Cross-border transfer

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

Create a transfer quote

curl -X POST "https://api.business.saapay.cm/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"
  }'

Create the transfer

Submit the active quote ID with payer and recipient details.

Track status

Store the transfer ID and listen for webhook updates.

Last modified on September 22, 2026

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