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Error messageThis payout uses a non-SCA compliant bank account. Please create via the recipient endpoint and try again.
DescriptionThe payout failed because the linked Bank Account object was created after April 30, 2026.
Categories
Payout

Bank account

SCA

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Causes

This error occurs when a payout’s BankAccountId references an object created via a POST Create a Bank Account endpoint after April 30, 2026. From this date, external accounts must be registered using the Recipient endpoints and authenticated using SCA.

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What to do

Your platform needs to register the external account using the Recipients endpoint, which requires the user to authenticate the action via Mangopay’s hosted SCA session. To resolve this error:
  1. Strongly recommended: Retrieve the expected schema of the external account and validate the user’s data against it – see the Recipients guide for details on these steps.
  2. Register the external account using the POST Create a Recipient endpoint, redirecting the user on the PendingUserAction.RedirectUrl to authenticate via SCA – see the SCA redirection guide for details.
  3. Retry the payout request using the Id of the Recipient in the RecipientId (or BankAccountId) property.

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Example

In the example below, a payout was attempted using a non-SCA-compliant bank account.
Payout API Response
{
    "Id": "po_b_01EXAMPLE123456789",
    "Tag": "Created using Mangopay API",
    "CreationDate": 1739868342,
    "AuthorId": "user_m_01EXAMPLE123456789",
    "CreditedUserId": null,
    "DebitedFunds": {
        "Currency": "EUR",
        "Amount": 1000
    },
    "CreditedFunds": {
        "Currency": "EUR",
        "Amount": 990
    },
    "Fees": {
        "Currency": "EUR",
        "Amount": 10
    },
    "Status": "FAILED",
    "ResultCode": "121018",
    "ResultMessage": "This payout uses a non-SCA compliant bank account. Please create via the recipient endpoint and try again.",
    "ExecutionDate": null,
    "Type": "PAYOUT",
    "Nature": "REGULAR",
    "CreditedWalletId": null,
    "DebitedWalletId": "wlt_m_01EXAMPLE123456789",
    "PaymentType": "BANK_WIRE",
    "BankAccountId": "bankacc_m_01EXAMPLE123456789",
    "BankWireRef": "Example123",
    "ModeRequested": null,
    "ModeApplied": "STANDARD",
    "FallbackReason": null,
    "EndToEndId": "ba3d947cc1714d62ab33798d8ce12a71",
    "PaymentRef": null
}