Processing Markups • Busha Developer Documentation

This example shows you how to add custom markup fees on top of Busha’s infrastructure costs.

Use Cases

Charging service fees on transactions
Adding profit margins to conversions

How Markups Work

To add your own fees, use a two-step approach:

Customer Deposit: Create a quote for the total amount (base + markup) with a pay_in object
Actual Conversion: After funds are received, create a second quote for only the base amount with a pay_out object

The difference between what the customer pays and what you spend on the conversion remains in your balance as profit.

Example: Markup on USDT Purchase

A customer wants to buy USDT worth 5,000 NGN. You want to charge a 10% markup (500 NGN profit).

Create Quote for Customer Deposit

Charge the customer 5,500 NGN (5,000 NGN + 500 NGN markup):

    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": "5500",
        "pay_in": {
          "type": "temporary_bank_account"
        }
      }'

Response:

{
  "status": "success",
  "message": "Created quote successfully",
  "data": {
    "id": "QUO_depositWith5500",
    "source_currency": "NGN",
    "target_currency": "NGN",
    "source_amount": "5500",
    "target_amount": "5500",
    "pay_in": {
      "type": "temporary_bank_account"
    },
    "status": "pending"
  }
}

Finalize Deposit Transfer

Generate the temporary bank account for customer deposit:

    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_depositWith5500"
      }'

Response:

{
  "status": "success",
  "message": "Created transfer successfully",
  "data": {
    "id": "TRF_customerDeposit",
    "quote_id": "QUO_depositWith5500",
    "source_amount": "5500",
    "pay_in": {
      "recipient_details": {
        "account_name": "Payaza(Business 1 Business)",
        "account_number": "7000384620",
        "bank_name": "78 FINANCE COMPANY LIMITED"
      },
      "type": "temporary_bank_account"
    },
    "status": "pending"
  }
}

Customer deposits 5,500 NGN to this bank account.

Monitor Transfer Status

If webhooks is setup, you’ll receive a notification when the deposit is complete. The customer’s funds are now in your balance and ready for conversion.

    {
      "event": "transfer.funds_received",
      "data": {
        "transfer_id": "TRF_customerDeposit",
        "source_amount": "5500",
        "source_currency": "NGN",
        "status": "funds_received"
      }
    }

Your balance now has 5,500 NGN.

Create Quote for Actual Conversion

Convert only 5,000 NGN to USDT (keeping 500 NGN as profit):

    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": "USDT",
        "source_amount": "5000",
        "pay_out": {
          "type": "balance"
        }
      }'

Response:

{
  "status": "success",
  "message": "Created quote successfully",
  "data": {
    "id": "QUO_actualConversion",
    "source_currency": "NGN",
    "target_currency": "USDT",
    "source_amount": "5000",
    "target_amount": "3.12",
    "rate": {
      "rate": "1602.56",
      "side": "buy",
      "source_currency": "NGN",
      "target_currency": "USDT"
    },
    "pay_out": {
      "type": "balance"
    }
  }
}

Execute Conversion Transfer

Finalize the conversion:

    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_actualConversion"
      }'

Result:

Customer receives 3.12 USDT
You spent 5,000 NGN from your balance
500 NGN remains in your balance as profit

Example: Sell USDT for NGN with Markup

A customer wants to sell 50 USDT for NGN. You want to charge a 5% markup.

Get a Quote

Create a quote to see how much NGN the customer will receive:

    curl -X POST https://api.sandbox.busha.so/v1/quotes \
      -H "Authorization: Bearer YOUR_SECRET_KEY" \
      -H "Content-Type: application/json" \
      -d '{
        "source_currency": "USDT",
        "target_currency": "NGN",
        "source_amount": "50"
      }'

Response:

{
  "status": "success",
  "message": "Created quote successfully",
  "data": {
    "id": "QUO_8xTKmNpR2vWq",
    "profile_id": "BUS_9rDAqqREdmMQcQj3zsRlL",
    "source_currency": "USDT",
    "target_currency": "NGN",
    "source_amount": "50",
    "target_amount": "74487",
    "rate": {
      "product": "USDTNGN",
      "rate": "1489.74",
      "side": "sell",
      "type": "FIXED",
      "source_currency": "USDT",
      "target_currency": "NGN"
    },
    "fees": [],
    "reference": "QUO_8xTKmNpR2vWq",
    "status": "pending",
    "expires_at": "2025-11-27T14:43:26.906019648Z",
    "created_at": "2025-11-27T14:13:26.905993939Z"
  }
}

Calculate your markup:

Base amount: ₦74,487
5% markup: ₦3,724
Customer receives: ₦70,763 (₦74,487 - ₦3,724)
You keep: ₦3,724 as profit

Execute the Sale

Use the quote ID to finalize the conversion:

    curl -X POST https://api.sandbox.busha.so/v1/transfers \
      -H "Authorization: Bearer YOUR_SECRET_KEY" \
      -H "Content-Type: application/json" \
      -d '{
        "quote_id": "QUO_8xTKmNpR2vWq"
      }'

Response:

{
  "status": "success",
  "message": "Created transfer successfully",
  "data": {
    "id": "TRF_2mKpVxNzQwYr",
    "profile_id": "BUS_9rDAqqREdmMQcQj3zsRlL",
    "quote_id": "QUO_8xTKmNpR2vWq",
    "description": "Sold USDT",
    "sub_description": "For NGN",
    "source_currency": "USDT",
    "target_currency": "NGN",
    "source_amount": "50",
    "target_amount": "74487",
    "trade": "sell",
    "rate": {
      "product": "USDTNGN",
      "rate": "1489.74",
      "side": "sell",
      "type": "FIXED"
    },
    "fees": [],
    "status": "pending",
    "created_at": "2025-11-27T14:14:06.134616492Z"
  }
}

Apply Your Markup

Your transaction breakdown:

50 USDT converted to ₦74,487 (from Busha)
Customer paid: ₦70,763 (after your 5% markup)
Your profit: ₦3,724

You would then send ₦70,763 to the customer via bank transfer or their preferred payout method, keeping ₦3,724 as your service fee.

Learn More

Customer Deposits - Accept fiat and crypto deposits
Sell Crypto for Fiat - Sell cryptocurrency for fiat
Webhooks Setup - Monitor transaction status
Understanding Quotes - How quotes work

Examples

​Use Cases

​How Markups Work

​Example: Markup on USDT Purchase

​Example: Sell USDT for NGN with Markup

​Learn More

Use Cases

How Markups Work

Example: Markup on USDT Purchase

Example: Sell USDT for NGN with Markup

Learn More