# Moments that matter
source: https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/moments-that-matter/index.md

Cross-Border Services can be implemented flexibly, so you can adapt it to your unique business needs. However, there are certain features and principles that we recommend being factored into your final designs. Including these Moments that Matter will help you provide the best experience for your customers.

## Transparency {#transparency}

#### Display the FX rate, transfer fees, and speed upfront {#display-the-fx-rate-transfer-fees-and-speed-upfront}

The cost of making a transfer greatly influences consumer decisions. Therefore, it is crucial to clearly display the exchange rate, fees, and speed at the beginning of the transfer process. This involves emphasizing the fee and speed associated with sending money to any of the endpoint options, and informing consumers about the FX rate and its validity. Additionally, keeping consumers updated on any changes in these parameters ensures they know exactly how much they will be charged.

![Transparency](https://static.developer.mastercard.com/content/cross-border-services/uploads/moments1.png)

## Flexibility and choice {#flexibility-and-choice}

#### Provide options to choose fee preferences {#provide-options-to-choose-fee-preferences}

Cross-Border Services provide the flexibility to submit a payment request with the fee borne either by the sender or recipient. Harness this capability by empowering the sender to choose who pays the fee, while also showing its impact on the total to be paid.

#### Show supported endpoints {#show-supported-endpoints}

Cross-Border Services support multiple endpoints such as bank account, digital wallet, card, and cash pickup. Specifically, highlight a transfer's estimated delivery time and fees when organizing account payment methods.

![Flexibility and choice](https://static.developer.mastercard.com/content/cross-border-services/uploads/moments2.png)

## Clarity {#clarity}

#### Provide clarity through payment tracking {#provide-clarity-through-payment-tracking}

After the payment is initiated, users want to know when it is processed. By offering real-time updates and a tracker with detailed status information, users can monitor their transactions, leading to greater satisfaction. Payment tracking provides clarity, reducing anxiety and offering peace of mind.

#### Notify when payment is complete {#notify-when-payment-is-complete}

Users need assurance that their money transfer is complete and received by the intended recipient. Keep users informed of their financial activities through timely notification and updates.
![Clarity](https://static.developer.mastercard.com/content/cross-border-services/uploads/moments3.png)

Next: [Research summary](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/research-summary/index.md)