# Mastercard Send™, a Mastercard Move platform
source: https://developer.mastercard.com/mastercard-send/product/mastercard-send/index.md
Mastercard Send™ is part of the [Mastercard Move](https://developer.mastercard.com/product/move) portfolio of money movement capabilities powering a variety of payment experiences --- from personal payments to disbursements to business payments.
Mastercard Move is designed to move money domestically and internationally to various endpoints --- including bank account, digital wallet, card and cash --- reaching nearly 10 billion endpoints worldwide so people everywhere are empowered with the confidence, control and flexibility to thrive in the global economy.
### Mastercard Send: Benefits {#mastercard-send-benefits}
The Mastercard Send platform and services enable secure, near real-time payment transfers to and from billions of card and digital accounts globally. Program participants, such as banks, businesses, digital players and more, can modernize the way they send money domestically and internationally, making funds available to recipients almost instantly\*. Mastercard Send is proven to increase user spend and engagement.
###### Speed and satisfaction {#speed-and-satisfaction}
Transfer funds to recipients typically within seconds\* with 24/7/365 access and high approval rates, increasing consumer satisfaction and retention
###### Reach {#reach}
Provides a single API gateway to major card networks, enabling fast\* transfers from and to billions of cards around the world for many uses cases --- get to market faster and at a lower cost
###### Additional fraud checks {#additional-fraud-checks}
Provides additional services for retrieving card information and validating accounts and cardholders, which help protect and enrich your transfer solution
###### Secure and compliant {#secure-and-compliant}
Leverages the security of the Mastercard Network and capabilities to ensure safe and secure transactions
*\* Actual posting times for approved transactions will depend on the receiving financial institution.*
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### Mastercard Send transforms funding and payment transfers {#mastercard-send-transforms-funding-and-payment-transfers}
Mastercard Send enables people and organizations to send and receive money how, where and when they choose --- all with the best-in-class security you expect from Mastercard. Financial Institutions, acting as *Originating Institutions* , can integrate with Mastercard Send directly via a single connection or work with Mastercard-approved partners such as digital players, known as *Transaction Initiators*. Acting for the sender, the Originating Institution or Transaction Initiator (program participant) uses the Mastercard Send API services to transfer funds from the sending account to the receiving account.
The API services enable you, as a program participant, to build flexible solutions supporting many money movement experiences. Depending on the scenario, Mastercard Send funds transfers may involve one or both of these transactions:
* **Funding Transaction** to secure the funds from a sending card account --- use the **Funding** service
* **Payment Transaction** to deliver the funds to a receiving card account --- use either the **Person-to-Person** (P2P) service or the **Disbursements** service, depending on use case (see [Payment types](https://developer.mastercard.com/mastercard-send/documentation/send-at-a-glance/#payment-types))
You may need only one transaction per transfer if you hold the sending or receiving account. For example, a digital wallet app would use a Funding Transaction for a wallet top-up from a card account, and it would use a Payment Transaction for a wallet cash-out to a card account.
Example person-to-person (P2P) transfer using both transactions:
In the P2P payment app, Jill (the sender) initiates a money transfer from her card account to Jack's card account
You, the app provider, use the Mastercard Send Funding service to request a Funding Transaction to secure the funds from Jill's account
Mastercard Send processes the funding request and routes a Funding Transaction to Jill's account issuer, who approves the transaction and debits Jill's account
As funding is approved, you now use the Mastercard Send Person-to-Person service to request a Payment Transaction to deliver the funds to Jack's account
Mastercard Send processes the payment request and routes a Payment Transaction to Jack's account issuer, who approves the transaction and credits Jack's account
As payment is approved, Jack's and Jill's apps inform them that the transfer is successful
The additional services can help enhance your funds transfer solution, such as validating card accounts with issuers prior to initiating transfers, see [Resources](https://developer.mastercard.com/mastercard-send/product/mastercard-send/index.md#resources).
Mastercard Send enables funds transfers from and to major card networks in multiple regions. Depending on the region, this includes Mastercard and Maestro debit card accounts and non-Mastercard accounts, such as Visa debit cards. The Mastercard Send intelligent network routing capabilities eliminate the need to establish connections with multiple networks or build custom routing logic.
