Error messageTransfer authentication failed. Please retry with a new request.
DescriptionThe user reached the maximum number of retries for one of the authentication factors, so the SCA session failed.
Categories

Transfers

SCA

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Causes

This error occurs when a transfer is attempted and SCA is required, but the SCA session fails because the user has unsuccessfully attempted to authenticate a factor too many times.

SCA is required on Transfers between two users with the UserCategory of OWNER. On existing integrations, this is indicated by setting ScaContext to USER_PRESENT in the request. Read more about SCA on transfers.

If the SCA session fails, the Transfer’s Status changes from CREATED to FAILED.

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What to do

In this scenario, you can retry the Transfer to generate a new SCA session that the user can authenticate. If the user needs to reset one of their factors, they have this option during the session. Read more about SCA factors.

Ensure your integration relies on transfer webhooks to know the outcome of SCA.

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Example

Example of the failed transfer retrieve using GET View a Transfer:

{
    "Id": "xfer_c_01JRSHQFG2337DBQ4NS8XPYCK7",
    "CreationDate": 1744614179,
    "DebitedWalletId": "wlt_m_01JRJM7ASZN7YP4MBDVBT0HZF1",
    "CreditedWalletId": "wlt_m_01JRHSTW2NP4MDB45WQMDNS23C",
    "AuthorId": "user_m_01JRJM5RR5NYQDN0S6QWJJDRMR",
    "CreditedUserId": "user_m_01JRHSS3B18H86QA0C467RVK07",
    "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": "007101",
    "ResultMessage": "Transfer authentication failed. Please retry with a new request.",
    "ExecutionDate": null,
    "PendingUserAction": null
}