> ## 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.

# Payouts

> Send money to recipients with quote-backed payouts.

Payouts are asynchronous. `POST /payouts` creates the payout and returns a pending resource. Poll `GET /payouts/{payout_id}` or wait for a webhook to receive the final status.

## Flow

<Steps>
  <Step title="Create a payout quote">
    Use `POST /quotes/payout` to lock pricing and routing.
  </Step>

  <Step title="Create the payout">
    Use the active `quote_id` and recipient details.
  </Step>

  <Step title="Track status">
    Store the payout ID and wait for the webhook or poll the payout endpoint.
  </Step>
</Steps>

## Mobile money recipient

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