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# 002703

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

      <td class="table-content">
        Refused due to user’s UserCategory: PAYER
      </td>
    </tr>

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

      <td class="table-content">
        The action was refused because it is only permitted if the user is an OWNER.
      </td>
    </tr>

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

      <td class="table-content">
        User category

        Virtual accounts
      </td>
    </tr>
  </tbody>
</table>

#### Causes

This error occurs when a Payer user requests an action reserved for Owner users (see [Categories](/guides/users/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](/guides/sca/users) guide.

In the case of user-owned virtual accounts, the user must also be KYC verified. See the [virtual accounts](/guides/payment-methods/banking/virtual-iban) guide for more details.