Mastercard Send™ is part of the Mastercard 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.

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.

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)

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:

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