Bumxpress Business payment flows are quote-backed and asynchronous.
You first create a quote to lock pricing, routing, fees, FX, and amounts. Then you create the payment resource with that active quote. The create response usually returns a pending status, while the final status arrives later through webhooks or a GET endpoint.
Single-leg payin or payout
Two-leg transfer
Transfers collect from a payer first and then disburse to a recipient. Use transfer quotes for cross-border or local two-leg flows where both legs must be tracked together.
Important behaviors
- Quotes are valid for 15 minutes.
- Payins, payouts, and transfers are asynchronous.
- Final status should be reconciled through webhooks or
GET endpoints.
- Write requests require
Idempotency-Key unless the endpoint documentation says otherwise.
- Operator and corridor availability depends on your merchant account routing.
Last modified on July 8, 2026
