> ## Documentation Index > Fetch the complete documentation index at: https://docs.xentfi.com/llms.txt > Use this file to discover all available pages before exploring further. # Create an order > Creates a collection order and returns the payment instructions. `customer.name` must be the **payer's full name** — the provider matches it against the sending bank account / mobile-money wallet and rejects mismatches. Mobile money requires `mobileMoney.{phoneNumber, networkProvider}`; the prompt is sent immediately. **Idempotent:** same `reference` + `sessionId` returns the same order; a quote is single-use. **Rate guard:** if the rate worsened more than the tolerance since the quote, the call fails with 409 and nothing is created at the provider for payment. Orders expire after `validityTimeMinutes` (30–1440, default 30). The provider has no cancel/expire call, so **a payment that still arrives after expiry or cancellation is honoured** (`metadata.latePayment: true`). **Webhook events:** `onramp.created`, `onramp.paid`, `onramp.processing`, `onramp.completed`, `onramp.expired`, `onramp.failed`, `onramp.cancelled`. **Flow:** `GET /currencies` → `GET /assets?walletId¤cy` → `GET /rails?currency` → `POST /quotes` (rate session) → `POST /orders` → show `paymentInstructions` to your payer → track via `onramp.*` webhooks or `GET /orders/{id}` → stablecoin is credited to your wallet. **Rails:** `bank_transfer` — a one-time bank account is generated per order (NGN; GHS bank unverified). `mobile_money` — GHS; the payer approves a prompt on their phone (`nextStep: PIN`) or, when the provider asks, you submit an OTP via `POST /orders/{id}/verify-otp` (`status: awaiting_otp`). USD/EUR are collected through customer virtual accounts, not this API. ## OpenAPI ````yaml /api-reference/openapi.json post /v1/onramp/orders openapi: 3.0.3 info: title: XentFi API version: 1.0.0 description: >- API documentation for XentFi.The XentFi API gives you access to pretty much all the features you can use on our dashboard and lets you extend them for use in your application. It strives to be RESTful and is organized around the main resources you would be interacting with - with a few notable exceptions. servers: - url: https://api.xentfi.com description: Production server security: [] tags: [] paths: /v1/onramp/orders: post: tags: - On-ramp summary: Create an order description: >- Creates a collection order and returns the payment instructions. `customer.name` must be the **payer's full name** — the provider matches it against the sending bank account / mobile-money wallet and rejects mismatches. Mobile money requires `mobileMoney.{phoneNumber, networkProvider}`; the prompt is sent immediately. **Idempotent:** same `reference` + `sessionId` returns the same order; a quote is single-use. **Rate guard:** if the rate worsened more than the tolerance since the quote, the call fails with 409 and nothing is created at the provider for payment. Orders expire after `validityTimeMinutes` (30–1440, default 30). The provider has no cancel/expire call, so **a payment that still arrives after expiry or cancellation is honoured** (`metadata.latePayment: true`). **Webhook events:** `onramp.created`, `onramp.paid`, `onramp.processing`, `onramp.completed`, `onramp.expired`, `onramp.failed`, `onramp.cancelled`. **Flow:** `GET /currencies` → `GET /assets?walletId¤cy` → `GET /rails?currency` → `POST /quotes` (rate session) → `POST /orders` → show `paymentInstructions` to your payer → track via `onramp.*` webhooks or `GET /orders/{id}` → stablecoin is credited to your wallet. **Rails:** `bank_transfer` — a one-time bank account is generated per order (NGN; GHS bank unverified). `mobile_money` — GHS; the payer approves a prompt on their phone (`nextStep: PIN`) or, when the provider asks, you submit an OTP via `POST /orders/{id}/verify-otp` (`status: awaiting_otp`). USD/EUR are collected through customer virtual accounts, not this API. operationId: createOnrampOrder requestBody: required: true content: application/json: schema: type: object required: - sessionId - reference - rail - customer properties: sessionId: type: string format: uuid reference: type: string pattern: ^[A-Za-z0-9_-]{8,64}$ rail: type: string enum: - bank_transfer - mobile_money customer: type: object required: - name properties: name: type: string example: Ada Obi description: Payer's full name — must match the paying account email: type: string format: email mobileMoney: type: object description: Required for rail mobile_money required: - phoneNumber - networkProvider properties: phoneNumber: type: string example: 244007778 networkProvider: type: string enum: - MTN - AIRTEL - VODAFONE validityTimeMinutes: type: integer minimum: 30 maximum: 1440 default: 30 metadata: type: object responses: '201': description: Order created content: application/json: schema: type: object properties: data: type: object properties: id: type: string format: uuid reference: type: string rail: type: string enum: - bank_transfer - mobile_money status: type: string enum: - initiated - pending - awaiting_otp - paid - processing - completed - expired - cancelled - failed walletId: type: string assetId: type: string currency: type: string amount: type: string description: Stablecoin the wallet receives amountFiat: type: string feeFiat: type: string amountFiatPayable: type: string nullable: true description: Total the payer must send amountFiatReceived: type: string nullable: true rate: type: string paymentInstructions: type: object nullable: true properties: type: type: string enum: - bank_transfer - mobile_money bank: type: object properties: name: type: string accountName: type: string accountNumber: type: string mobileMoney: type: object properties: phoneNumber: type: string description: Masked networkProvider: type: string nextStep: type: string enum: - PIN - OTP prompt: type: string amountToPay: type: string currency: type: string expiresAt: type: string format: date-time customer: type: object properties: name: type: string email: type: string transactionHash: type: string nullable: true description: >- On-chain hash of the delivery to your wallet, when reported failureReason: type: string nullable: true failureStage: type: string nullable: true enum: - provider_setup - rate_moved - provider - abandoned requiresOtp: type: boolean expiresAt: type: string format: date-time metadata: type: object nullable: true createdAt: type: string format: date-time updatedAt: type: string format: date-time completedAt: type: string format: date-time nullable: true '400': description: Validation or provider rejection (e.g. mobile money failed) content: application/json: schema: type: object properties: error: type: object properties: code: type: string example: NOT_FOUND message: type: string example: Wallet not found timestamp: type: string format: date-time requestId: type: string '404': description: Quote session not found content: application/json: schema: type: object properties: error: type: object properties: code: type: string example: NOT_FOUND message: type: string example: Wallet not found timestamp: type: string format: date-time requestId: type: string '409': description: Quote used/expired, rate moved, or reference conflict content: application/json: schema: type: object properties: error: type: object properties: code: type: string example: NOT_FOUND message: type: string example: Wallet not found timestamp: type: string format: date-time requestId: type: string security: - ApiKeyAuth: [] OrgIdAuth: [] components: securitySchemes: ApiKeyAuth: type: apiKey in: header name: apiKey OrgIdAuth: type: apiKey in: header name: orgId ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.