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

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

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

Since the OI has opted for carded rates, when the sender specifies the amount they wish to send, they are shown the exchange rate and total payment due in real time. If applicable, they have the flexibility to determine who covers the fee, according to their preference. Following this, the sender selects the preferred funding account and inputs the recipient's personal and bank account details. Prior to finalizing the transaction, the sender 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: [Payment without Quote](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/person-to-person-transfers/payment-without-quote/index.md)