# Disburse money to an existing recipient
source: https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/disburse-money-to-existing-recipient/index.md

### Business sends money internationally to an existing recipient (payment with Quote) {#business-sends-money-internationally-to-an-existing-recipient-payment-with-quote}

This journey shows how a user can transfer money to a saved contact, without having to manually enter the recipient details. Although recipient management is not a capability offered by the Cross-Border Services APIs, it is recommended that the OI builds this capability to streamline the money transfer process.

For instance, the business makes a cross-border payment to an existing recipient through a money transfer app. Having previously sent money to the recipient, all details are saved in the recipient list. This allows the business to easily initiate subsequent payments to the recipient without re-entering their information each time.

After specifying the amount to send, the business views the exchange rate and total amount due. If applicable, it sets the preferred fee option before selecting a funding account and carefully reviewing all payment details. Once satisfied, the business confirms the transfer, successfully concluding the transaction.

### UX journey {#ux-journey}

For the best viewing experience of the UX journey, click the **full screen mode** option or **zoom** using the controls located on the right.

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### Flow diagram {#flow-diagram}


Note: Mastercard APIs used in this experience:

* [Quote](https://developer.mastercard.com/cross-border-services/documentation/api-ref/quotes-api/index.md)
* [Quote Confirmation](https://developer.mastercard.com/cross-border-services/documentation/api-ref/quote-confirmation-apis/index.md)
* [Balance](https://developer.mastercard.com/cross-border-services/documentation/api-ref/balance-api/index.md)
* [Payment](https://developer.mastercard.com/cross-border-services/documentation/api-ref/payment-api/index.md)

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Next: [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)