Disclosed are server features for allowing a client user to defer completion of multi-step user transaction applications (“MUTAs”) and later resume the MUTA. One disclosed feature is providing a selectable deferral action in a page implementing part of the MUTA, e.g., HTML, XML, JavaScript/ECMA Script document. If the client user selects to defer completion, a state object is created by the server and stores state information including information previously entered during the MUTA. The server provides a resumption object to the user including a resource for resuming the deferred MUTA. When the user selects the resource, state information stored in the state object is loaded and the use may complete the remainder of the MUTA. An additionally disclosed aspect is automatic state saving where sate information is stored automatically during multiple steps in the MUTA; the user then need not select deferral.