> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.mangopay.com/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.mangopay.com/_mcp/server.

# API - Jul 23, 2025

## Changed

### Actions refused if `UserStatus` is `PENDING_USER_ACTION`

The `PENDING_USER_ACTION` value for `UserStatus` indicates that the newly created `OWNER` user has not enrolled in SCA.

The list of actions refused to these users has been refined to include only those impacted by SCA:

* Recipient or bank account registration
* Payout requests (conditional on SCA being done on recipients)
* Transfers debiting their wallet
* Wallet access requests

For the full list of actions and associated endpoints, see the [Pending user action – Refused actions](/guides/sca/users#refused-actions) guide section.

To change a user's `UserStatus` from `PENDING_USER_ACTION` to `ACTIVE`, and thus unblock these actions, use [POST Enroll a User in SCA](/api-reference/users/enroll-user) to retrieve a new SCA session for them to enroll.

## Added

### Transfer error 002704 if `UserStatus` is `PENDING_USER_ACTION`

The following ResultCode and message have been added on transfers:

* [002704](/errors/codes/002704) – Users in PENDING\_USER\_ACTION status cannot create transfers

This error occurs on a transfer if the `AuthorId` or the owner of the `DebitedWalletId` has the `UserStatus` of `PENDING_USER_ACTION`, because they have not enrolled in SCA.