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# 002701

<table>
  <tbody>
    <tr>
      <th class="header">
        Error message
      </th>

      <td class="table-content">
        Users with category PAYER cannot make transfers to other users with category PAYER.
      </td>
    </tr>

    <tr>
      <th class="header">
        Description
      </th>

      <td class="table-content">
        The action was refused because the user is a Payer, not an Owner.
      </td>
    </tr>

    <tr>
      <th class="header">
        Categories
      </th>

      <td class="table-content">
        Transfer
      </td>
    </tr>
  </tbody>
</table>

#### Causes

This error occurs when a Payer user requests an action reserved for Owner users.

For more information on the actions permitted for Payers and Owners, see the [Categories](/guides/users/categories) article.

#### What to do

A Payer can become an Owner by providing the necessary information, enrolling in Mangopay's hosted SCA, and accepting Mangopay's terms and conditions. For further guidance, see the [Categories](/guides/users/categories) article.