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# 002704

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

      <td class="table-content">
        Users in PENDING_USER_ACTION status cannot create transfers
      </td>
    </tr>

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

      <td class="table-content">
        The transfer failed because the user's 

        `UserStatus`

         was 

        `PENDING_USER_ACTION`

        .
      </td>
    </tr>

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

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

#### Causes

> **Note**
>
> **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](/guides/sca/users#pending-user-action) guide section.

This error occurred on the [POST Create a Transfer](/api-reference/transfers/create-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](/api-reference/users/enroll-user) endpoint.

#### Example

Example API response to [POST Create a Transfer](/api-reference/transfers/create-transfer):

```json
{
    "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
}
```