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# 121018

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

      <td class="table-content">
        This payout uses a non-SCA compliant bank account. Please create via the recipient endpoint and try again.
      </td>
    </tr>

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

      <td class="table-content">
        The payout failed because the linked Bank Account object was created after April 30, 2026.
      </td>
    </tr>

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

      <td class="table-content">
        Payout

        \


        Bank account

        \


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

### Causes

This error occurs when a payout's `BankAccountId` references an object created via a [POST Create a Bank Account](/api-reference/bank-accounts/create-iban-bank-account) endpoint after April 30, 2026.

From this date, external accounts must be registered using the [Recipient endpoints](/api-reference/recipients/recipient-object) and authenticated using SCA.

### 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](/guides/sca/recipients#how-to-register-a-recipient-for-payouts) guide for details on these steps.
2. Register the external account using the [POST Create a Recipient](/api-reference/recipients/create-recipient) endpoint, redirecting the user on the `PendingUserAction.RedirectUrl` to authenticate via SCA – see the [SCA redirection](/guides/sca/session) guide for details.
3. Retry the payout request using the `Id` of the Recipient in the `RecipientId` (or `BankAccountId`) property.

#### Example

In the example below, a payout was attempted using a non-SCA-compliant bank account.

**`Payout API Response`**

```json 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
}
```