> ## Documentation Index
> Fetch the complete documentation index at: https://developers.bumxpress.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Create transfer quote

> Create a quote for a two-leg transfer flow.

Use transfer quotes for flows that collect from a payer and disburse to a recipient.


## OpenAPI

````yaml POST /quotes/transfer
openapi: 3.0.3
info:
  title: Bumxpress Business Merchant API
  version: 1.0.0
  description: >
    Merchant API for customers, KYC, quotes, payins, payouts, transfers, and
    webhooks.

    All merchant resources are scoped to the merchant attached to the API key.
  license:
    name: Proprietary
    url: https://business.bumxpress.com
servers:
  - url: https://api.business.bumxpress.com
    description: Production
security:
  - ApiKeyAuth: []
    ApiSecretAuth: []
tags:
  - name: Customers
    description: Create and retrieve merchant-scoped customer records.
  - name: Customer KYC
    description: Submit and retrieve customer identity document status.
  - name: Quotes
    description: Create and retrieve pricing and routing quotes.
  - name: Payins
    description: Create and retrieve payment collection resources.
  - name: Payouts
    description: Create and retrieve disbursement resources.
  - name: Transfers
    description: Create, retrieve, and relaunch two-leg transfer resources.
paths:
  /quotes/transfer:
    post:
      tags:
        - Quotes
      summary: Create transfer quote
      description: >-
        Create a quote for a two-leg flow that collects from a payer and
        disburses to a recipient.
      operationId: createTransferQuote
      parameters:
        - $ref: '#/components/parameters/IdempotencyKey'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreateTransferQuoteRequest'
      responses:
        '201':
          description: Transfer quote created.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Quote'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '409':
          $ref: '#/components/responses/Conflict'
components:
  parameters:
    IdempotencyKey:
      name: Idempotency-Key
      in: header
      required: true
      description: >-
        Unique key for this business intent. Reuse only when retrying the same
        request body.
      schema:
        type: string
      example: payin_2026_06_08_0001
  schemas:
    CreateTransferQuoteRequest:
      type: object
      required:
        - corridor_code
        - payer_operator_code
        - recipient_operator_code
        - payout_currency
      properties:
        customer_id:
          type: string
          format: uuid
        corridor_code:
          type: string
          example: CM-CI-XAF-XOF
        payer_operator_code:
          type: string
          example: CM_MTN_MOMO
        recipient_operator_code:
          type: string
          example: CI_ORANGE_MOMO
        payin_amount:
          $ref: '#/components/schemas/DecimalString'
        payin_currency:
          $ref: '#/components/schemas/CurrencyCode'
        payout_amount:
          $ref: '#/components/schemas/DecimalString'
        payout_currency:
          $ref: '#/components/schemas/CurrencyCode'
        send_amount:
          $ref: '#/components/schemas/DecimalString'
        send_currency:
          $ref: '#/components/schemas/CurrencyCode'
      example:
        customer_id: 22222222-2222-2222-2222-222222222222
        corridor_code: CM-CI-XAF-XOF
        payer_operator_code: CM_MTN_MOMO
        recipient_operator_code: CI_ORANGE_MOMO
        payin_amount: '100000'
        payin_currency: XAF
        payout_amount: '98500'
        payout_currency: XOF
        send_amount: '100000'
        send_currency: XAF
    Quote:
      type: object
      properties:
        id:
          type: string
          format: uuid
        customer_id:
          type: string
          format: uuid
        flow_type:
          type: string
          enum:
            - payin
            - payout
            - transfer
        status:
          type: string
          enum:
            - active
            - expired
            - consumed
        expires_at:
          type: string
          format: date-time
        send_amount:
          $ref: '#/components/schemas/DecimalString'
        send_currency:
          $ref: '#/components/schemas/CurrencyCode'
        receive_amount:
          $ref: '#/components/schemas/DecimalString'
        receive_currency:
          $ref: '#/components/schemas/CurrencyCode'
        country_code:
          $ref: '#/components/schemas/CountryCode'
        operator_code:
          type: string
        rail_type:
          $ref: '#/components/schemas/RailType'
        corridor_code:
          type: string
        corridor_type:
          type: string
        payer_operator_code:
          type: string
        recipient_operator_code:
          type: string
        total_fee:
          $ref: '#/components/schemas/DecimalString'
        wallet_impact:
          type: object
          additionalProperties: true
        created_at:
          type: string
          format: date-time
        _meta:
          $ref: '#/components/schemas/IdempotencyMeta'
    DecimalString:
      type: string
      pattern: ^[0-9]+(\.[0-9]+)?$
      example: '10000'
    CurrencyCode:
      type: string
      minLength: 3
      maxLength: 3
      example: XAF
    CountryCode:
      type: string
      minLength: 2
      maxLength: 2
      example: CM
    RailType:
      type: string
      enum:
        - mobile_money
        - bank_transfer
    IdempotencyMeta:
      type: object
      properties:
        idempotency_key:
          type: string
        idempotency_replayed:
          type: boolean
    ErrorResponse:
      type: object
      required:
        - error
      properties:
        error:
          type: object
          required:
            - code
            - message
          properties:
            code:
              type: string
              example: bad_request
            message:
              type: string
              example: quote_id is required
  responses:
    BadRequest:
      description: >-
        Invalid body, missing field, expired quote, quote mismatch, or
        insufficient balance.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
    Unauthorized:
      description: Missing, invalid, expired, or inactive API credentials.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
    Conflict:
      description: Idempotency conflict or request with same key still processing.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: X-Api-Key
      description: Public API key from the merchant dashboard.
    ApiSecretAuth:
      type: apiKey
      in: header
      name: X-Api-Secret
      description: Secret shown once when the API key is created.

````