# Use Cases
source: https://developer.mastercard.com/mastercard-send-avs/documentation/use-cases/index.md

The examples below show how the API could be used to check card accounts in these scenarios:

* Person-to-person (P2P) payment
* Disbursement

Note that these examples do not prescribe the design and interactions of your funds transfer service; those aspects are for you to define. In these diagrams, you are the 'OI / TI' (Originating Institution or Transaction Initiator, depending on your implementation model).

## P2P Payment Example {#p2p-payment-example}

In this example, a Sender is using your funds transfer app to initiate a transfer to a friend (the Recipient). You could use two Account Verification API calls to check the sending card account and the receiving card account:

1. When the Sender adds their sending card to your app, use an [Account Verification POST](https://developer.mastercard.com/mastercard-send-avs/documentation/api-reference/index.md) request to check that card account. Using the information from the API response, you can notify the Sender whether the card account has been verified.

2. When the Sender initiates a funds transfer and provides details of the receiving card account, use an [Account Verification POST](https://developer.mastercard.com/mastercard-send-avs/documentation/api-reference/index.md) request to check that card account. Using the information from the API response, you can decide whether the transfer can proceed.

The following sequence diagram shows only the Account Verification part of the payment flow. If the verification is successful and you decide to proceed, you can then use the [Mastercard Send Person-to-Person](https://developer.mastercard.com/mastercard-send-person-to-person/documentation/) Payment Transfer API to request the transfer via Mastercard Send.
Diagram mastercard-send-sequence-avs

## Disbursement Example {#disbursement-example}

In this example, an Insurance Agent is using your disbursement app to initiate a disbursement to a claimant (the Recipient).

When the Agent initiates the disbursement and selects a receiving card on file (or provides details of a new receiving card account), use an [Account Verification POST](https://developer.mastercard.com/mastercard-send-avs/documentation/api-reference/index.md) request to check that card account. Using the information from the API response, you can:

* Notify the Agent whether the card account has been verified.
* Decide whether the transfer can proceed with that card account.

The following sequence diagram shows only the Account Verification part of the payment flow. If the verification is successful and you decide to proceed, you can then use the [Mastercard Send Disbursements](https://developer.mastercard.com/mastercard-send-disbursements/documentation/) API to request the disbursement via Mastercard Send.
Diagram mastercard-send-sequence-avs-disbursement