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Overview

Pay-ins are transactions that credit funds to a user’s wallet. Mangopay supports multiple payment methods:
  • Card payments (direct and web)
  • Bank wire
  • Direct debit
  • PayPal
  • Google Pay
  • Alternative payment methods (Payconiq, Klarna, iDEAL, etc.)

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Pay-in Structure

Every pay-in consists of:
  • Payment Type: How the user pays (card, bank wire, etc.)
  • Execution Type: How the payment is processed (web, direct, etc.)
  • Payment Details: Specific to the payment type
  • Execution Details: Specific to the execution type

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Card Direct Pay-in

Process a card payment directly using card details:
1

Register the Card

First, register the card using card registration:
$cardRegistration = new MangoPay\CardRegistration();
$cardRegistration->UserId = $userId;
$cardRegistration->Currency = 'EUR';
$cardRegistration->CardType = 'CB_VISA_MASTERCARD';

$createdCardReg = $api->CardRegistrations->Create($cardRegistration);

// Send cardRegistration data to your frontend
// to collect card details securely
2

Update Card Registration

After collecting card data on the frontend:
$cardRegistration = $api->CardRegistrations->Get($cardRegistrationId);
$cardRegistration->RegistrationData = $registrationData;

$updatedCardReg = $api->CardRegistrations->Update($cardRegistration);
$cardId = $updatedCardReg->CardId;
3

Create the Pay-in

Process the payment:
$payIn = new MangoPay\PayIn();
$payIn->AuthorId = $userId;
$payIn->CreditedUserId = $userId;
$payIn->CreditedWalletId = $walletId;
$payIn->DebitedFunds = new MangoPay\Money();
$payIn->DebitedFunds->Currency = 'EUR';
$payIn->DebitedFunds->Amount = 10000; // 100.00 EUR
$payIn->Fees = new MangoPay\Money();
$payIn->Fees->Currency = 'EUR';
$payIn->Fees->Amount = 100; // 1.00 EUR fee

// Payment details
$payIn->PaymentType = 'CARD';
$payIn->PaymentDetails = new MangoPay\PayInPaymentDetailsCard();
$payIn->PaymentDetails->CardType = 'CB_VISA_MASTERCARD';

// Execution details
$payIn->ExecutionType = 'DIRECT';
$payIn->ExecutionDetails = new MangoPay\PayInExecutionDetailsDirect();
$payIn->ExecutionDetails->CardId = $cardId;
$payIn->ExecutionDetails->SecureModeReturnURL = 'https://your-site.com/return';

try {
    $createdPayIn = $api->PayIns->Create($payIn);
    
    if ($createdPayIn->Status === 'SUCCEEDED') {
        echo "Payment successful!";
    } elseif ($createdPayIn->Status === 'FAILED') {
        echo "Payment failed: " . $createdPayIn->ResultMessage;
    }
} catch (MangoPay\Libraries\ResponseException $e) {
    echo "Error: " . $e->GetMessage();
}

​
Card Web Pay-in

Redirect users to a secure payment page: 
$payIn = new MangoPay\PayIn();
$payIn->AuthorId = $userId;
$payIn->CreditedUserId = $userId;
$payIn->CreditedWalletId = $walletId;
$payIn->DebitedFunds = new MangoPay\Money();
$payIn->DebitedFunds->Currency = 'EUR';
$payIn->DebitedFunds->Amount = 10000;
$payIn->Fees = new MangoPay\Money();
$payIn->Fees->Currency = 'EUR';
$payIn->Fees->Amount = 100;

// Payment details
$payIn->PaymentType = 'CARD';
$payIn->PaymentDetails = new MangoPay\PayInPaymentDetailsCard();
$payIn->PaymentDetails->CardType = 'CB_VISA_MASTERCARD';

// Execution details
$payIn->ExecutionType = 'WEB';
$payIn->ExecutionDetails = new MangoPay\PayInExecutionDetailsWeb();
$payIn->ExecutionDetails->ReturnURL = 'https://your-site.com/return';
$payIn->ExecutionDetails->Culture = 'EN';

try {
    $createdPayIn = $api->PayIns->Create($payIn);
    
    // Redirect user to payment page
    header('Location: ' . $createdPayIn->ExecutionDetails->RedirectURL);
} catch (MangoPay\Libraries\ResponseException $e) {
    echo "Error: " . $e->GetMessage();
}

​
Bank Wire Pay-in

Accept payments via bank transfer: 
$payIn = new MangoPay\PayIn();
$payIn->AuthorId = $userId;
$payIn->CreditedUserId = $userId;
$payIn->CreditedWalletId = $walletId;
$payIn->DeclaredDebitedFunds = new MangoPay\Money();
$payIn->DeclaredDebitedFunds->Currency = 'EUR';
$payIn->DeclaredDebitedFunds->Amount = 10000;
$payIn->DeclaredFees = new MangoPay\Money();
$payIn->DeclaredFees->Currency = 'EUR';
$payIn->DeclaredFees->Amount = 100;

