# Business-to-person transfers
source: https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/index.md

B2P transfers enable businesses of all sizes to disburse funds to individuals, such as paying staff wages, sending insurance claim payments, and paying freelancers or marketplace sellers.

We have included several tools to help you design a best-in-class experience for B2P transfers: a reference prototype that brings the experience to life, a Figma file including end-to-end product experience journeys, and flow diagrams for each moment of the experience.
![Reference prototype](https://static.developer.mastercard.com/content/cross-border-services/uploads/prototype-3.svg)

### Reference prototype {#reference-prototype}

View the reference prototype to better understand the B2P web experience using Cross-Border Services

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[Open prototype](https://www.figma.com/proto/y0JVMi0ufkHEUdiPPNpqEL/XBS-EDGE---Prototypes?page-id=3002%3A73713&node-id=3037-59292&viewport=982%2C2003%2C0.06&t=NBXZUUBA3ZWcE87J-8&scaling=min-zoom&content-scaling=fixed&starting-point-node-id=3037%3A59292&hide-ui=1)
![Figma File](https://static.developer.mastercard.com/content/cross-border-services/uploads/figma-3.svg)

### Figma File {#figma-file}

Find the end-to-end product experience for primary use cases to duplicate and customize in your own environment

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[Access file](https://www.figma.com/design/x9aeCexrSlNrLIbPzWhyPM/XBS-user-journeys?node-id=5377-26797&t=0tlgS344VaWsfp9y-1)
![Figma theming guide](https://static.developer.mastercard.com/content/cross-border-services/uploads/theming-guide-3.svg)

### Figma theming guide {#figma-theming-guide}

Apply your brand's font and colours in a few simple steps to fully customize the product experience.

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[View guide](https://www.figma.com/proto/8WQ6mCYIP4pvUgoILgSB7v/Figma-Theming-Guide?page-id=0%3A1&node-id=1-2232&viewport=364%2C170%2C0.45&t=R00guWiCk30s5tXf-8&scaling=scale-down-width&content-scaling=fixed&hide-ui=1&fuid=1316298999584552659)

### UX Journeys {#ux-journeys}

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##### Money transfers {#money-transfers}

[Disburse money to a bank account](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/disburse-money-to-bank-account/index.md)   
[Disburse money to a card](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/disburse-money-to-card/index.md)   
[Disburse money to a digital wallet](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/disburse-money-to-digital-wallet/index.md)   
[Disburse money to a cash pick-up location](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/disburse-money-to-cash-pick-up-location/index.md)   
[Disburse money to an existing recipient](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/disburse-money-to-existing-recipient/index.md)   
[Payment with Carded Rate](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/payment-with-carded-rate/index.md)   
[Payment without Quote](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/payment-without-quote/index.md)   

##### Track and manage {#track-and-manage}

[View transaction history and payment status](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/view-tran-history-payment-status/index.md)   
[Manage recipients](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/manage-recipients/index.md)   

Next: [Disburse money to a bank account](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/disburse-money-to-bank-account/index.md)