# Mastercard Send™ 2.0 Registration and Eligibility source: https://developer.mastercard.com/mastercard-send/documentation/send-2-registration/index.md The Mastercard Send 2.0 API platform and services facilitate funds transfers and are intended for use by specific types of customer, see [Participants](https://developer.mastercard.com/mastercard-send/documentation/send-2-registration/index.md#participants). Mastercard Send 2.0 is a part of the overall Mastercard Send solution, which enables payments and funding via a transaction type called 'MoneySend'. To use Mastercard Send 2.0, you must: * Become a Mastercard Send Program Participant, which involves registering for the required [program(s)](https://developer.mastercard.com/mastercard-send/documentation/send-2-registration/index.md#programs) and meeting program eligibility requirements. * Adhere to Mastercard Send Program Standards and Rules, and ensure all connected Third Parties adhere, while using the platform and services. **To start registration and get more information about Mastercard Send 2.0, please contact your Mastercard regional representative.** If you do not have a Mastercard representative, please [contact us](mailto:digital.support@mastercard.com) to request a regional representative, identifying your company name and region, Mastercard Send 2.0, and the use case(s) you have in mind. Note: This page summarizes registration and the project implementation phases, to give you an idea of what is involved when registering for Mastercard Send 2.0. This information is subject to change. **Please do not plan your project based on this information.** Projects vary and your Mastercard Delivery Manager, assigned during onboarding, can provide further details and will work with you on a customized implementation plan for your project. The Mastercard Test Facility (MTF) and Production environments will not be accessible until your program is approved and implemented by the Mastercard Delivery Manager and team. ## Participants {#participants} Mastercard Send is intended for use by specific types of Mastercard customers, including (but not limited to): * Financial Institutions, banks, Issuers, and Acquirers * Licensed money transmitters * Service Providers and digital players partnering with Financial Institutions/sponsors * Businesses that send funds belonging to them or their customers * Governments and humanitarian aid organizations disbursing their own funds Mastercard will assess the suitability of prospective Program Participants during the Mastercard Send program registration phase. Mastercard Send supports different implementation models. Depending on your type of organization and intended implementation, you typically act as an *Originating Institution (OI)* or *Transaction Initiator (TI)*, integrating with the APIs directly or working with approved partners, such as Service Providers, to deliver your solution: * **Originating Institution (OI)** --- A Mastercard customer, such as a Financial Institution, that either: * Connects to Mastercard Send directly to create transactions for the funds transfers of its customers (**1** in image below) or a partner TI (**2**) * Acts as a *Sponsor OI* (bank), sponsoring a partner TI's program and Mastercard Send connection and activity (**3**) * **Transaction Initiator (TI)** --- A Mastercard-approved entity, such as a fintech or digital player, that has the direct relationship with the customer (Sender) initiating the funds transfer. The TI either: * Connects to Mastercard Send directly to create transactions for the funds transfers of its customers and is sponsored by a Sponsor OI (**3**) * Connects to an OI, which creates the transactions for the TI (**2**) ![Example implementation models](https://static.developer.mastercard.com/content/mastercard-send/documentation/img/Participant_types.png) In some situations, you can be both the OI and TI, for example, a bank providing a funds transfers app for its customers (**1** in image above). *Implementations may also include registered third-party processors, Service Providers, and Transfer Acceptors (not shown). Transfer Acceptors (also known as Card Acceptors), are entities accepting the credentials of the transfer, such as merchants providing the transfer facility to Senders through point-of-sale (POS) terminals. The examples above are not exhaustive and may not be available in all regions. Your Mastercard representative can advise on suitable implementation models for your intended solution.