// Payment details
$payIn->PaymentType = 'BANK_WIRE';
$payIn->PaymentDetails = new MangoPay\PayInPaymentDetailsBankWire();

// Execution details
$payIn->ExecutionType = 'DIRECT';
$payIn->ExecutionDetails = new MangoPay\PayInExecutionDetailsDirect();

try {
    $createdPayIn = $api->PayIns->Create($payIn);
    
    // Give user the bank wire details
    echo "Wire reference: " . $createdPayIn->PaymentDetails->WireReference . "\n";
    echo "Bank account: " . $createdPayIn->PaymentDetails->BankAccount->IBAN;
} catch (MangoPay\Libraries\ResponseException $e) {
    echo "Error: " . $e->GetMessage();
}

​
PayPal Pay-in

Process PayPal payments: 
$payIn = new MangoPay\PayIn();
$payIn->AuthorId = $userId;
$payIn->CreditedUserId = $userId;
$payIn->CreditedWalletId = $walletId;
$payIn->DebitedFunds = new MangoPay\Money();
$payIn->DebitedFunds->Currency = 'EUR';
$payIn->DebitedFunds->Amount = 10000;
$payIn->Fees = new MangoPay\Money();
$payIn->Fees->Currency = 'EUR';
$payIn->Fees->Amount = 100;

// Payment details
$payIn->PaymentType = 'PAYPAL';
$payIn->PaymentDetails = new MangoPay\PayInPaymentDetailsPaypal();
$payIn->PaymentDetails->ShippingAddress = new MangoPay\Address();
$payIn->PaymentDetails->ShippingAddress->AddressLine1 = '123 Main St';
$payIn->PaymentDetails->ShippingAddress->City = 'New York';
$payIn->PaymentDetails->ShippingAddress->Country = 'US';
$payIn->PaymentDetails->ShippingAddress->PostalCode = '10001';

// Execution details
$payIn->ExecutionType = 'WEB';
$payIn->ExecutionDetails = new MangoPay\PayInExecutionDetailsWeb();
$payIn->ExecutionDetails->ReturnURL = 'https://your-site.com/return';

try {
    $createdPayIn = $api->PayIns->CreatePayPal($payIn);
    
    // Redirect to PayPal
    header('Location: ' . $createdPayIn->ExecutionDetails->RedirectURL);
} catch (MangoPay\Libraries\ResponseException $e) {
    echo "Error: " . $e->GetMessage();
}

​
Google Pay

Process Google Pay payments: 
$payIn = new MangoPay\PayIn();
$payIn->AuthorId = $userId;
$payIn->CreditedUserId = $userId;
$payIn->CreditedWalletId = $walletId;
$payIn->DebitedFunds = new MangoPay\Money();
$payIn->DebitedFunds->Currency = 'EUR';
$payIn->DebitedFunds->Amount = 10000;
$payIn->Fees = new MangoPay\Money();
$payIn->Fees->Currency = 'EUR';
$payIn->Fees->Amount = 100;

// Payment details
$payIn->PaymentType = 'GOOGLE_PAY';
$payIn->PaymentDetails = new MangoPay\PayInPaymentDetailsGooglePay();
$payIn->PaymentDetails->PaymentData = $googlePayTokenData;

// Execution details
$payIn->ExecutionType = 'DIRECT';
$payIn->ExecutionDetails = new MangoPay\PayInExecutionDetailsDirect();
$payIn->ExecutionDetails->SecureModeReturnURL = 'https://your-site.com/return';

try {
    $createdPayIn = $api->PayIns->CreateGooglePay($payIn);
    
    if ($createdPayIn->Status === 'SUCCEEDED') {
        echo "Google Pay payment successful!";
    }
} catch (MangoPay\Libraries\ResponseException $e) {
    echo "Error: " . $e->GetMessage();
}

​
Retrieving Pay-ins

​
Get a Specific Pay-in

try {
    $payIn = $api->PayIns->Get($payInId);
    
    echo "Status: " . $payIn->Status . "\n";
    echo "Amount: " . ($payIn->DebitedFunds->Amount / 100) . "\n";
    echo "Result: " . $payIn->ResultMessage;
} catch (MangoPay\Libraries\ResponseException $e) {
    echo "Error: " . $e->GetMessage();
}

