# Payment with Carded Rate
source: https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/payment-with-carded-rate/index.md

### Business sends money internationally to a new recipient's bank account (payment with Carded Rate) {#business-sends-money-internationally-to-a-new-recipients-bank-account-payment-with-carded-rate}

In this journey, the business makes a cross-border payment to the recipient's bank account through a money transfer app. The business selects the new recipient's country and 'Bank account' as the endpoint.

Since the OI has opted for carded rates, when the business specifies the amount it wishes to send, it is shown the exchange rate and total payment due in real time. If applicable, it has the flexibility to determine who covers the fee, according to its preference. Following this, the business selects the preferred funding account and inputs the recipient's personal and bank account details. Prior to finalizing the transaction, the business thoroughly reviews the payment details and the transfer concludes successfully.

### 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:

* [Carded Rate Pull](https://developer.mastercard.com/cross-border-services/documentation/api-ref/carded-rate-api/index.md)
* [Carded Rate Push](https://developer.mastercard.com/cross-border-services/documentation/api-ref/carded-rate-api/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: [Disburse money without a quote](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/payment-without-quote/index.md)