| Error message | Refused due to user’s UserCategory: PAYER | 
|---|---|
| Description | The action was refused because it is only permitted if the user is an OWNER. | 
| Categories | User category Virtual accounts  | 
Causes
This error occurs when a Payer user requests an action reserved for Owner users (see Categories).What to do
A Payer can become an Owner by:- Providing the necessary information and accepting Mangopay’s terms and conditions
 - Enrolling in SCA For further guidance, see the SCA on users guide.