Register a bank account for local or international payouts.

<Warning icon="fa-regular fa-triangle-exclamation"> **Caution – Fetch schema and validate data before creation**

Before using this endpoint to register a Recipient for a user, for the given currency, payout method, and recipient type combination, always:

• Fetch the schema dynamically using GET View the schema for a Recipient
• Check that the user's data is valid using POST Validate data for a Recipient </Warning>

<Note icon="fa-regular fa-circle-info"> **Note – SCA triggered by this endpoint**

Registering a bank account as a Recipient always requires the user to authenticate using SCA on a Mangopay-hosted webpage, unless your platform is using a proxy and user consent.

To let the user complete the SCA session, your platform needs to retrieve the returned PendingUserAction.RedirectUrl, add an encoded returnUrl query parameter, and redirect the user. Read more about how to redirect them in the SCA session guide.

If SCA is not successfully completed, the Recipient Status becomes CANCELED and you need to create a new Recipient to try again.

In Sandbox, you can bypass SCA by including the word accept in the Email value of the Natural User or the LegalRepresentative.Email value of the Legal User – for example accept@example.com or john.doe+accept@example.com.

</Note>

Recipient creation is asynchronous, meaning that this endpoint returns the Status as PENDING regardless of whether SCA is required (when RecipientScope is PAYOUT) or not. In all cases, your integration should rely on the RECIPIENT_ACTIVE webhook to know when the recipient is ACTIVE.

Verification of Payee (VOP) impacts SEPA local schemes, which means Recipients with Currency value EUR and PayoutMethodType value LocalBankTransfer. Read more →