# Use Cases
source: https://developer.mastercard.com/cross-border-services/documentation/use-cases/index.md

Cross-Border Services facilitates many funds transfer transaction types, which are grouped into the following:

|                                                                             Scenario                                                                              |                                                                                                 Description                                                                                                 |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| **P2P---Transfers to Friends and Family** ![](https://static.developer.mastercard.com/content/cross-border-services/documentation/images/P2P_icon.png)            | Enable individuals to transfer funds to another person, for example: * Send money to family abroad * Contribute to a friend's wedding gift                                                                  |
| **P2B---Transfers to Business** ![](https://static.developer.mastercard.com/content/cross-border-services/documentation/images/P2B_icon.png)                      | Enable individuals to transfer funds to businesses, for example: * Payment for the services that the business provided                                                                                      |
| **B2B---Transfers between Institutions** ![](https://static.developer.mastercard.com/content/cross-border-services/documentation/images/B2B_icon.png)             | Enable institutions (businesses, organizations or other entities) to send payments to other institutions, for example: * Pay suppliers                                                                      |
| **B2P---Disbursements from Business to Individuals** ![](https://static.developer.mastercard.com/content/cross-border-services/documentation/images/B2C_icon.png) | Enable businesses to disburse funds to individuals, for example: * Pay staff wages * Send insurance claim payments and humanitarian aid payments * Pay individuals who have sold through your e-Marketplace |

## Fund Transfer Options {#fund-transfer-options}

Depending on your needs, for any of the above listed scenarios, you have the following fund transfer options available to you:

|                                                               Payment Options                                                                |                                                                                                                                             Description                                                                                                                                              |
|----------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| [Payment with Quote](https://developer.mastercard.com/cross-border-services/documentation/use-cases/payment-with-quote/index.md)             | This payment option allows associating the FX rate and amounts calculated from a previously submitted quote. [FIND OUT MORE](https://developer.mastercard.com/cross-border-services/documentation/use-cases/payment-with-quote/index.md)                                                             |
| [Payment with Carded Rate](https://developer.mastercard.com/cross-border-services/documentation/use-cases/payment-with-carded-rate/index.md) | This payment option utilizes the carded rates (that can be delivered as an opt-in service) to get the guaranteed FX rates. [FIND OUT MORE](https://developer.mastercard.com/cross-border-services/documentation/use-cases/payment-with-carded-rate/index.md)                                         |
| [Payment (without Quote or Carded Rate)](https://developer.mastercard.com/cross-border-services/documentation/use-cases/payment/index.md)    | This payment option uses the FX rate that is valid at the time of payment submission. All of the calculated amounts provided in the payment response will be based on this FX rate. [FIND OUT MORE](https://developer.mastercard.com/cross-border-services/documentation/use-cases/payment/index.md) |

Note: The use case information assumes you are an **Originating Institution** registered for Cross-Border Services.