Error messageTransfer authentication expired. Please initiate a new request.
DescriptionThe user did not complete all steps required within 10 minutes, so the SCA session expired.
Categories
Transfers

SCA

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Causes

This error occurs when a transfer is attempted and SCA is required, but the SCA session is not completed within 10 minutes. SCA is required on Transfers between two users with the UserCategory of OWNER. On existing integrations, this is indicated by setting ScaContext to USER_PRESENT in the request. Read more about SCA on transfers. If the SCA session expires, the Transfer’s Status changes from CREATED to FAILED.

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What to do

In this scenario, you can retry the Transfer to generate a new SCA session that the user can authenticate. The PendingUserAction.RedirectUrl has a validity of 10 minutes from when it is returned, so you need to redirect the user immediately to complete the session. Ensure your integration relies on transfer webhooks to know the outcome of SCA.

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Example

Example of the failed transfer retrieve using GET View a Transfer: 
{
    "Id": "xfer_c_01JRSHQFG2337DBQ4NS8XPYCK7",
    "CreationDate": 1744614179,
    "DebitedWalletId": "wlt_m_01JRJM7ASZN7YP4MBDVBT0HZF1",
    "CreditedWalletId": "wlt_m_01JRHSTW2NP4MDB45WQMDNS23C",
    "AuthorId": "user_m_01JRJM5RR5NYQDN0S6QWJJDRMR",
    "CreditedUserId": "user_m_01JRHSS3B18H86QA0C467RVK07",
    "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": "007102",
    "ResultMessage": "Transfer authentication expired. Please initiate a new request.",
    "ExecutionDate": null,
    "PendingUserAction": null
}