> ## 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.

# Cross-border transfer

> Collect from a payer and disburse to a recipient in another supported market.

Use transfers for two-leg flows where Bumxpress collects from a payer and disburses to a recipient.

<Steps>
  <Step title="Create a transfer quote">
    ```bash theme={null}
    curl -X POST "https://api.business.bumxpress.com/quotes/transfer" \
      -H "Content-Type: application/json" \
      -H "X-Api-Key: bmx_pk_xxx" \
      -H "X-Api-Secret: bmx_sk_xxx" \
      -H "Idempotency-Key: quote_transfer_001" \
      -d '{
        "payer_operator_code": "CM_MTN_MOMO",
        "recipient_operator_code": "CI_ORANGE_MOMO",
        "payin_amount": "100000",
        "payin_currency": "XAF",
        "payout_currency": "XOF"
      }'
    ```
  </Step>

  <Step title="Create the transfer">
    Submit the active quote ID with payer and recipient details.
  </Step>

  <Step title="Track status">
    Store the transfer ID and listen for webhook updates.
  </Step>
</Steps>