/home/user1/public_html/subdomain/user/transfer

/home/user1/public_html/subdomain/

subdomain > user > transfer

index.php and also a .htaccess

RewriteEngine On
RewriteRule ^transfer/(.*) /transfer/index.php-action=$1 [R=302,L]

http://subdomain.mywebsite.com/user/transfer/cash
http://subdomain.mywebsite.com/user/transfer/credit
http://subdomain.mywebsite.com/user/transfer/AnyWord

http://subdomain.mywebsite.com/user/transfer/index.php?action=cash
http://subdomain.mywebsite.com/user/transfer/index.php?action=credit
http://subdomain.mywebsite.com/user/transfer/index.php?action=AnyWord

Not Found

The requested URL /user/transfer/cash was not found on this server.

Additionally, a 404 Not Found error was encountered while trying to use an ErrorDocument to handle the request.