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## 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.

> **Note**
>
> 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](/api-reference/customers/api-integration/payments/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](/api-reference/webhooks/webhook-payment-status-updated)

Updated payment status descriptions to clarify when each status applies:

| Status           | Description                                                                                                | Applies To                  |
| ---------------- | ---------------------------------------------------------------------------------------------------------- | --------------------------- |
| `PROCESSING`     | Payment is being processed. Immediately after the response from Payment v3 call for same-currency payments | Same currency payments only |
| `AWAITING_FUNDS` | Payment created, waiting for funds to be received                                                          | FX conversion payments      |
| `RECEIVED_FUNDS` | Funds have been received and credited to customer's Redpin wallet                                          | FX 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.