​
Recurring Pay-ins

Set up recurring payments:
1

Create Registration

$recurringReg = new MangoPay\PayInRecurringRegistration();
$recurringReg->AuthorId = $userId;
$recurringReg->CardId = $cardId;
$recurringReg->CreditedUserId = $userId;
$recurringReg->CreditedWalletId = $walletId;
$recurringReg->FirstTransactionDebitedFunds = new MangoPay\Money();
$recurringReg->FirstTransactionDebitedFunds->Currency = 'EUR';
$recurringReg->FirstTransactionDebitedFunds->Amount = 10000;
$recurringReg->FirstTransactionFees = new MangoPay\Money();
$recurringReg->FirstTransactionFees->Currency = 'EUR';
$recurringReg->FirstTransactionFees->Amount = 100;

$registration = $api->PayIns->CreateRecurringRegistration($recurringReg);
2

Create First Payment (CIT)

$recurringCIT = new MangoPay\RecurringPayInCIT();
$recurringCIT->RecurringPayinRegistrationId = $registration->Id;
$recurringCIT->DebitedFunds = new MangoPay\Money();
$recurringCIT->DebitedFunds->Currency = 'EUR';
$recurringCIT->DebitedFunds->Amount = 10000;
$recurringCIT->Fees = new MangoPay\Money();
$recurringCIT->Fees->Currency = 'EUR';
$recurringCIT->Fees->Amount = 100;

$payIn = $api->PayIns->CreateRecurringPayInRegistrationCIT($recurringCIT);
3

Create Subsequent Payments (MIT)

$recurringMIT = new MangoPay\RecurringPayInMIT();
$recurringMIT->RecurringPayinRegistrationId = $registration->Id;
$recurringMIT->DebitedFunds = new MangoPay\Money();
$recurringMIT->DebitedFunds->Currency = 'EUR';
$recurringMIT->DebitedFunds->Amount = 10000;
$recurringMIT->Fees = new MangoPay\Money();
$recurringMIT->Fees->Currency = 'EUR';
$recurringMIT->Fees->Amount = 100;

$payIn = $api->PayIns->CreateRecurringPayInRegistrationMIT($recurringMIT);

​
Refunding Pay-ins

Create refunds for pay-ins: 
$refund = new MangoPay\Refund();
$refund->AuthorId = $userId;
$refund->DebitedFunds = new MangoPay\Money();
$refund->DebitedFunds->Amount = 5000; // Partial refund
$refund->DebitedFunds->Currency = 'EUR';
$refund->Fees = new MangoPay\Money();
$refund->Fees->Amount = 0;
$refund->Fees->Currency = 'EUR';

try {
    $createdRefund = $api->PayIns->CreateRefund($payInId, $refund);
    
    if ($createdRefund->Status === 'SUCCEEDED') {
        echo "Refund successful";
    }
} catch (MangoPay\Libraries\ResponseException $e) {
    echo "Error: " . $e->GetMessage();
}

​
Using Idempotency

Prevent duplicate payments: 
$idempotencyKey = 'payin_' . $userId . '_' . $orderId;

$createdPayIn = $api->PayIns->Create($payIn, $idempotencyKey);

// Retrying with the same key returns the same pay-in
$samePayIn = $api->PayIns->Create($payIn, $idempotencyKey);

​
3D Secure Handling

Handle 3D Secure authentication: 
$payIn = $api->PayIns->Create($cardPayIn);

if ($payIn->SecureModeNeeded) {
    // Redirect to 3DS page
    header('Location: ' . $payIn->SecureModeRedirectURL);
    exit;
}

// After redirect back, check status
$payIn = $api->PayIns->Get($payInId);

if ($payIn->Status === 'SUCCEEDED') {
    echo "Payment completed successfully";
} else {
    echo "Payment failed: " . $payIn->ResultMessage;
}

​
Best Practices

Use Idempotency Keys

Always use idempotency keys to prevent duplicate charges.

Handle Webhooks

Set up webhooks for payment status updates.

Store Transaction IDs

Save pay-in IDs for reconciliation and support.

Validate Amounts

Ensure amounts are in cents and non-negative.

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Error Handling

try {
    $payIn = $api->PayIns->Create($newPayIn, $idempotencyKey);
} catch (MangoPay\Libraries\ResponseException $e) {
    $errorCode = $e->GetCode();
    $errorMessage = $e->GetMessage();
    
    // Log the error
    error_log("PayIn failed: " . $errorMessage);
    
    // Check specific errors
    foreach ($e->GetErrorDetails() as $error) {
        if ($error->Message === 'Insufficient wallet balance') {
            echo "Please add funds to your wallet";
        }
    }
} catch (MangoPay\Libraries\Exception $e) {
    echo "SDK Error: " . $e->GetMessage();
}

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Next Steps

Card Payments

Learn more about card payment integration

Webhooks

Set up webhooks for payment notifications

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