> ## 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.

# Payins

> Collect money from customers with a quote-backed payin.

Payins are asynchronous. `POST /payins` returns quickly with a pending resource. Poll `GET /payins/{payin_id}` or wait for a webhook to receive the final status.

## Flow

<Steps>
  <Step title="Create or reuse a customer">
    Create a customer before initiating the collection.
  </Step>

  <Step title="Create a payin quote">
    Use `POST /quotes/payin` with the country, operator, rail type, amount, and currency.
  </Step>

  <Step title="Create the payin">
    Use the active `quote_id` and source details such as phone and operator.
  </Step>

  <Step title="Wait for completion">
    Receive the final status by webhook or `GET /payins/{payin_id}`.
  </Step>
</Steps>

## Mobile money source

```json theme={null}
{
  "quote_id": "33333333-3333-3333-3333-333333333333",
  "customer_id": "22222222-2222-2222-2222-222222222222",
  "source": {
    "country_code": "CM",
    "rail_type": "mobile_money",
    "phone": "+237670000000",
    "operator_code": "CM_MTN_MOMO"
  }
}
```