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# 007102

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

      <td class="table-content">
        Transfer authentication expired. Please initiate a new request.
      </td>
    </tr>

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

      <td class="table-content">
        The user did not complete all steps required within 10 minutes, so the SCA session expired.
      </td>
    </tr>

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

      <td class="table-content">
        Transfers

        \


        SCA
      </td>
    </tr>
  </tbody>
</table>

#### Causes

This error occurs when a transfer is attempted and SCA is required, but the SCA session is not completed within 10 minutes.

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](/guides/sca/transfers).

If the SCA session expires, the Transfer's `Status` changes from `CREATED` to `FAILED`.

#### What to do

In this scenario, you can retry the Transfer to generate a new SCA session that the user can authenticate. The `PendingUserAction.RedirectUrl` has a validity of 10 minutes from when it is returned, so you need to redirect the user immediately to complete the session.

Ensure your integration relies on [transfer webhooks](/webhooks/event-types#transfers) to know the outcome of SCA.

#### Example

Example of the failed transfer retrieve using [GET View a Transfer](/api-reference/transfers/view-transfer):

```json
{
    "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": "007102",
    "ResultMessage": "Transfer authentication expired. Please initiate a new request.",
    "ExecutionDate": null,
    "PendingUserAction": null
}
```