Customer Deposits • Busha Developer Documentation

This example shows you how to accept deposits into your Busha account via fiat (temporary bank accounts) or crypto (deposit addresses).

Use Cases

Customer funding their wallet
Accepting payments from users
Processing incoming transfers
Topping up account balances

Fiat Deposit via Temporary Bank Account

Get a Quote for the Deposit

Create a quote to generate a temporary bank account:

    curl -X POST https://api.sandbox.busha.so/v1/quotes \
      -H "Authorization: Bearer YOUR_SECRET_TOKEN" \
      -H "Content-Type: application/json" \
      -d '{
        "source_currency": "NGN",
        "target_currency": "NGN",
        "source_amount": "50000",
        "pay_in": {
          "type": "temporary_bank_account"
        }
      }'

Response:

{
  "status": "success",
  "message": "Created quote successfully",
  "data": {
    "id": "QUO_vxcF2svmjMbxDp4T5dcD8",
    "profile_id": "BUS_tg6yujbZ1nMu5BLQkPGGO",
    "source_currency": "NGN",
    "target_currency": "NGN",
    "source_amount": "50000",
    "target_amount": "49500",
    "rate": {
      "rate": "1",
      "side": "sell",
      "type": "FIXED",
      "source_currency": "NGN",
      "target_currency": "NGN"
    },
    "fees": [
      {
        "amount": {
          "amount": "500",
          "currency": "NGN"
        },
        "name": "payment gateway fee",
        "type": "FIXED"
      }
    ],
    "pay_in": {
      "type": "temporary_bank_account"
    },
    "status": "pending",
    "expires_at": "2025-02-21T10:19:54.40130914Z",
    "created_at": "2025-02-21T10:16:54.40130914Z",
    "updated_at": "2025-02-21T10:16:54.401309215Z"
  }
}

Finalize the Transfer to Get Bank Account Details

Use the quote ID to generate the temporary bank account:

    curl -X POST https://api.sandbox.busha.so/v1/transfers \
      -H "Authorization: Bearer YOUR_SECRET_TOKEN" \
      -H "Content-Type: application/json" \
      -d '{
        "quote_id": "QUO_vxcF2svmjMbxDp4T5dcD8"
      }'

Response:

{
  "status": "success",
  "message": "Created transfer successfully",
  "data": {
    "id": "TRF_LJB2GQb55Cs98LbpqgRMx",
    "profile_id": "BUS_tg6yujbZ1nMu5BLQkPGGO",
    "quote_id": "QUO_vxcF2svmjMbxDp4T5dcD8",
    "source_currency": "NGN",
    "target_currency": "NGN",
    "source_amount": "50000",
    "target_amount": "49500",
    "rate": {
      "rate": "1",
      "side": "sell",
      "type": "FIXED",
      "source_currency": "NGN",
      "target_currency": "NGN"
    },
    "fees": [
      {
        "amount": {
          "amount": "500",
          "currency": "NGN"
        },
        "name": "payment gateway fee",
        "type": "FIXED"
      }
    ],
    "pay_in": {
      "expires_at": "2025-02-21T10:46:56.232278869Z",
      "recipient_details": {
        "account_name": "Payaza(Business 1 Business)",
        "account_number": "7000384620",
        "bank_name": "78 FINANCE COMPANY LIMITED",
        "email": "support@busha.co"
      },
      "type": "temporary_bank_account"
    },
    "status": "pending",
    "created_at": "2025-02-21T10:16:54.40130914Z",
    "updated_at": "2025-02-21T10:16:54.401309215Z"
  }
}

Display Bank Details to Customer

Show the temporary bank account details to your customer:Account Details:

Bank Name: 78 FINANCE COMPANY LIMITED
Account Number: 7000384620
Account Name: Payaza(Business 1 Business)
Amount to Send: 50,000 NGN
Ensure the deposit is received before the quote’s 3-minute validity window ends to honour the quoted rate. Deposits received outside that window are settled at the market rate.

Customer transfers money to this account from their bank app.

Monitor Deposit Status

Check the transfer status to confirm when funds are received:

    curl -X GET https://api.sandbox.busha.so/v1/transfers/TRF_LJB2GQb55Cs98LbpqgRMx \
      -H "Authorization: Bearer YOUR_SECRET_TOKEN"

Possible Statuses:

pending - Awaiting customer’s bank transfer
processing - Funds received, being processed
funds_received - Successfully credited to your balance
cancelled - Transfer cancelled

Crypto Deposit via Address

Get a Quote for Crypto Deposit

Create a quote to generate a crypto deposit address:

    curl -X POST https://api.sandbox.busha.so/v1/quotes \
      -H "Authorization: Bearer YOUR_SECRET_TOKEN" \
      -H "Content-Type: application/json" \
      -d '{
        "source_currency": "USDT",
        "target_currency": "USDT",
        "source_amount": "100",
        "pay_in": {
          "type": "address",
          "network": "TRX"
        }
      }'

Response:

