# Payment (without Quote or Carded Rate) source: https://developer.mastercard.com/cross-border-services/documentation/use-cases/payment/index.md This type of payment applies the FX rate conversion available at the time of the transaction processing for the sender. For the complete list of supported transaction types, see [Use Cases.](https://developer.mastercard.com/cross-border-services/documentation/use-cases/index.md) The pricing model that you follow will help determine the type of the API call that you will use, the content you will send inside the API call, and the timing of when FX rates are retrieved. Learn more about the [Pricing Model](https://developer.mastercard.com/cross-border-services/documentation/use-cases/pricing-model/index.md). Payment without quote can be achieved in three different ways: ## 1. Forward Payment (fees included) {#1-forward-payment-fees-included} This is a forward Payment in which the sender specifies the Sending amount and currency for a payment including any applicable service fees and the amount received by recipient in the receiver currency is calculated. ##### ++Customer Managed Sender Pricing (CMSP) for an Originating Institution flow++: {#ucustomer-managed-sender-pricing-cmsp-for-an-originating-institution-flowu} As an example, below sequence shows a payment transaction of 100 USD to Phillippines as a forward payment including the service fees, in [CMSP](https://developer.mastercard.com/cross-border-services/documentation/use-cases/pricing-model/index.md) model. **Note**: The Originating Institution (OI) gets the rates from Cross-Border Services ahead of time and feeds into their system either using carded rates mechanism or Quotes API. This flow is not shown in the below diagram. For this example, let's assume the FX rate for USD to PHP conversion provided by Mastercard is 50 and service fees is 2 USD. Diagram send-fwd-wo-quote-fees-cmsp-sequence ##### ++Mastercard Managed Sender Pricing (MMSP) for an Originating Institution flow++: {#umastercard-managed-sender-pricing-mmsp-for-an-originating-institution-flowu} As an example, below sequence shows a payment transaction of 100 USD to Phillippines as a forward payment including the service fees, in [MMSP](https://developer.mastercard.com/cross-border-services/documentation/use-cases/pricing-model/index.md) model. Diagram send-fwd-wo-quote-fees-mmsp-sequence ## 2. Forward Payment (fees Not included) {#2-forward-payment-fees-not-included} This is a forward Payment in which the sender specifies the Sending amount and currency for a payment and Mastercard calculates the the amount received by the end recipient and also the amount charged to the sender with the service fees applied on top of the request send amount. ##### ++Customer Managed Sender Pricing (CMSP) for an Originating Institution flow++: {#ucustomer-managed-sender-pricing-cmsp-for-an-originating-institution-flowu-1} As an example, below sequence shows a payment transaction of 100 USD to Phillippines as a forward payment and apply the service fees on top of the sending amount, in [CMSP](https://developer.mastercard.com/cross-border-services/documentation/use-cases/pricing-model/index.md) model **Note**: The Originating Institution (OI) gets the rates from Cross-Border Services ahead of time and feeds into their system either using carded rates mechanism or Quotes API. This flow is not shown in the below diagram. For this example, let's assume the FX rate for USD to PHP conversion provided by Mastercard is 50 and service fees is 2 USD. Diagram send-fwd-wo-quote-wo-fees-cmsp-sequence ##### ++Mastercard Managed Sender Pricing (MMSP) for an Originating Institution flow++: {#umastercard-managed-sender-pricing-mmsp-for-an-originating-institution-flowu-1} As an example, below sequence shows a payment transaction of 100 USD to Phillippines as a forward payment and apply the service fees on top of the sending amount, in [MMSP](https://developer.mastercard.com/cross-border-services/documentation/use-cases/pricing-model/index.md) model. Diagram send-fwd-wo-quote-wo-fees-mmsp-sequence ## 3. Reverse Payment {#3-reverse-payment} This is a reverse payment in which the receiving amount in receiver currency is specified by the sender and the total amount charged to the sender is calculated. ##### ++Customer Managed Sender Pricing (CMSP) for an Originating Institution flow++: {#ucustomer-managed-sender-pricing-cmsp-for-an-originating-institution-flowu-2} As an example, below sequence shows a payment transaction of 5000 PHP as a reverse payment, in [CMSP](https://developer.mastercard.com/cross-border-services/documentation/use-cases/pricing-model/index.md) model. **Note**: The Originating Institution (OI) gets the rates from Cross-Border Services ahead of time and feeds into their system either using carded rates mechanism or Quotes API. This flow is not shown in the below diagram. For this example, let's assume the FX rate for USD to PHP conversion provided by Mastercard is 50 and service fees is 2 USD. Diagram send-rvs-wo-quote-cmsp-sequence ##### ++Mastercard Managed Sender Pricing (MMSP) for an Originating Institution flow++: {#umastercard-managed-sender-pricing-mmsp-for-an-originating-institution-flowu-2} As an example, below sequence shows a payment transaction of 5000 PHP as a reverse payment, in [MMSP](https://developer.mastercard.com/cross-border-services/documentation/use-cases/pricing-model/index.md) model Diagram send-rvs-wo-quote-mmsp-sequence ### API that you will use for this payment model: {#api-that-you-will-use-for-this-payment-model} [Payment API](https://developer.mastercard.com/cross-border-services/documentation/api-ref/payment-api/index.md) POST request to submit a payment transaction to transfer funds to the cross border recipient. ### Some of the other APIs that are available for your convenience are: {#some-of-the-other-apis-that-are-available-for-your-convenience-are} 1. [Retrieve Payment API](https://developer.mastercard.com/cross-border-services/documentation/api-ref/retrieve-payment-api/index.md) GET request to retrieve a payment transaction that was previously submitted. 2. [Status Change API](https://developer.mastercard.com/cross-border-services/documentation/api-ref/status-change-api/index.md) POST request to get an update on the status change of the transaction that was previously submitted. 3. [Cancel Payment API](https://developer.mastercard.com/cross-border-services/documentation/api-ref/cancel-payment-api/index.md) POST request to cancel a PENDING payment transaction that was previously submitted.