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# API - Apr 22, 2026

## Added

### Payouts error 121018 for Bank Account objects created after April 30, 2026

Bank Account objects created via a [POST Create a Bank Account](/api-reference/bank-accounts/bank-account-object) endpoint after April 30, 2026, will not be usable for payouts.

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

If a payout request references a Bank Account created after April 30, 2026, the payout will fail with the following `ResultCode` and `ResultMessage`:

* [121018](/errors/codes/121018) – This payout uses a non-SCA compliant bank account. Please create via the recipient endpoint and try again.

This error will occur when a payout's `BankAccountId` references a Bank Account object that was created via a POST Create a Bank Account endpoint after April 30, 2026.

To resolve the error, your platform needs to register the external account using the [POST Create a Recipient](/api-reference/recipients/create-recipient) endpoint. This endpoint requires you to redirect the user to authenticate the action via Mangopay's hosted SCA session (see [recipients](/guides/sca/recipients) guide for details).

Once successfully registered, the `RecipientId` can be used to retry the payout.