{
  "status": "success",
  "message": "Created quote successfully",
  "data": {
    "id": "QUO_GxYibGxTIN5c",
    "profile_id": "BUS_9rDAqqREdmMQcQj3zsRlL",
    "source_currency": "USDT",
    "target_currency": "USDT",
    "source_amount": "100",
    "target_amount": "100",
    "rate": {
      "product": "",
      "rate": "1",
      "side": "sell",
      "type": "FIXED",
      "source_currency": "USDT",
      "target_currency": "USDT"
    },
    "fees": [],
    "pay_in": {
      "network": "TRX",
      "type": "address"
    },
    "pay_out": {
      "type": "balance"
    },
    "reference": "QUO_GxYibGxTIN5c",
    "status": "pending",
    "created_at": "2025-10-30T14:35:16.487382045Z",
    "updated_at": "2025-10-30T14:35:16.487382045Z"
  }
}

Create Transfer to Get Deposit Address

Use the quote ID to generate the crypto deposit address:

    curl -X POST https://api.sandbox.busha.so/v1/transfers \
      -H "Authorization: Bearer YOUR_SECRET_TOKEN" \
      -H "Content-Type: application/json" \
      -d '{
        "quote_id": "QUO_GxYibGxTIN5c"
      }'

Response:

{
  "status": "success",
  "message": "Created transfer successfully",
  "data": {
    "id": "TRF_abc123xyz",
    "profile_id": "BUS_9rDAqqREdmMQcQj3zsRlL",
    "quote_id": "QUO_GxYibGxTIN5c",
    "source_currency": "USDT",
    "target_currency": "USDT",
    "source_amount": "100",
    "target_amount": "100",
    "rate": {
      "product": "",
      "rate": "1",
      "side": "sell",
      "type": "FIXED",
      "source_currency": "USDT",
      "target_currency": "USDT"
    },
    "fees": [],
    "pay_in": {
      "type": "address",
      "address": "TXYZabc123def456ghi789jkl",
      "network": "TRX",
      "memo": null
    },
    "status": "pending",
    "created_at": "2025-10-30T14:35:20.123456Z",
    "updated_at": "2025-10-30T14:35:20.123456Z"
  }
}

Display Deposit Address to Customer

Show the crypto deposit details to your customer:Deposit Instructions:

Network: TRX (Tron)
Address: TXYZabc123def456ghi789jkl
Asset: USDT
Amount: 100 USDT (minimum)

Customer sends USDT to this address from their wallet.

Monitor Deposit Status

Check the transfer status to confirm when crypto is received:

    curl -X GET https://api.sandbox.busha.so/v1/transfers/TRF_abc123xyz \
      -H "Authorization: Bearer YOUR_SECRET_TOKEN"

Possible Statuses:

pending - Awaiting blockchain confirmation
processing - Transaction confirmed, processing deposit
funds_received - Crypto credited to balance
cancelled - Deposit cancelled

Deposit for a Customer

To process deposits on behalf of a customer, include the customer’s profile ID in the header:

curl -X POST https://api.sandbox.busha.so/v1/quotes \
  -H "X-BU-PROFILE-ID: CUSTOMER_PROFILE_ID" \
  -H "Authorization: Bearer YOUR_SECRET_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "source_currency": "NGN",
    "target_currency": "NGN",
    "source_amount": "50000",
    "pay_in": {
      "type": "temporary_bank_account"
    }
  }'

The deposit will be credited to the customer’s account instead of your business account.

Supported Networks for Crypto Deposits

USDT: TRX (Tron), ERC20 (Ethereum), BEP20 (BSC), POLYGON
BTC: BTC (Bitcoin)
ETH: ETH (Ethereum)
Other cryptos: Check supported networks via the Pairs API

Important Notes

Fiat Deposits

Quotes are valid for 3 minutes from creation. After that, they expire and transfers can no longer be created from them.
Create the transfer before the quote expires. The quoted rate is honoured for the remainder of the same 3-minute quote validity window; creating a transfer does not restart it.
Ensure the deposit is received within the quote’s 3-minute validity window; deposits received outside that window are settled at the market rate
Follow any separate validity limits returned for temporary bank account instructions; these do not extend the quoted rate window
Fees are deducted from the deposited amount

Crypto Deposits

Always specify the correct network
Deposits require blockchain confirmations
Minimum deposit amounts apply per asset
Wrong network = lost funds (unrecoverable)

Learn More

Process Fiat Deposits Guide - Detailed fiat deposit guide
Process Crypto Deposits Guide - Detailed crypto deposit guide
Understanding Quotes - How quotes work
Webhooks Setup - Monitor deposits in real-time
Initiate Transactions on Behalf of Customers - Customer transactions

​Use Cases

​Fiat Deposit via Temporary Bank Account

​Crypto Deposit via Address

​Deposit for a Customer

​Supported Networks for Crypto Deposits

​Important Notes

​Fiat Deposits

​Crypto Deposits

​Learn More

Use Cases

Fiat Deposit via Temporary Bank Account

Crypto Deposit via Address

Deposit for a Customer

Supported Networks for Crypto Deposits

Important Notes

Fiat Deposits

Crypto Deposits

Learn More