> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mangopay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 002704

> <small>&#8249; [All error codes](/errors/codes#user-category)</small>

<table>
  <tbody>
    <tr>
      <th class="header"><strong>Error message</strong></th>
      <td class="table-content">Users in PENDING\_USER\_ACTION status cannot create transfers</td>
    </tr>

    <tr>
      <th class="header"><strong>Description</strong></th>
      <td class="table-content">The transfer failed because the user's `UserStatus` was `PENDING_USER_ACTION`.</td>
    </tr>

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

      <td class="table-content">
        <div class="label">Transfer</div>
      </td>
    </tr>
  </tbody>
</table>

#### Causes

<Note>
  **Note – Error no longer occurs**

  In mid-September 2025 the transfer restriction on users in  `PENDING_USER_ACTION` status was lifted, meaning that this error no longer occurs. For more information, see the [Pending user action](/guides/sca/users#pending-user-action) guide section.
</Note>

This error occurred on the [POST Create a Transfer](/api-reference/transfers/create-transfer) endpoint if the `AuthorId` or the owner of the `DebitedWalletId` has the `UserStatus` of `PENDING_USER_ACTION`.

This error could occur regardless of the `ScaContext` value sent in the request.

#### What to do

The `PENDING_USER_ACTION` value indicates that the user needs to enroll in SCA. To retrieve a new SCA redirection link for them, call the [POST Enroll a User](/api-reference/users/enroll-user) endpoint.

#### Example

Example API response to [POST Create a Transfer](/api-reference/transfers/create-transfer):

```json theme={null}
{
    "ScaContext": "USER_PRESENT",
    "Id": "xfer_c_01K1TKMC8GTPZBH5XRR4AACGRX",
    "CreationDate": 1754313404,
    "DebitedWalletId": "wlt_m_01K1TKESVW6HTYQJGTCE5HYNE1",
    "CreditedWalletId": "wlt_m_01K076S3GG60GNZAR2GP34AXHK",
    "AuthorId": "user_m_01K1TKE1Y8DZ94A6MT0062F920",
    "CreditedUserId": "user_m_01K076MX89HG1E64VAVM17DRKY",
    "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": "002704",
    "ResultMessage": "Users in PENDING_USER_ACTION status cannot create transfers",
    "ExecutionDate": null,
    "PendingUserAction": null
}
```