* Definitions and requirements for each Program Participant type are provided by the Program Standards documents; see [Programs](https://developer.mastercard.com/mastercard-send/documentation/send-2-registration/index.md#programs) below. ## Programs {#programs} Mastercard Send comprises the programs listed below. You (as a prospective OI) register your organization and implementation partners for the program(s) relevant to your intended funds transfer solution. | Program | Description | Standards Document\* | |-------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------| | MoneySend Payment \& Funding Transactions | Governs various types of Payment and Funding Transactions that are used to transfer funds from/to Mastercard®, Maestro®, and Cirrus® branded Card Accounts via Mastercard Interface Processor (MIP) or Mastercard Send APIs. | [*Mastercard MoneySend and Funding Transactions Program Standards*](https://trc-techresource.mastercard.com/r/bundle/m_mmsfta_en-us/page/d/en-US) and addendums | | Gaming and Gambling Payments | Governs Payment Transactions that transfer gaming and gambling payouts to Mastercard® and Maestro® branded Card Accounts via MIP or Mastercard Send APIs. *Refer to Mastercard Gaming and Gambling Payments Program Standards for a list of available markets.* | [*Mastercard Gaming and Gambling Payments Program Standards*](https://trc-techresource.mastercard.com/r/bundle/m_GGPPS_en-us/page/d/en-US) | \* The Program Standards documents and [Mastercard Rules](https://trc-techresource.mastercard.com/r/bundle/m_mcrs_en-us/page/d/en-US) are available in the [Technical Resource Center](https://trc-techresource.mastercard.com/) on Mastercard Connect. (For Mastercard Send documents, select the **Send by Mastercard Move** Product/Service filter.) You need a Mastercard Connect account to access the Technical Resource Center; see [Accessing Mastercard Connect](https://developer.mastercard.com/mastercard-send/documentation/send-2-registration/index.md#accessing-mastercard-connect). ## Registration Forms {#registration-forms} The forms mentioned in this section are available using the links below, from the [Forms Library](https://forms-techresource.mastercard.com/) on Mastercard Connect, or provided by Mastercard. You need a Mastercard Connect account to access the Forms Library; see [Accessing Mastercard Connect](https://developer.mastercard.com/mastercard-send/documentation/send-2-registration/index.md#accessing-mastercard-connect). ### Forms for Originating Institutions (OIs) {#forms-for-originating-institutions-ois} When registering for the required programs, you (as a prospective OI) will need to submit forms and other documents for your organization and your implementation partners. The table below summarizes which of the main forms are required. Additional forms and documents may be required for your implementation---your Mastercard representative will advise you and you should refer to the Program Standards documents for details on registration. (An Interbank Card Association (ICA) number is a unique identification number assigned by Mastercard to identify each OI and TI.) | Form | MoneySend Payment \& Funding Transactions | Gaming and Gambling Payments | |-------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------|-----------------------------------------------------------------| | [*Universal Onboarding Template -- New Licensed Customer Application*](https://form.mastercard.com/jfe/form/SV_6qXYVujEUEnuCtE) (1400) | Yes, if you are not a Mastercard customer. | Yes, if you are not a Mastercard customer. | | [*Mastercard Send Enrollment Request for Originating Institutions*](https://form.mastercard.com/jfe/form/SV_3OtwmrfswSROCfs) (1060, also replaces 637) | Yes. An addendum may be required for Value Added Services. | Yes, for the OI and each Sender the OI wants to sponsor. | | [*Mastercard Send Enrollment Request for Transaction Initiators and Senders*](https://form.mastercard.com/jfe/form/SV_805mPDfCNJnNMgK) (1190, 1190a, 1190g, 1348) | Yes, for each TI. Yes, if the Sender is a Disburser.† | Yes, for each TI. Yes, for each Sender the OI wants to sponsor. | *† Approved OIs supporting Disbursers that originate U.S. domestic transactions for certain use cases only do not require individual registration with Mastercard.