This specific 104 error points to an app-type and scope mismatch. A Zoom engineer confirmed in a near-identical S2S case that this endpoint does not work with Server-to-Server OAuth because S2S has no associated compatible scope. Instead create a General App and use Zoom’s authorization-code OAuth flow. The clearest supported path is a user-managed app with docs:read:export authorized by the document owner. For account-wide unattended access, use an admin-managed General App or request explicit S2S support from Zoom, since there is no documented feature flag that enables this endpoint for account_credentials tokens.
For an alternative way to capture and process meeting content, Recall.ai’s Meeting Bot API handles the meeting ingestion layer.