**NOTE:** Connectivity to multiple networks is available in selected markets. Mastercard does not transmit funds; all Mastercard Send and Mastercard Network funds are transmitted by a licensed Financial Institution for which Mastercard provides data processing services.
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### Why use it {#why-use-it}
Mastercard Send empowers you to capture a variety of new revenue opportunities.
### $220 trillion
addressable market for disbursements, remittances, and business payments globally (2024)
McKinsey Global Payments Map 2024
### $16 trillion
projected global digital wallet transaction values in 2028, increasing from $9 trillion in 2023
Juniper Research, Digital Wallets: Platform Analysis, Key Trends \& Market Forecasts 2023-2028
### 75%
of people say they would like all digital payments to be in real-time
Mastercard, Your real-time guide to real-time payments, 2023
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### Use cases {#use-cases}
Mastercard Send solves for a comprehensive range of money movement experiences:
###### Funding transfers {#funding-transfers}
Facilitate funding from individuals' card accounts to support transfers such as topping up prepaid cards and digital wallets, transferring funds to friends or personal savings (P2P and me-to-me), and funding crypto or gaming purchases
###### Person-to-person and me-to-me payments {#person-to-person-and-me-to-me-payments}
Enable individuals to make person-to-person and me-to-me payments to card accounts, such as sending money to family abroad, contributing to a friend's wedding gift, paying credit card bills, receiving gambling and crypto payouts, and doing wallet cash-out or cash pick-up (via money transfer agents)
###### Disbursements to individuals {#disbursements-to-individuals}
Empower businesses, governments, and non-profit organizations of all sizes to disburse funds to individuals, such as wages, freelancer or marketplace earnings, state benefits, insurance claim payouts, crypto payouts, gambling and gaming winnings, and humanitarian aid
###### Transfers to businesses {#transfers-to-businesses}
Help individuals and institutions (businesses, organizations or other entities) make payments to businesses, such as paying utility bills or education fees, and paying suppliers for delivery of goods
[](https://www.mastercard.us/en-us/business/large-enterprise/grow-your-business/mastercard-send/mc-send-domestic-payments.html)
See the [use case videos and whitepapers](https://www.mastercard.us/en-us/business/large-enterprise/grow-your-business/mastercard-send/mc-send-domestic-payments.html).
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### Create a best-in-class Mastercard Send experience
This guide provides you with the cutting-edge resources needed to implement a Mastercard Send experience efficiently and effectively. Find Figma-based white label flows that you can duplicate and use in your own environment. The guide covers many primary use cases in the end-to-end experience including API callouts and much more.
[View Experience Design Guide](https://developer.mastercard.com/mastercard-send-experience-design-guide/documentation/) 
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### How our partners use Mastercard Send {#how-our-partners-use-mastercard-send}
Mastercard Send helps power some of the most exciting person-to-person and disbursement solutions, for example:
PayPal uses Mastercard Send in select countries to enable consumers to 'cash out' their wallet balances and send the money to their Mastercard card in near real-time, rather than wait days. For more information, see the [press release](https://www.mastercard.com/news/europe/en-uk/newsroom/press-releases/en-gb/2020/october/mastercard-and-paypal-launch-instant-transfer-in-nine-european-markets/).
Allstate shortens payment times for disbursements, reduces costs, and increases consumer satisfaction with Mastercard Send. For more information, see the [success story](https://developer.mastercard.com/success-stories/allstate/).
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### Resources {#resources}
#### Funding and payment services {#funding-and-payment-services}
Mastercard Send Funding
Secures funds quickly from card accounts
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**Used By** Originating Institutions, Transaction Initiators (Issuers, Acquirers, Fintechs) **Regions** This API is available in most markets, use **Contact sales** for region information **Supports**  Mastercard Send Person-to-Person
Enables quick, safe and secure payments to card accounts, domestically and cross-border
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**Used By** Originating Institutions, Transaction Initiators (Issuers, Acquirers, Fintechs) **Regions** This API is available in most markets, use **Contact sales** for region information **Supports**  Mastercard Send Disbursements
Enables quick, safe and secure funds disbursements to card accounts, domestically and cross-border
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**Used By** Originating Institutions, Transaction Initiators (Issuers, Acquirers, Fintechs) **Regions** This API is available in most markets, use **Contact sales** for region information **Supports** 
#### Additional services {#additional-services}
Additional fees may apply for using some of these Value Added Services, as set forth in the Mastercard Consolidated Billing System manual or otherwise communicated by Mastercard to the program participant.
