> ## 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.

# Transfers

> Collect from a payer and disburse to a recipient in a two-leg transfer flow.

Transfers are two-legged. Bumxpress first collects from the payer, then disburses to the recipient.

## Flow

<Steps>
  <Step title="Create a transfer quote">
    Use `POST /quotes/transfer` with the source and destination operators, amount, and currencies.
  </Step>

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

  <Step title="Track both legs">
    Read transfer status from webhooks or `GET /transfers/{transfer_id}`.
  </Step>
</Steps>

## Quote fields

| Field                     | Required                         | Description                                 |
| ------------------------- | -------------------------------- | ------------------------------------------- |
| `payer_operator_code`     | Yes                              | Source-side operator for collection.        |
| `recipient_operator_code` | Yes                              | Destination-side operator for disbursement. |
| `payin_amount`            | Yes, unless quoting fixed payout | Amount collected from payer.                |
| `payin_currency`          | Yes                              | Source-side currency.                       |
| `payout_currency`         | Yes                              | Destination-side currency.                  |
| `payout_amount`           | No                               | Optional fixed payout amount.               |

Your merchant account must have an active transfer corridor configured before transfer quotes succeed.