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

These example use cases demonstrate a disbursement facilitated by this API. They are based on the graphical [Withdraw balance as gig worker or content creator](https://developer.mastercard.com/mastercard-send-experience-design-guide/documentation/design/disbursements/withdraw-balance-as-gig-worker/) flow in the Mastercard Send Experience Design Guide. Note that these examples do not prescribe the design and interactions of your service; those aspects are for you to define.

### Scenario {#scenario}

* John Doe (the Recipient) is a gig worker who uses a mobile gig app to find work and receive his earnings. He chooses to withdraw all his earnings (account balance).

* John has already added his receiving card account details to his app account.

* You (the Transaction Initiator) provide the app, and all app users' gig earnings are collected in your business account. When app users request their earnings, you use the Mastercard Send APIs to disburse their funds from your account (the sending account) to their card accounts.

* Your app provides a fast\* card payment method, which has a transaction fee.

* You are partnering with a bank, who is a Mastercard customer and holds your business account. They sponsor your Mastercard Send transaction activity and are therefore regarded as the 'Sponsor Bank' or 'Sponsor Originating Institution' for your implementation.

  \* We recommend that you explain transfer times carefully in your app screens to increase clarity and avoid confusion. For example, if you use "instant" or "fast" to describe your most rapid transfer time, consider including asterisk disclaimer text such as: *\*Transfer times can vary. Most "instant" or "fast" transfers will take place in near real time but can take longer.*

Some example app screens --- the numbers relate to the steps in the flow below:

![Example screens](https://static.developer.mastercard.com/content/mastercard-send-disbursements/documentation/img/mastercard-send-screens-disbursement-2.png)

### Overall flow {#overall-flow}

Diagram mastercard-send-sequence-disbursement-overview

1. In the app home screen, which shows the current account balance, John taps **Withdraw**.

   The app populates the withdrawal amount with the full balance ($635.25 USD) and preselects his saved card account and the fast payment method. He can adjust the amount and payment options.
2. John continues by tapping **Withdraw** again.

   We recommend you check the receiving account is valid and eligible for this disbursement. You can use the [Account Information](https://developer.mastercard.com/mastercard-send-account-info/documentation/), [Account Verification](https://developer.mastercard.com/mastercard-send-avs/documentation/), and [Account Validation](https://developer.mastercard.com/account-validation/documentation/) services to do this.

   The app shows the transaction fee ($6.35 USD) and the calculated receiving amount ($628.90 USD).
3. John confirms and initiates the disbursement by tapping **Confirm Withdrawal**.

4. Use a Disbursement API POST call to [create a disbursement](https://developer.mastercard.com/mastercard-send-disbursements/documentation/use-cases/create-disbursement/index.md) to deliver the funds ($628.90 USD) to John's receiving account.

5. If the disbursement status is 'APPROVED', the app indicates success and shows the updated account balance in the home screen.

6. If the status is 'UNKNOWN', possibly due to timeouts or network communication issues, wait 40 seconds and use a Disbursement API GET call to [retrieve the disbursement](https://developer.mastercard.com/mastercard-send-disbursements/documentation/use-cases/retrieve-disbursement/index.md) details, including its latest status; see [this guidance](https://developer.mastercard.com/mastercard-send-disbursements/documentation/tutorials-and-guides/exception-management/index.md#procedure-when-transaction-status-unknown-or-pending). The status should change to 'APPROVED' or 'DECLINED'. If the status is 'DECLINED', the codes in the GET response can indicate the reason, see [here](https://developer.mastercard.com/mastercard-send-disbursements/documentation/response-error-codes/network-response-codes/index.md).

7. When the status changes to 'APPROVED' or 'DECLINED', the app indicates the outcome.

Your Sponsor Originating Institution debits your sending account for approved disbursements.

See the detailed flows (links above) for the API calls to create and retrieve the disbursement.

The approved API calls result in the accounts being credited or debited. The actual funds move between the financial institutions --- from your Sponsor Originating Institution to John's Receiving Institution --- when they go through the settlement process.

### Further details {#further-details}

* [API Reference](https://developer.mastercard.com/mastercard-send-disbursements/documentation/api-reference/disbursement/index.md) provides the API specification that describes the API request and response fields.
* [Disbursement Status](https://developer.mastercard.com/mastercard-send-disbursements/documentation/response-error-codes/status/index.md) shows the possible status values.
* [Error Codes](https://developer.mastercard.com/mastercard-send-disbursements/documentation/response-error-codes/error-codes/index.md) describes the API error responses.