To simplify payment by bank transfer via Mangopay, our payment partner, each member whose account currency is in Euro has been assigned a personal sub-IBAN. This corresponds to an extension of the main IBAN of the Mangopay bank account. This sub-IBAN is to be considered as a structured communication allowing Mangopay to identify each Delcampe member making a transfer.
Thanks to this sub-IBAN, you can easily pay your seller by using this sub-IBAN and a reference linked to the received payment request. We will explain this process in more detail later.
This article covers the following topics:
- Why was a sub-IBAN created?
- Whose name is the sub-IBAN under?
- Why do I see my sub-IBAN when I want to pay a seller by bank transfer?
- I'm being asked to credit a French sub-IBAN when neither my seller nor I are French, is this normal?
Why has a sub-IBAN been created?
The sub-IBAN has been created to facilitate the payment of your transactions on Delcampe. It is exclusively intended for this purpose.
In the past, paying by bank transfer required members to follow a process that was time‑consuming and prone to errors. We therefore looked for a simpler and faster solution for our members.
Thanks to the sub‑IBAN assigned to you, you can easily pay your seller using the same account number. You only need to make sure to enter the correct amount to be paid and the payment reference associated with the payment request.
Whose name is the sub-IBAN under?
Your sub-IBAN is registered under the name Mangopay. Please always indicate the beneficiary indicated in your payment request.
It's also important to note that you don't have to declare it to the tax authorities. In fact, this sub-IBAN is specifically created to facilitate your payments on our site. our site. It should only be used for your transactions on the Delcampe website.
Why do I see my sub-IBAN when I want to pay a seller by bank transfer?
In January 2024, we made changes to the site, making it impossible for our buyers to issue direct payments by bank transfer to the seller's personal bank account.
For some time thereafter, if you wished to pay for a purchase by bank transfer, the only option was to credit your balance first then use this balance to pay for your purchases. As this process made the payment more complex we looked for a simpler solution. The sub-IBAN is part of this solution.
Each payment request is now associated with a single-use, multi-digit code. visible if you tick “bank transfer” at the payment stage. When you make a bank transfer to your sub-IBAN and include this unique code in the communication, Mangopay can make the link between the payment and the payment request you wished to pay. As a result, the sum is transferred directly to the seller as soon as the payment is processed by Mangopay and the payment icons are checked. You don't need to do anything else - the the seller is paid.
To find out how to pay for your purchase by bank transfer, please refer to the to consult our Help Center article “I've made a purchase, I'd like to pay by bank transfer. How do I do this?”
I've been asked to credit a French sub-IBAN, even though neither I nor my seller are French. Is this normal?
This is perfectly normal. The sub-IBAN assigned to you is an extension of the main extension of the main IBAN of the Mangopay bank account. As this account is French, all sub-IBANs are in this format.