The following services can be used with the main funding and payment services to enhance funds transfer solutions:
Account Information Service
Retrieves information about card accounts, including sending and receiving eligibility, card type, card brand, and estimated funds availability time frame
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**Used By** Originating Institutions, Transaction Initiators (Issuers, Acquirers, Fintechs) **Regions** This API is available in most markets, use **Contact sales** for region information **Supports**  Account Verification Service (AVS)
Checks card accounts with issuers in near real time, including verifying an account is open and valid, the supplied address details, and Card Verification Code (CVC or CVV)
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**Used By** Originating Institutions, Transaction Initiators (Issuers, Acquirers, Fintechs) **Regions** All U.S., Canada, and U.K. Mastercard issuers support Account Verification requests - use **Contact sales** for region information **Supports**  Account Validation
Checks card accounts with issuers in near real time, including verifying an account is open and valid, the supplied cardholder names, and Card Verification Code (CVC or CVV) --- see [more information](https://developer.mastercard.com/product/mastercard-account-validation/)
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**Used By** Acquirers, Fintechs, Merchants **Regions** This API is available in limited markets, use **Contact sales** for region information **Supports**  Currency Conversion Calculator for Originating Institution Reconciliation
Accesses daily currency conversion rates, from transaction currency to Originating Institution settlement currency, for cross-border payment transactions --- see [more information](https://developer.mastercard.com/product/payment-currency-conversion/)
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**Used By** Originating Institutions (Issuers, Acquirers) **Regions** This API is available in most markets, use **Contact sales** for region information **Supports** 
The following service is for Originating Institutions who are sponsoring a partner's Mastercard Send transfer activity, see [more information](https://developer.mastercard.com/product/mastercard-send-parameter-management-services/). Documentation access is restricted to those customers. If you need access and an Access Restricted panel appears, please provide a detailed reason for access, including your company name, intended use case and Mastercard contact (if you have already engaged with a Mastercard representative).
Mastercard Send Parameter Management Services
Monitors and manages partners' Mastercard Send processing activity in near real time --- see [more information](https://developer.mastercard.com/product/mastercard-send-parameter-management-services/)
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**Used By** Sponsor Banks **Regions** This API is available in most markets, use **Contact sales** for region information
You can further expand your solution to support other experiences, such as cross-border transfers to bank accounts, by also integrating with [Mastercard Cross-Border Services™](https://developer.mastercard.com/product/cross-border-services/).
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### Ready to get started? {#ready-to-get-started}
Follow the steps below, which are detailed in the service documentation. Some steps are also covered by the Mastercard Send [Getting Started with the APIs](https://developer.mastercard.com/mastercard-send/documentation/implementation/getting-started/) guidance.
###### 1. Log in {#1-log-in}
Create and activate a Mastercard Developers account
###### 2. Review {#2-review}
Check out the service documentation (see [Resources](https://developer.mastercard.com/mastercard-send/product/mastercard-send/index.md#resources) above)
###### 3. Create {#3-create}
Add the service to a project in Mastercard Developers and generate Sandbox keys
###### 4. Try {#4-try}
Try the Sandbox APIs
###### 5. Register {#5-register}
[Register](https://developer.mastercard.com/mastercard-send/documentation/send-eligibility/) for the Mastercard Send Program and the required services\*
###### 6. Integrate {#6-integrate}
Develop and test with the APIs in the Mastercard Testing Facility (MTF)
###### 7. Go live {#7-go-live}
Request Production access, generate Production keys, validate your solution, and launch
\* If your solution will use multiple Mastercard Send services, you can integrate and test with them at the same time. Your Mastercard Delivery Manager (assigned after program registration) will provide guidance.
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