# Mastercard® Cross-Border Services™, a Mastercard Move platform
source: https://developer.mastercard.com/cross-border-services/product/cross-border-services/index.md

Mastercard® Cross-Border Services™ 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 of any size.

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 Cross-Border Services: Benefits {#mastercard-cross-border-services-benefits}

![Certainty and predictability](https://static.developer.mastercard.com/content/cross-border-services/uploads/certainty_and_predictability.svg)

###### Certainty and predictability {#certainty-and-predictability}

Delivers a more predictable cross-border payments experience for remittances, payouts, and disbursements. It provides people and businesses with clarity and confidence through upfront visibility into exchange rates, fees, and expected delivery times.
![Single connection](https://static.developer.mastercard.com/content/cross-border-services/uploads/single_connection.svg)

###### Single connection {#single-connection}

Enables access to billions of bank accounts, mobile wallets, payment cards, and cash pickup locations across more than 190 countries and territories through a single, secure integration with Mastercard Cross-Border Services APIs.
![Greater optimization and less risk](https://static.developer.mastercard.com/content/cross-border-services/uploads/greater_optimization.svg)

###### Greater optimization and less risk {#greater-optimization-and-less-risk}

Enables banks and non-bank financial institutions, including fintechs, remittance providers, and platform partners, to optimize global payment strategies and processes. This helps reduce risk, lower cross-border transaction costs, and strengthen their ability to compete through customer value and experience.

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### Mastercard Cross-Border Services enable various types of fund transfer {#mastercard-cross-border-services-enable-various-types-of-fund-transfer}

The Cross-Border Services APIs enable financial institutions and partners to build flexible cross-border payment solutions that support a wide range of funds transfer and payment types through a single integration with the Mastercard Cross-Border Services API suite.  

For these transfers, the Originating Institution, a customer such as a bank, Money Transfer Operator (MTO), fintech, remittance provider, or other licensed non-bank financial institution, acts on behalf of the Sender, who initiates the payment.   

Funds are transferred to a Receiving Institution, such as a payout partner, beneficiary bank, mobile wallet operator, or cash-out location, that holds the Recipient's account.  

Depending on the transfer type, Senders and Recipients may include consumers, businesses, non-profit organizations, mobile money agents, and cash-out locations.
![how-it-works](https://static.developer.mastercard.com/content/cross-border-services/uploads/HowItWorks1.png)

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### Why use it {#why-use-it}

Mastercard Cross-Border Services enables banks and non-bank financial institutions to protect and grow their share of the growing cross-border payments market.

### $208 trillion

in global cross-border payment flows in 2025

FXC Intelligence's 2026 Cross-Border Payments Market Sizing

### $625 billion

in cross-border payments revenue in 2025

FXC Intelligence's 2026 Cross-Border Payments Market Sizing

### 7.4%

of anticipated growth in cross-border payments in 2024-2030

FXC Intelligence's 2026 Cross-Border Payments Market Sizing

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### Use cases {#use-cases}

Cross-Border Services supports a wide range of payment use cases and is well suited for low-value, high-volume payments, including consumer remittances, payouts, and disbursements. It also supports higher-value B2B payments in eligible markets.
![Person to Person (P2P)- Transfers between individuals](https://static.developer.mastercard.com/content/cross-border-services/uploads/p2p.svg)

###### Person to Person (P2P) - Transfers between individuals {#person-to-person-p2p---transfers-between-individuals}

Enable individuals to transfer funds to other individuals for use cases such as consumer remittances, family transfers, peer-to-peer payments.  
For example, sending money to family abroad, contributing to a friend's wedding gift, transfers to personal overseas savings accounts held overseas, and so on.
![Person to Business (P2B)- Transfers to businesses](https://static.developer.mastercard.com/content/cross-border-services/uploads/b2p.svg)

###### Person to Business (P2B) - Transfers to businesses {#person-to-business-p2b---transfers-to-businesses}

Help individuals to transfer funds to businesses for bill payments, tuition fees, and other cross-border consumer-to-merchant payment use cases.
![Business to Person (B2P)- Disbursements from business to individuals](https://static.developer.mastercard.com/content/cross-border-services/uploads/b2p-1.svg)

###### Business to Person (B2P)- Disbursements from business to individuals {#business-to-person-b2p--disbursements-from-business-to-individuals}

Empower businesses of all sizes to disburse funds to individuals through B2P payouts, mass payouts, and other disbursement models.  

For example, payroll payments (such as employee wages and international payroll), insurance claim payouts, humanitarian aid disbursements, and payouts to gig workers, content creators, freelancers, and marketplace sellers.
![Business to Business (B2B)- Transfers between institutions](https://static.developer.mastercard.com/content/cross-border-services/uploads/b2b.svg)

###### Business to Business (B2B)- Transfers between institutions {#business-to-business-b2b--transfers-between-institutions}

Provide a way for businesses, organizations, and other institutions to send cross-border B2B payments to other businesses.  

For example, supplier payments, invoice settlements, and SME and corporate trade payments in eligible markets.

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### Create a best-in-class Cross-Border Services experience

<br />

This guide provides you with the cutting-edge resources needed to efficiently and effectively implement an experience. 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/cross-border-services/documentation/experience-design-guide/) ![](https://static.developer.mastercard.com/content/cross-border-services/uploads/plp.png)

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### How our partners use Mastercard Cross-Border Services {#how-our-partners-use-mastercard-cross-border-services}

![bank-of-shanghai-logo](https://static.developer.mastercard.com/content/cross-border-services/uploads/logo_bankofshanghai.png)
Bank of Shanghai is working with Mastercard Cross-Border Services to offer people and businesses a more predictable and more certain way to pay and get paid across borders. With Mastercard Cross-Border Services, business customers will be able to transfer money to any local bank in China, reduce the cost of transactions, and access real-time exchange rates for the Chinese Yuan, all with a reduced need for additional documents and process.

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### Resources {#resources}

Mastercard Cross-Border Services

Enables financial institutions to build flexible solutions that support secure multiple payment experiences internationally via a single connection.

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**Used By** Originating Institutions **Regions** Global

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