Changelog

December 30, 2025

Summary

🚀 Create Payment API Enhancement: The Create Payment API now supports optional FX conversion, allowing you to create same-currency payments without requiring a quote. FX conversion is optional - provide a quote_id only when currency conversion is needed.

The Create Payment API now provides flexible payment creation workflows. For same-currency payments, simply omit the quote_id. For FX conversions, provide an active quote_id from a valid quote.

API Updates

Create Payment

  • Endpoint: POST /v3/customers/:customer_id/payments
  • What’s New: FX conversion is now optional in the payment creation workflow
  • Key Changes:
    • FX Conversion (Optional): If you need to convert currency, provide a quote_id from an active quote
      • The quote must be active and not expired
      • Quote validation ensures accurate FX rates and conversion amounts
    • Same Currency Payment: If no currency conversion is needed (same currency payment), do not send quote_id
      • Enables direct same-currency payments without requiring a quote
      • Streamlines payment creation for domestic or same-currency transfers

Usage Guidelines:

  • For FX Conversion Payments: Include quote_id in the request payload. The quote must be active and not expired.
  • For Same Currency Payments: Omit quote_id from the request payload. The payment will be processed without currency conversion.

Webhook Updates

Payment Status Updated Event

Updated payment status descriptions to clarify when each status applies:

StatusDescriptionApplies To
PROCESSINGPayment is being processed. Immediately after the response from Payment v3 call for same-currency paymentsSame currency payments only
AWAITING_FUNDSPayment created, waiting for funds to be receivedFX conversion payments
RECEIVED_FUNDSFunds have been received and credited to customer’s Redpin walletFX conversion payments

Status Flow Differences:

  • Same Currency Payments: Start with PROCESSING status immediately after payment creation
  • FX Conversion Payments: Start with AWAITING_FUNDS status, then transition to RECEIVED_FUNDS when funds are received

Breaking Changes

  • None. The quote_id field remains optional, maintaining backward compatibility with existing integrations.