# Mastercard Cross-Border Services
source: https://developer.mastercard.com/cross-border-services/documentation/index.md

## Overview {#overview}

Note: This documentation is for the developers and technical managers who want to integrate with Cross-Border Services to deliver a fund transfer solution. For program details, rules and further implementation guidance, contact your Mastercard representative.

Cross-Border Services is a global payment service that provides access to faster, transparent payments between Senders and Recipients through multiple channels and payout methods. Cross-Border Services provides:

* A technical system interface for Customers to initiate Transactions to approved Receiving Territories
* Wholesale and retail Foreign Exchange (FX) rates and fees
* Customer support to the Customer for Transaction, settlement, and reconciliation reporting
* Settlement services between the Customer and Mastercard
* For certain Customers, pricing and rate mechanisms to determine up-front pricing information for Senders

<br />

Supported customer payment transfer types include:

* Person to Person (P2P)
* Business to Person (B2P)
* Business to Business (B2B)
* Person to Business (P2B)

The [use cases](https://developer.mastercard.com/cross-border-services/documentation/use-cases/index.md) describe how Cross-Border Services APIs facilitate the supported transaction types.

## Who can use it {#who-can-use-it}

A financial institution or third party provider (who represents financial institution) that will connect to Cross-Border Services **directly** to initiate fund transfers for its customers.

## How it works {#how-it-works}

The Cross-Border Service APIs enable financial institutions and partners to build flexible solutions that support many different funds transfer and payment types via a single connection to Mastercard. For these transfers, an Originating Institution (such as an Acquirer or Issuer) acts on behalf of the Sender to send funds to a Receiving System, which holds the Recipient's account. Depending on the type of transfer, Senders and Recipients may include consumers, businesses, non-profit organizations, mobile money agents and cash out locations.

![](https://static.developer.mastercard.com/content/cross-border-services/documentation/images/HowItWorks1.png)
Note: The diagram above illustrates a Customer that is an Originating Institution sending funds on behalf of its Senders.

## Next steps {#next-steps}

1. Take a look at the [Use Cases](https://developer.mastercard.com/cross-border-services/documentation/use-cases/index.md) to understand how the Cross-Border Service APIs facilitate the supported transaction types.

2. Look at the [API Basics](https://developer.mastercard.com/cross-border-services/documentation/api-basics/index.md) to learn about the Mastercard environments and the required project keys.

3. When you are ready to use the APIs, see [Getting Started with the APIs](https://developer.mastercard.com/cross-border-services/documentation/getting-started/index.md) for information on connecting to the Cross-Border Service APIs.

4. Use the [API Reference](https://developer.mastercard.com/cross-border-services/documentation/api-ref/index.md) information for the APIs you want to use, to see details of the fields and values relevant to the transaction types you are supporting.

5. Try out the [Tutorials](https://developer.mastercard.com/cross-border-services/documentation/tutorials/index.md) if you need help on how to make API calls to the Cross-Border Service APIs in the Sandbox environment.