ResourcesError handlingError codes

002704

Error messageUsers in PENDING_USER_ACTION status cannot create transfers
DescriptionThe transfer failed because the user’s UserStatus was PENDING_USER_ACTION.
Categories
Transfer

Causes

Note – Error no longer occurs

In mid-September 2025 the transfer restriction on users in PENDING_USER_ACTION status was lifted, meaning that this error no longer occurs. For more information, see the Pending user action guide section.

This error occurred on the POST Create a Transfer endpoint if the AuthorId or the owner of the DebitedWalletId has the UserStatus of PENDING_USER_ACTION.

This error could occur regardless of the ScaContext value sent in the request.

What to do

The PENDING_USER_ACTION value indicates that the user needs to enroll in SCA. To retrieve a new SCA redirection link for them, call the POST Enroll a User endpoint.

Example

Example API response to POST Create a Transfer:

1{
2    "ScaContext": "USER_PRESENT",
3    "Id": "xfer_c_01K1TKMC8GTPZBH5XRR4AACGRX",
4    "CreationDate": 1754313404,
5    "DebitedWalletId": "wlt_m_01K1TKESVW6HTYQJGTCE5HYNE1",
6    "CreditedWalletId": "wlt_m_01K076S3GG60GNZAR2GP34AXHK",
7    "AuthorId": "user_m_01K1TKE1Y8DZ94A6MT0062F920",
8    "CreditedUserId": "user_m_01K076MX89HG1E64VAVM17DRKY",
9    "DebitedFunds": {
10        "Currency": "EUR",
11        "Amount": 3001
12    },
13    "CreditedFunds": {
14        "Currency": "EUR",
15        "Amount": 3001
16    },
17    "Fees": {
18        "Currency": "EUR",
19        "Amount": 0
20    },
21    "Type": "TRANSFER",
22    "Nature": "REGULAR",
23    "Status": "FAILED",
24    "Tag": "Created using Mangopay API Postman Collection",
25    "ResultCode": "002704",
26    "ResultMessage": "Users in PENDING_USER_ACTION status cannot create transfers",
27    "ExecutionDate": null,
28    "PendingUserAction": null
29}