# Payment without Quote
source: https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/person-to-person-transfers/payment-without-quote/index.md

### The user sends money internationally to a new recipient's bank account (payment without Quote) {#the-user-sends-money-internationally-to-a-new-recipients-bank-account-payment-without-quote}

Cross-Border Services support money transfers even if the OI has not opted to use the Quote API. In this case, the user sees the exchange rates after the transfer has been initiated.

The sender, for instance, makes a cross-border payment to a new recipient through a money transfer app. Since the money transfer app does not use the Quote API to display exchange rates upfront, the sender proceeds without a quote. To begin the transfer, the sender select's the new recipient's country and 'Bank account' as the endpoint for the transfer. The sender then enters the amount that they wish to send, specifying either their own currency or the recipient's, depending on their preference. If applicable, the sender selects their preferred fee option at this stage. The sender proceeds to choose the funding account from which the transfer will be made and inputs the recipient's details. Before finalizing the transaction, the sender thoroughly reviews all payment details to ensure accuracy and completeness. Following the completion of the transfer, the app provides the sender with comprehensive details including the exchange rate used, the total amount paid, and the exact amount that will be received by the recipient.

### 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:

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