002704 | Mangopay docs

Error message	Users in PENDING_USER_ACTION status cannot create transfers
Description	The 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:

{
    "ScaContext": "USER_PRESENT",
    "Id": "xfer_c_01K1TKMC8GTPZBH5XRR4AACGRX",
    "CreationDate": 1754313404,
    "DebitedWalletId": "wlt_m_01K1TKESVW6HTYQJGTCE5HYNE1",
    "CreditedWalletId": "wlt_m_01K076S3GG60GNZAR2GP34AXHK",
    "AuthorId": "user_m_01K1TKE1Y8DZ94A6MT0062F920",
    "CreditedUserId": "user_m_01K076MX89HG1E64VAVM17DRKY",
    "DebitedFunds": {
        "Currency": "EUR",
        "Amount": 3001
    },
    "CreditedFunds": {
        "Currency": "EUR",
        "Amount": 3001
    },
    "Fees": {
        "Currency": "EUR",
        "Amount": 0
    },
    "Type": "TRANSFER",
    "Nature": "REGULAR",
    "Status": "FAILED",
    "Tag": "Created using Mangopay API Postman Collection",
    "ResultCode": "002704",
    "ResultMessage": "Users in PENDING_USER_ACTION status cannot create transfers",
    "ExecutionDate": null,
    "PendingUserAction": null
}