-- HikaShop version -- : 2.6.4
-- HikaMarket version -- : 1.7.2
-- Joomla version -- : 3.6.4
-- PHP version -- : 5.6
Hi Jerome and team,
Mangopay is an excellent Payment Gateway for marketplaces where adaptive payments are required and hence it goes together very well with your HikaMarket-Multivendor product. You know that already and that's why you developed these plugins ( Hikashop Payment and Hikamarket ). It is especially cool the front end HikaMarket implementation where each vendor can manage their Mangopay wallet and account directly from the HikaMarket front end.
However I understand you developed these plugins some time ago and the Mangopay platform has moved on since then. Even though your code works well, it is NOT implementing correctly the concepts that Mangopay proposes today.
It is important you understand that Mangopay is a financial institution and has a set of legal obligations related to their license as an electronic money issuer, which are necessary in order to fight fraud, money laundering and financing of terrorism. So the information our application (Joomla+Hikashop) provides per transaction needs to be accurate.
For example, according to Mangopay documentation
docs.mangopay.com/guide/kyc
a Natural User who makes a Payin (i.e. a user who makes a purchase from a vendor in our online marketplace ) needs to provide this info:
Email - Email
First name - FirstName
Last name - LastName
Country of Residence - CountryOfResidence
Birthday - Birthday
Nationality – Nationality
When looking at how the Hikashop Payment plugin creates the user in Mangopay for the buyer we see:
protected function createUser(&$order) {
if(!$this->getAPI())
return false;
$billing_address = $order->cart->billing_address;
$user = new MangoPay\UserNatural();
$user->FirstName = substr($billing_address->address_firstname, 0, 99);
$user->LastName = substr($billing_address->address_lastname, 0, 99);
$user->Email = $order->user->user_email;
$user->Address = substr($billing_address->address_street . ' ' . $billing_address->address_city, 0, 254);
$user->CountryOfResidence = $billing_address->address_country->zone_code_2;
$user->tag = 'hkId:' . (!empty($order->order_user_id) ? $order->order_user_id : @$order->user->user_id);
$user->Nationality = $billing_address->address_country->zone_code_2;
$user->Birthday = time();
This code is assuming that both the Nationality and the Country of Residence of the buyer are the same and takes it from the Country in the Billing Address. And the nationality of the buyer in many cases will be different from the country he/she lives.
Another problem is the Birthday. Your code is just using the day that the purchase is being made which has nothing to do with the buyer's birthday.
Recording wrong information in Mangopay puts us as a Marketplace and our Vendors in a very weak position if the customer files a dispute for the payment. And what is worse, we would NOT be complying with Mangopay terms and conditions.
Another big problem I see is that you guys seem to be using version 1.6 of the SDK which supports MangoPay API v2 but does NOT support the current API v2.01. As per
docs.mangopay.com/blog/new-api-version-v201
, the API v2.01 is available from July 2015 and it is mandatory from 15th September 2015 to be able to do PayOuts to bank accounts in the United States or Canada. So that means the current implementation CANNOT support vendors who live in the US or Canada - in my business case the majority of vendors are in the US.
Another huge limitation is the fact that your code assumes that ALL vendors are registered as Legal Entities ( Sole Trader, Business or Organization ):
protected function createVendor(&$vendor) {
if(empty($this->api))
$this->getAPI();
$user = new MangoPay\UserLegal();
$user->Name = $vendor->vendor_name;
$user->LegalPersonType = 'BUSINESS';
$user->Email = $vendor->vendor_email;
$user->HeadquartersAddress = substr($vendor->vendor_address_street . ' ' . $vendor->vendor_address_city, 0, 254);
$user->tag = 'hkVendorId:'.$vendor->vendor_id;
An online market place is normally used by people who are just starting to sell online and need to be able to do it as a physical person (i.e. Mangopay Natural Person). Once they are big enough to register as a Business probably they will build their own online shop and will not need to use a marketplace any more. In my business case 80% of the vendors are not registered as a Legal Entity hence I cannot support them with the current implementation of the Mangopay plugins.
Please do not take this post as a negative critic. I really like Hikashop/HikaMarket and I think it makes a great combination with Mangopay. I'm just highlighting with clear examples why this combined solution does not work in practice today and why we need a new version of the Mangopay plugins which can support today's business cases.
It is a great opportunity for the Hikashop/HikaMarket team to shine again. Are you up for the challenge? Could you provide a time estimation about when a new version could be ready?
Many thanks!
HIKASHOP ESSENTIAL 60€The basic version. With the main features for a little shop.
HIKAMARKETAdd-on Create a multivendor platform. Enable many vendors on your website.
HIKASERIALAdd-on Sale e-tickets, vouchers, gift certificates, serial numbers and more!
MARKETPLACEPlugins, modules and other kinds of integrations for HikaShop
