Welcome to Mipise Payment Services Documentation

Welcome to the official documentation of Mipise Payment Services (MPS), a complete and EU-compliant payment solution designed to simplify the integration of financial services into your platforms.

Whether you are developing a crowdfunding platform or an innovative financial service, MPS provides the tools you need to:

Manage user identity and compliance (KYC/KYB, AML/CFT).
Create and manage payment accounts.
Initiate and track transactions (transfers, direct debits, card payments).
Ensure data security and compliance with PCI DSS / PSD2.

Why Mipise Payment Services?

Documented Modern REST API: Fast, flexible integration compatible with most programming languages.
Built-in regulatory compliance: GDPR, PCI DSS, PSD2, and french Prudential Supervision and Resolution Authority (ACPR).
Flexible environments: Sandbox for testing, secured Production environment.
Developer support: step-by-step guides, code examples, and technical assistance.

How to Use This Documentation

This documentation is structured to guide you from initial integration to production release:

Getting Started

Understanding the MPS architecture
Creating your API keys & accessing the Sandbox

Authentication & Security

Access tokens management
Strong Customer Authentication (SCA, 2FA, 3DS)

User Management

KYC / KYB processes
Creating and updating accounts
Document verification

Pay Ins & Pay Outs Management

Card payments and bank transfer
SEPA Direct Debits (SDD)
Handling failed payments

Supervision & Reporting

Real-time transaction monitoring
Bank reconciliation & activity logs

Glossary

2FA (Two-Factor Authentication)

A security mechanism requiring two distinct factors to verify a user’s identity (e.g., password + SMS code).

3D-Secure (3DS)

Online card payment authentication protocol to reduce fraud (e.g., "Verified by Visa", "Mastercard Identity Check").

ACPR (Autorité de Contrôle Prudentiel et de Résolution)

French supervisory authority for banking and insurance, under the Banque de France (the french central bank).

Acquirer

A payment service provider processing card payments on behalf of merchants.

IP Address

Unique digital identifier assigned to a device connected to a network.

Whitelisted IP Address

IP explicitly allowed to access a system or API.

Agent

A person or entity acting on behalf of a licensed payment service provider.

API (Application Programming Interface)

Interface allowing applications to communicate with each other.

REST API

API type using HTTP protocol and REST principles (Representational State Transfer).

Sandbox

Isolated test environment to develop or validate integrations without real data.

CB Card (Carte Bancaire)

French-issued bank card payment method.

Card Descriptor

Name displayed on the cardholder’s bank statement for a card transaction.

Payment Account

An account with a payment service provider used to carry out payment operations.

Technical Account

Internal account used for technical flows or intermediate operations.

Crowdfunding

Funding method where individuals or companies collectively finance a project.

Pay In

Operation where funds are credited to an account.

Pay Out

Operation where funds are debited from an account.

IBAN (International Bank Account Number)

Standardized international bank account number.

Integration

Technical process of implementing a payment solution or API.

Changelog

Documented history of changes made to a system or product.

KYB (Know Your Business)

Identity and compliance verification process for business clients.

KYC (Know Your Customer)

Identity and compliance verification process for individual clients.

AML/CFT (Anti-Money Laundering / Counter Financing of Terrorism)

Regulations preventing money laundering and illicit financing.

SEPA Direct Debit Mandate (SDD Mandate)

Authorization given by a customer to a creditor for recurring SEPA debits.

Environment Name

Designation of the computing environment (e.g., sandbox, test, production).

PCI DSS (Payment Card Industry Data Security Standard)

International security standard for handling card payment data.

PISP (Payment Initiation Service Provider)

Provider offering payment initiation services, regulated under PSD2.

Escrow Account

Segregated account keeping client funds separate from company funds.

Production

Live environment where operations are executed with real data.

PSD2 (Payment Services Directive 2)

European directive regulating payment services and strengthening security.

PSP (Payment Service Provider)

Entity providing payment services.

P2P (Peer-to-Peer)

Direct payment between two individuals without a traditional banking intermediary.

Bank Reconciliation

Process of matching accounting records with bank statements.

Rolling Reserve

Funds withheld by a PSP to cover potential chargebacks or disputes.

Rebilling

Re-invoicing of fees or services to a third party.

Chargeback

Payment reversal initiated by the issuer following a dispute from the cardholder.

GDPR (General Data Protection Regulation)

EU regulation on the protection of personal data.

RTS (Regulatory Technical Standards)

Technical standards issued by EU authorities.

SCA (Strong Customer Authentication)

Strong authentication required by PSD2 for certain operations.

SDD (SEPA Direct Debit)

European system for automatic bank debits.

Segregation

Separation of client funds from company funds, as required by regulation.

Dashboard (Backoffice)

Internal management interface to administer and monitor operations.

Access Token

Digital key used to securely access an API or system.