au-delà de certains seuils)",[354,1067,1068,1071],{},[369,1069,1070],{},"Vendeur personne physique",[369,1072,1073],{},"Pièce d'identité + justificatif d'adresse",[354,1075,1076,1079],{},[369,1077,1078],{},"Vendeur société (KYB)",[369,1080,1081],{},"Identité du représentant légal + extrait d'immatriculation (KBIS\u002Féquivalent) + statuts + déclaration des bénéficiaires effectifs (UBO)",[301,1083,1084,1085,418,1088,418,1091,418,1094,418,1097,418,1100,418,1103,418,1106,1109,1110,1112,1113,677,1116,1119,1120,418,1123,418,1126,418,1129,418,1131,1133,1134,1137,1138,1141],{},"Statuts KYC : ",[343,1086,1087],{},"N_A",[343,1089,1090],{},"MISSING",[343,1092,1093],{},"IN_VALIDATION",[343,1095,1096],{},"OK",[343,1098,1099],{},"TO_MODIFY",[343,1101,1102],{},"REFUSED",[343,1104,1105],{},"OUTDATED",[343,1107,1108],{},"RENEWAL_REQUIRED",". Statuts de compte vendeur : ",[343,1111,421],{}," ✅, et les bloquants ",[343,1114,1115],{},"CREATED",[343,1117,1118],{},"SCA_NOK"," (authentification forte non complétée), ",[343,1121,1122],{},"PENDING_DATA",[343,1124,1125],{},"KYC_NOK",[343,1127,1128],{},"COMPANY_NUMBER_NOK",[343,1130,424],{},[343,1132,427],{},". Deux modes de collecte existent : ",[343,1135,1136],{},"hosted"," (parcours hébergé MangoPay avec session de vérification d'identité) ou ",[343,1139,1140],{},"api"," (documents poussés par la plateforme).",[985,1143,1144,1147,1148,1151,1152,1155],{},[305,1145,1146],{},"La SCA (authentification forte)."," Depuis la réglementation européenne, l'enregistrement d'un IBAN de reversement (recipient) et certains comptes exigent une ",[305,1149,1150],{},"authentification forte"," du titulaire (lien ",[343,1153,1154],{},"scaUrl"," envoyé au vendeur). Tant qu'elle n'est pas faite : pas de transfer ni de payout possible.",[335,1157,1159],{"id":1158},"récapitulatif-des-webhooks-mangopay-traités","Récapitulatif des webhooks MangoPay traités",[515,1161,1163,1204],{"name":1162},"EventRegistry — le récapitulatif des webhooks",[783,1164,1165,1175,1183,1192],{},[786,1166,1167,1170,1171,1174],{},[305,1168,1169],{},"Payins"," : ",[343,1172,1173],{},"PAYIN_NORMAL_CREATED \u002F SUCCEEDED \u002F FAILED"," → PayinEventService.",[786,1176,1177,1170,1179,1182],{},[305,1178,329],{},[343,1180,1181],{},"TRANSFER_NORMAL_CREATED \u002F SUCCEEDED \u002F FAILED"," → TransferEventService (+ enchaînement payout).",[786,1184,1185,1170,1188,1191],{},[305,1186,1187],{},"Payouts",[343,1189,1190],{},"PAYOUT_NORMAL_CREATED \u002F SUCCEEDED \u002F FAILED"," → PayoutEventService (+ settle des factures).",[786,1193,1194,1170,1197,418,1200,1203],{},[305,1195,1196],{},"Refunds",[343,1198,1199],{},"PAYIN_REFUND_CREATED \u002F SUCCEEDED \u002F FAILED",[343,1201,1202],{},"TRANSFER_REFUND_CREATED \u002F SUCCEEDED \u002F FAILED"," → remboursements (voir chapitre suivant).",[301,1205,1206,1207,418,1209,418,1211,418,1214,418,1217,428],{},"Tables d'audit : ",[343,1208,525],{},[343,1210,1021],{},[343,1212,1213],{},"mangopay_refunds",[343,1215,1216],{},"mangopay_cards",[343,1218,1219],{},"mangopay_deposits",[335,1221,1223],{"id":1222},"le-lien-avec-la-facturation-simpledouble","Le lien avec la facturation simple\u002Fdouble",[348,1225,1226,1240],{},[351,1227,1228],{},[354,1229,1230,1233,1235,1237],{},[357,1231,1232],{},"Mode",[357,1234,329],{},[357,1236,1187],{},[357,1238,1239],{},"En cas d'avoir",[364,1241,1242,1265,1285],{},[354,1243,1244,1249,1259,1262],{},[369,1245,1246],{},[305,1247,1248],{},"Simple",[369,1250,1251,1253,1254,677,1256,1258],{},[343,1252,715],{}," (part vendeur) + ",[343,1255,741],{},[343,1257,754],{}," (plateforme)",[369,1260,1261],{},"1 payout vendeur (+ payouts shop)",[369,1263,1264],{},"1 refund du PayIn",[354,1266,1267,1272,1275,1278],{},[369,1268,1269],{},[305,1270,1271],{},"Double",[369,1273,1274],{},"Identiques, mais adossés à 2 factures distinctes",[369,1276,1277],{},"Identiques",[369,1279,1280,1281,1284],{},"2 temps : on ",[305,1282,1283],{},"inverse d'abord le transfer vendeur"," (transfer refund), puis on refund le PayIn",[354,1286,1287,1292,1298,1301],{},[369,1288,1289],{},[305,1290,1291],{},"Commissaire-priseur",[369,1293,1294,966,1296],{},[343,1295,728],{},[343,1297,741],{},[369,1299,1300],{},"Payout CP + payout shop",[369,1302,1264],{},{"title":1304,"searchDepth":1305,"depth":1305,"links":1306},"",2,[1307,1308,1309,1310,1311,1312,1313],{"id":337,"depth":1305,"text":338},{"id":553,"depth":1305,"text":554},{"id":684,"depth":1305,"text":685},{"id":881,"depth":1305,"text":882},{"id":1028,"depth":1305,"text":1029},{"id":1158,"depth":1305,"text":1159},{"id":1222,"depth":1305,"text":1223},"PayIn, Transfer, PayOut — l'argent entre, se répartit, puis sort vers une vraie banque, avec KYC\u002FSCA et webhooks.","md",null,{},{"icon":250},{"title":247,"description":1314},"wSTe2A2g47pUABoPU2oLogUy1piY_0pwgVE5byurdk8",[1322,1324],{"title":242,"path":243,"stem":244,"description":1323,"icon":245,"children":-1},"Mouvements bancaires, lettrage\u002Frapprochement paiement ↔ facture, et les deux circuits d'encaissement.",{"title":252,"path":253,"stem":254,"description":1325,"icon":255,"children":-1},"Émettre un avoir plutôt que supprimer une facture, et les deux mécaniques de remboursement (Ponto, MangoPay).",1785163544387]