Mastercard® Send™
Mastercard® Send™ is a real-time push-to-card (PUSH Payment) payout service enabling businesses to disburse funds directly to eligible Mastercard debit cards.
Mastercard® Send™ is a real-time push-to-card (PUSH Payment) payout service enabling businesses to disburse funds directly to eligible Mastercard debit cards. It supports instant withdrawals, gig economy payouts, refunds, and remittances. Merchants benefit from fast settlement, reduced operational overhead, and global reach. Mastercard Send uses secure network rails for verification and fraud controls. Ideal for marketplaces, fintechs, and platforms requiring rapid, reliable payout infrastructure.
payment methods
What Mastercard® Send™ costs
Merchants do not pay Mastercard® Send™ directly. Each payment provider that offers it sets its own rate, so compare a few and ask them to quote.
What the last check found
Mastercard Send is Mastercard's own push-payment platform: APIs that let a registered "Program Participant" (Mastercard names acquirers, banks, issuers and "digital players") push funds to a card account or pull funds from one over Mastercard's rails. Mastercard places it under the Mastercard Move portfolio, beside Cross-Border Services. It splits into Disbursements (payouts to people and businesses), Person-to-Person, and Funding (pull from a card), plus lookups: Account Information, Account Verification, Account Validation, and a Currency Conversion Calculator for originating-institution reconciliation. Thirteen payment-type codes (A2A, B2B, P2P, PCL, GMR, CBP…) map to Mastercard TTIs or Visa BAIs. At message level the push is the MoneySend transaction (Visa's equivalent is an OCT), which is why gateways use "MoneySend" and "Mastercard Send" for the same rail — Checkout.com's card-payouts docs use both. They are one capability, not two.
For an integrator: this is money out, not card acceptance. A Mastercard acquiring agreement grants nothing here; eligibility is a scheme-assigned use-case code tied to line of business and region, and Mastercard requires program registration before MTF/production (sandbox is open beforehand). Mastercard also states it "does not transmit funds" — a licensed financial institution does. Reach covers Mastercard debit/credit/prepaid and, where connectivity exists, non-Mastercard debit such as Visa; Disbursements supports Mastercard and Visa, Funding/P2P also Maestro.
Where documentation is silent: coverage. Each service page says only "available in most markets… contact your Mastercard representative for region information," and warns transaction types "may be limited to particular countries or regions." No country or currency list is published on any host I could reach, and Adyen's method matrix, Stripe's and Worldline's payout pages never name it. The only named markets in Mastercard's docs are for Account Verification (U.S., Canada, U.K. issuers) — a lookup service, not the payout rail. The 180-country / 150-currency figures are Move portfolio marketing, not Send coverage. Hence no rows.
Checked against Mastercard® Send™’s own documentation on 21 October 2026. Coverage changes; confirm anything you are about to build on.
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Sources · 15
- Mastercard Send APIs — Mastercard Developers · developer.mastercard.comUsed for Identity: part of Mastercard Move; Funding/P2P/Disbursements descriptions; "available in most markets, use Contact sales for region information"; supported networks (Mastercard, Maestro, Visa); "Mastercard does not transmit funds"; Account Verification named only for U.S., Canada, U.K. issuersChecked 21 October 2026
- Mastercard Send — Services and Payment Types · developer.mastercard.comUsed for Service inventory (Disbursement, P2P, Funding, Account Information/Verification/Validation, Currency Conversion Calculator, Parameter Management); 13 payment-type codes mapped to TTIs/BAIs; "All transaction types are subject to eligibility and may be limited to particular countries or regions"Checked 21 October 2026
- Mastercard Send Disbursements — documentation · developer.mastercard.comUsed for Program Participant / Originating Institution model; receivable account types (Mastercard debit, credit, prepaid, mobile money; non-Mastercard debit incl. Visa where connectivity exists); region and pricing deferred to a Mastercard representativeChecked 21 October 2026
- Mastercard Send Disbursements — Support/FAQ · developer.mastercard.comUsed for Who may participate (acquirer, bank, issuer, digital player); registration required for MTF/production, sandbox open before; "For pricing and region information, contact your Mastercard representative" — the basis for empty coverage arraysChecked 21 October 2026
