Cross-border acceptance

The payer transfers money to a bank (or mobile operator) in another country: the order amount is set in currency, and the payer pays the amount due in the requisite currency — requisites.amount_local.

Method	Requisite (requisites.type)
CROSS_BORDER	card — card number or phone — phone number
CROSS_BORDER_CARD	same as CROSS_BORDER
CROSS_BORDER_SIM	sim — subscriber phone number with a mobile operator

currency is required and must match the terminal currency. country is optional — the country to route the payment to (ISO-2); for a non-ruble order, if there are no requisites in that country, the payment is routed as without country. For CROSS_BORDER_SIM, bank may contain an operator code (Tajikistan: tcell, babilon_mobile, megafon_tjs, beeline_tj, zet_mobile); codes are in GET /v1/public/banks.

Amount

	currency = requisite currency	currency ≠ requisite currency (e.g. RUB)
requisites.amount_local	equals amount	amount to pay in the requisite currency

Request example

curl -X POST https://api.bopay.io/v1/payments \
  -H "Content-Type: application/json" \
  -H "X-Identity: <API-key>" \
  -H "X-Signature: <Signature>" \
  -d '{
    "ext_id": "order_1",
    "amount": 10000,
    "currency": "RUB",
    "method": "CROSS_BORDER_CARD",
    "country": "KZ"
  }'

Response example

{
  "id": "550e8400-e29b-41d4-a716-446655440000",
  "ext_id": "order_1",
  "amount": 10000,
  "currency": "RUB",
  "rate": 92.5,
  "payin_rate": 7,
  "terminal_id": "6f15ad5b-325f-44ca-8f36-233379dcaf4c",
  "terminal_name": "Main Terminal",
  "status": "PENDING",
  "method": "CROSS_BORDER_CARD",
  "requisites": {
    "type": "card",
    "value": "4400430212345678",
    "bank": "kaspi",
    "bank_name": "Kaspi Bank",
    "country": "KZ",
    "currency": "KZT",
    "amount_local": 54500.00
  },
  "payment_url": "https://pay.bopay.io/invoice?id=550e8400-e29b-41d4-a716-446655440000",
  "valid_until": "2026-01-30T12:30:00Z",
  "created_at": "2026-01-30T12:15:00Z"
}

The payer transfers amount_local in requisites.currency to requisites.value. Other fields — as in Create Payment.

Errors

Code	HTTP	Reason
PAY_002	400	currency is required for method CROSS_BORDER — currency not passed
PAY_002	400	currency KZT does not match terminal currency RUB — currency differs from the terminal currency
PAY_002	400	unsupported currency: XYZ / unsupported country: XX
PAY_004	503	No requisites available for the country/method