* **New digital forms:** The links in the table above point to new digital forms that replace old Word and PDF forms. These new digital forms have been introduced since 12 June 2023. While we update our documentation, you might still see references and links to the old Word/PDF forms, which will no longer be accepted. Please use the new digital forms instead. You will also need to make changes and provide information via the My Company Manager application on [Mastercard Connect](https://www.mastercardconnect.com/), such as adding a new program and registering Service Providers to be Mastercard Service Providers (MSPs). The Mastercard Customer Implementation Services (CIS) team, assigned during implementation, can advise you and provide the required forms. ### Forms for Receiving Institutions (RIs) {#forms-for-receiving-institutions-ris} Mastercard Issuers (Receiving Institutions, RIs) do not need to register to participate in the MoneySend Payment Transactions Program, but they do need to notify Mastercard when they are ready to accept those Payment Transactions and they must adhere to Program Standards. In those countries where the Gaming and Gambling Payments Program is available, eligible RIs are automatically enrolled in the Program. RIs who want to opt out Bank Identification Numbers (BINs) from the Program, or update a previous opt-out submission, can use the BIN Verification Questionnaire (BVQ). ## Onboarding and Implementation Overview {#onboarding-and-implementation-overview} As mentioned, the Mastercard representative helps get you started. Once eligibility requirements are met (including agreements, licenses and establishing financial accounts) and all Program Participants have been identified and approved, the Mastercard representative will request a Delivery Manager to facilitate your program implementation. Once assigned, your project will be kicked off with all appropriate parties. Your Delivery Manager will oversee the implementation process and will be available to ensure successful end-to-end implementation. They will also engage the CIS team, which will help configure the MTF and Production environments, help with test cases, and so on. An example of a project lifecycle is summarized below; your project may differ. | Phase | Estimated Duration‡ | Implementation Dependencies and Milestones | Assistance Provided by | |-------------------|---------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------| | 1: Sales | --- | 1. Participant forms submitted 2. Access granted to Mastercard Developers site services 3. Project scope details collected 4. Confirm project scope, implementation model and all applicable API services to be included 5. Add a new program in Mastercard Connect via the My Company Manager application (with 'Acquiring for Mastercard Send' comment) 6. Obtain acquiring license with all applicable third-party networks 7. Ensure all Program Participants are identified and approved via applicable forms | Regional representative | | 2: Planning | 2 -- 4 weeks | 1. Mastercard Delivery Manager assigned 2. Confirm requirements 3. Organize working team 4. Confirm target launch date 5. Confirm all acquiring licenses have been obtained or are near completion | Delivery Manager | | 3: Implementation | 1 -- 3 months | 1. API development complete 2. Reporting set up 3. MTF environment onboarding complete 4. API testing and validation in MTF 5. Production onboarding complete | Delivery Manager, CIS team | | 4: Launch | 2 -- 4 weeks | 1. Confirm rollout and launch plan 2. Planning of Command Center 3. Pilot launch/Proof of Concept (including end-to-end testing) 4. Market launch 5. Production validation and transaction monitoring 6. Post-implementation review | Delivery Manager | *‡ These are example durations. Timelines will vary depending on the scope of the project.* ## Resources {#resources} In addition to the resources already mentioned on this page, these Mastercard Send items are also useful during implementation: | Resource | Description | Access | |-----------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------| | [Mastercard Send Site](https://www.mastercard.us/en-us/business/large-enterprise/grow-your-business/mastercard-send/mc-send-domestic-payments.html) | Provides general information about Mastercard Send, benefits, and use cases. | Public | | Mastercard Send Customer Site | Enables Program Participants to research Mastercard Send transactions and access Mastercard Send reports. There are two versions of this application, which relate to either MTF or Production. | Request from **Store** in [Mastercard Connect](https://www.mastercardconnect.com/) | | My Company Manager | Allows you to manage your company and portfolio information for Mastercard assets, including BINs and account ranges. There are two versions of this application, which relate to either MTF or Production. | Request from **Store** in [Mastercard Connect](https://www.mastercardconnect.com/) | ### Accessing Mastercard Connect {#accessing-mastercard-connect} If you do not have a Mastercard Connect account, you can [sign up](https://www.mastercardconnect.com/-/sign-up) via that site. If your company is not listed, you will need to register your Administrators; contact your Mastercard representative for the *Mastercard Connect Access Form* (1145 or 1145b).