# Payment (without Quote or Carded Rate)
source: https://developer.mastercard.com/cross-border-services/documentation/use-cases/payment/index.md

The simplest flow - submit a Payment directly, without getting a quote or a carded rate first. Mastercard applies the Mastercard FX Rate that is valid at the time the Payment is processed.

Because you are not getting a quote in this flow, the Sender doesn't see the exact Mastercard FX Rate or amounts until after the Payment is processed. Use this flow when the Sender doesn't need that visibility upfront, or when you absorb the FX risk on the Sender's behalf.

Learn more about the [pricing model](https://developer.mastercard.com/cross-border-services/documentation/use-cases/pricing-model/index.md).

This page covers three flows:

* Forward Payment with fees included
* Forward Payment with fees not included
* Reverse Payment

## 1. Forward Payment (fees included) {#1-forward-payment-fees-included}

The Sender specifies the amount they want to send, including fees. The API calculates how much the Recipient will receive using the Mastercard FX Rate at processing time.

### Preconditions {#preconditions}

* The corridor from the Sender Currency to the Recipient Currency is supported under your program configuration.

### Example sequence: Customer Managed Sender Pricing (CMSP) {#example-sequence-customer-managed-sender-pricing-cmsp}

Diagram send-fwd-wo-quote-fees-cmsp-sequence

### Example sequence: Mastercard Managed Sender Pricing (MMSP) {#example-sequence-mastercard-managed-sender-pricing-mmsp}

Diagram send-fwd-wo-quote-fees-mmsp-sequence

### Understanding this flow {#understanding-this-flow}

**Payment API**: Submits the Payment directly. The Mastercard FX Rate applied is the one available when Mastercard processes the Payment, not the one that existed when the Sender confirmed.

API Reference: `GET /send/v1/partners/{partner-id}/crossborder/payment`

Because no quote was obtained, the exact amounts - including the applied FX rate - are only known after processing.

This flow is simpler and faster than the quote-based flows: one API call instead of two. It's suitable when the Sender doesn't need to see the exact rate before submitting, or when you take on the FX risk yourself.

## 2. Forward Payment (fees not included) {#2-forward-payment-fees-not-included}

The Sender specifies how much they want to send. The API calculates two things:

* How much the Recipient will receive (Sender Amount × Mastercard FX Rate).
* How much the Sender is charged in total (Sender Amount + fees).

Fees are added on top of the Sender Amount, so the full Sender Amount is converted and delivered to the Recipient.

### Preconditions {#preconditions-1}

* The corridor from the Sender Currency to the Recipient Currency is supported under your program configuration.

### Example sequence: Customer Managed Sender Pricing (CMSP) {#example-sequence-customer-managed-sender-pricing-cmsp-1}

Diagram send-fwd-wo-quote-wo-fees-cmsp-sequence

### Example sequence: Mastercard Managed Sender Pricing (MMSP) {#example-sequence-mastercard-managed-sender-pricing-mmsp-1}

Diagram send-fwd-wo-quote-wo-fees-mmsp-sequence

### Understanding this flow {#understanding-this-flow-1}

The API call is the same as the fees-included flow - a single Payment API call - but the calculation differs: fees are added on top of the Sender Amount rather than deducted from it. The full Sender Amount is converted and delivered to the Recipient at the Mastercard FX Rate available at processing time.

API Reference: `GET /send/v1/partners/{partner-id}/crossborder/payment`

## 3. Reverse Payment {#3-reverse-payment}

The Sender specifies how much the Recipient should receive rather than how much to send. The API calculates the total amount charged to the Sender using the Mastercard FX Rate at processing time.

### Preconditions {#preconditions-2}

* The corridor from the Sender Currency to the Recipient Currency is supported under your program configuration.

### Example sequence: Customer Managed Sender Pricing (CMSP) {#example-sequence-customer-managed-sender-pricing-cmsp-2}

Diagram send-rvs-wo-quote-cmsp-sequence

### Example sequence: Mastercard Managed Sender Pricing (MMSP) {#example-sequence-mastercard-managed-sender-pricing-mmsp-2}

Diagram send-rvs-wo-quote-mmsp-sequence

### Understanding this flow {#understanding-this-flow-2}

The API call is the same as the forward flows - a single Payment API call - but the direction of calculation is reversed:

* The Sender specifies the amount the Recipient should receive.
* The API calculates the required Sender Amount using the Mastercard FX Rate at processing time and adds fees on top.

Exact amounts - including the applied Mastercard FX Rate - are only known after processing.

API Reference: `GET /send/v1/partners/{partner-id}/crossborder/payment`

## Retrieve the Payment {#retrieve-the-payment}

Because no quote is obtained in this flow, the applied Mastercard FX Rate and final amounts are only visible after processing. Use the Retrieve Payment API with the `transaction_reference` to check the Payment status and the amounts that were applied.

API Reference: `GET /send/v1/partners/{partner-id}/crossborder`

## Check your account balance {#check-your-account-balance}

If you use the Prefunding Settlement Model or Collateral Settlement Model, you can use the Balance API to check your settlement account balances. You can retrieve balances for all your accounts, or for a specific account using its account ID.

API Reference: `GET /send/partners/{partner_id}/crossborder/accounts`


API Reference: `GET /send/partners/{partner_id}/crossborder/accounts/{account_id}`

## Related APIs {#related-apis}

The following APIs are available for all no-quote flows:

* [Retrieve Payment API](https://developer.mastercard.com/cross-border-services/documentation/api-ref/transaction-apis/retrieve-payment-api/index.md): After submission, use this to check the current status of the Payment. This matters more in the no-quote flow than in the others, because the applied Mastercard FX Rate and final amounts are only visible after processing.
* [Status Change API](https://developer.mastercard.com/cross-border-services/documentation/api-ref/transaction-apis/status-change-api/index.md): Checks the status of the Payment. Opt in to receive near real-time status updates via push notification when the Payment's status changes.
* [Cancel Payment API](https://developer.mastercard.com/cross-border-services/documentation/api-ref/transaction-apis/cancel-payment-api/index.md): Cancels a Payment that's still in PENDING status.

## Error resolution {#error-resolution}

For details on errors returned by the service, see the [Response Codes and Error Codes](https://developer.mastercard.com/cross-border-services/documentation/code-and-formats/index.md) section.