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The error message is referring to the connected account’s capabilities[1]. As the error says, you need to get the account enabled for transfers
to be able to designate it as the destination for a destination charge.
To fix this, you can request this capability for the account if it has not been already[2] and direct your user to fill out the required info through stripe’s onboarding. You may also request capabilities when creating your accounts if you know they will be needed[3] in which case collecting data for them will be part of the initial onboarding flow.
[1] https://stripe.com/docs/connect/account-capabilities#transfers
[2] https://stripe.com/docs/connect/account-capabilities#requesting-unrequesting
[3] https://stripe.com/docs/connect/account-capabilities#creating
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