- Mastercard Move — Mastercard Developers · developer.mastercard.comUsed for Move is the umbrella portfolio containing Mastercard Send and Cross-Border Services; portfolio-level counts (180 countries, ~10bn endpoints, 150+ currencies) which are not Send-specific and name no countriesChecked 21 October 2026
- Checkout.com — Card Payouts · checkout.comUsed for Gateway view: "direct integrations with Visa Direct and Mastercard MoneySend" labelled "Mastercard Send" in scheme tables (second-label evidence); eligibility via scheme-assigned use-case code; businesses incorporated in EEA, Singapore, UAE, UK, USA; no destination countries or currencies statedChecked 21 October 2026
- Mastercard Send Account Information — documentation · developer.mastercard.comUsed for Cross-border eligibility checked against "the issuer's cross border enablement indicator for MoneySend or Visa OCT" (confirms MoneySend = the Send push message); "available in most markets" with no named marketsChecked 21 October 2026
- Runa — Push to Card introduction · developer.runa.ioUsed for Third-party confirmation that push-to-card is "Powered by Visa Direct and Mastercard Send"; coverage is per-product (example P2C-US, USD) and must be read from an API endpoint, so no attributable Send country listChecked 21 October 2026
- Adyen — Payment methods · docs.adyen.comUsed for Checked in full (both halves): no entry for Mastercard Send, MoneySend, push-to-card or OCT — the Mastercard entry is card acceptance onlyChecked 21 October 2026
- Worldline Direct — Payout · docs.direct.worldline-solutions.comUsed for Card payouts documented by payout reason (gambling: Visa; loyalty and pure refund: Visa/Mastercard) without naming Mastercard Send, and with no countries or currencies statedChecked 21 October 2026
- Mastercard Send — ISO 3166 Country Codes (implementation) · developer.mastercard.comUsed for The main over-claim trap, documented so it is not mistaken for coverage: ~250 ISO alpha-3 codes introduced as "The following codes are applicable for the Mastercard Send platform only", i.e. valid API field values, including CUB, IRN, PRK, SYR and RUS. It is a code reference, not an availability list. (Note the shorter path /mastercard-send/documentation/country-codes returns 404; only the /implementation/ path resolves.)Checked 21 October 2026
- Mastercard Developers — llms.txt docs index · developer.mastercard.comUsed for Evidence that the absence of a Send country list is "nobody publishes it" rather than "I could not find it": the host's own 546k-char index lists the Mastercard Send, Mastercard Move and Cross-Border Services product pages and does state market scope for other products (Open Finance Europe, BS Creditor API = Danish customers, Carbon Calculator China), but contains no Send availability or market-coverage page.Checked 21 October 2026
- Adyen — Instant payouts · docs.adyen.comUsed for The inference trap, recorded as rejected: lists 34 countries supporting card payouts (AU, CA, US, UK, CH, IS, NO, LI and the EEA states) and says payouts must be in the issuing country's currency without listing currencies — but never names Mastercard Send, MoneySend, Visa Direct or OCT, so the list is Adyen's product scope and is not attributable to Mastercard Send.Checked 21 October 2026
- Mastercard newsroom (AP, 15 March 2023) — Checkout.com to power instant money transfers in Australia, Hong Kong SAR and Singapore via Mastercard Send · newsroom.mastercard.comUsed for The only Mastercard-published statement naming a live Send market ("already available in Singapore", with Australia and Hong Kong SAR planned later in 2023) plus the unnamed "100+ markets" count — included so the judgement is auditable, but deliberately NOT recorded as coverage: it is a dated single-partner rollout and a 1-3 country row would misrepresent a method Mastercard describes as live in 100+ markets. No currencies named. (The www.mastercard.com copy of this release returns 403; the newsroom.mastercard.com URL resolves.)Checked 21 October 2026
- Cybersource — Payouts background information · developer.cybersource.comUsed for Checked because search summaries claimed it documents Mastercard Send country restrictions; it does not. The page mentions neither Mastercard Send nor MoneySend and names no countries or currencies (its scheme detail is Visa OCT only) — so it supports no coverage claim.Checked 21 October 2026
15 sources · last checked 21 October 2026 — each one says which claim it supports.
Compiled from public sources — verify with Mastercard® Send™ before you sign anything. How we compile this · Suggest a correction ·