Mastercard Send Gambling Payout

What is Gambling Payout?

A payout is a Push-type transaction. It enables merchants to transfer funds directly from their balance to the recipient’s selected payment instrument. If the recipient’s payment instrument is a card, it must be a Mastercard. Payouts that are marked as gambling operate within the B2C (Business to Consumer) model. It should be noted that a gambling payout is not a type of refund. It represents the payment of a gambling prize and is identified by a dedicated MCC code – 7995.

Note: According to Mastercard Rules (Acceptance Procedures), a gambling payout is a gaming disbursement and is classified as "High-Risk Securities Business" or "High-Risk Brand Tax". This imposes an obligation on the Merchant's Bank to verify that the Merchant holds a valid license issued by the appropriate government authority.

How does it work?

To execute a gambling payout, a request must be sent to the following endpoint:
POST {base_url}/v1/partners/{partner_id}/disbursements/payment. In this request, the partner_id serves as the unique identifier for the Bank (or the Technical Provider acting on its behalf) that is initiating the payout. Parameters payment_type set to GMR - gaming repay and merchant_category_code set to 7995. This value ensures that Mastercard Send recognizes the transaction specifically as a gambling payout, triggering the appropriate processing logic. In the Mastercard Send API, there is no transaction_purpose code intended for payouts of gambling winnings; therefore, this value should be set to 08 which means "other".

Request info

Click to expand example request body in JSON format

{
  "payment_disbursement": {
    "disbursement_reference": "HAPPYPATH_DISB_000001",
    "payment_type": "GMR", // This value must be GMR if the transaction is gambling payout
    "amount": "5300",
    "currency": "USD",
    "sender_account_uri": "pan:5102589999999921;exp=2077-02;cvc=123",
    "sender": {
      "first_name": "XYZ",
      "last_name": "Record Store",
      "account_type": "03",
      "address": {
        "line1": "101 Main St",
        "line2": "Unit 5",
        "city": "Chicago",
        "country_subdivision": "IL",
        "postal_code": "60618",
        "country": "USA"
      }
    },
    "recipient_account_uri": "pan:5102589999999913;exp=2077-08;cvc=123",
    "recipient": {
      "first_name": "Vinyl",
      "last_name": "Importers",
      "account_type": "03",
      "address": {
        "line1": "234 Spiral Drive",
        "line2": "Unit B",
        "city": "St. Louis",
        "country_subdivision": "MO",
        "postal_code": "63368",
        "country": "USA"
      },
      "name_on_account": "Lucy Lawrence"
    },
  "payment_disbursement": {
    "participant": {
      "merchant_category_code": "7995", // This value must be 7995 if the transaction is gambling payout
      "mastercard_assigned_merchant_id": "12AB46",
      "purchase_trace_id": "MS12ybwmc020404",
      "transfer_acceptor_address": {
        "line1": "123 Elm St",
        "line2": "Apartment 9",
        "city": "Chicago",
        "country_subdivision": "IL",
        "postal_code": "60618",
        "country": "USA"
      }
    }
  },
    "funding_source": "CASH",
    "transaction_purpose": "08",
    "payment_origination_country": "USA"
  }
}

Click to expand request parameter's description

PARAMETER	VALUE	DESCRIPTION
`payment_disbursement.disbursement_reference`	HAPPYPATH_DISB_000001	string Required. A partner-assigned unique reference identifier for the disbursement. Alphanumeric and * , - . _ ~. Length 6-40.
`payment_disbursement.payment_type`	GMR	string Conditional. Payment type of the disbursement. The allowed payment types for the partner must be enabled by Mastercard during onboarding. If the partner is enabled for multiple payment types, the appropriate payment type must be provided. Otherwise the field is optional. Valid values: AMS = Rapid Merchant Settlement B2B = General Business-to-Business Transfer FRD = Fast Refund GMR = Gaming Repay
`payment_disbursement.amount`	5300	number Required. The amount to be transferred. Numeric integer, 1-999999999999. The decimal point is implied based on the relevant currency exponent. For example, a US Dollar $53 amount is a value of 5300.
`payment_disbursement.currency`	USD	string Required. The currency of the amount as an ISO 4217 uppercase alpha-3 currency code; For example, US Dollars is USD.
`payment_disbursement.sender_account_uri`	pan:5102589999999921;exp=2077-02;cvc=123	string URI identifying the Sender's account number for this disbursement (payment transaction). For disbursements to Mastercard accounts, you must provide a value in this field, for example the full PAN or token (for a card account), full account number (for a Deposit or Bank Account), or full wallet ID (for a wallet).
`payment_disbursement.recipient_account_uri`	pan:5102589999999111;exp=2055-01;cvc=231	string URI identifying the recipient's account number for this disbursement (payment transaction). For disbursements to Mastercard accounts, you must provide a value in this field, for example the full PAN or token (for a card account), full account number (for a Deposit or Bank Account), or full wallet ID (for a wallet).
`payment_disbursement.sender`		object Information about the sender of the transaction. Optional. If you provide this object, you must provide first_name and last_name.
`payment_disbursement.sender.first_name`	Metal	string The sender's first name. When sender.first_name is present in request, then sender.last_name is required. Alphanumeric Special [a-zA-Z0-9 !"#$%&'()*+,-./\:;<=>?@[]_`{\|}~ÀÁÂÃÄÅÇÈÉÊËÌÍÎÏÑÒÓÔÕÖÙÚÛÜÝàáâãäåçèéêëìíîïñòóôõöùúûüýÿ], length 1-40. If the disburser is a business, provide the business name using both the first_name and last_name fields.
`payment_disbursement.sender.last_name`	Record Store	String required The sender's last name. When sender.last_name is present in request, then sender.first_name is required. Alphanumeric Special [a-zA-Z0-9 !"#$%&'()*+,-./\:;<=>?@[]_`{\|}~ÀÁÂÃÄÅÇÈÉÊËÌÍÎÏÑÒÓÔÕÖÙÚÛÜÝàáâãäåçèéêëìíîïñòóôõöùúûüýÿ], length 1-40. If the disburser is a business, provide the business name using both the first_name and last_name fields.
`payment_disbursement.sender.account_type`	03	String optional Identifies the sender's account number type. This field is optional. Valid values: '00' Other, '01' RTN + Bank Account, '02' IBAN, '03' Card Account, '04' Email, '05' Phone Number, '06' Bank account number (BAN) + Bank Identification Сode (BIC), '07' Wallet ID, '08' Social Network ID. Numeric, 2 characters.
`payment_disbursement.sender.address`		object Sender's address. Optional. If you provide this object, you must provide line1, city and country.
`payment_disbursement.sender.address.line1`	101 Main St	string Required. First line of the sender's address. Alphanumeric Special [a-zA-Z0-9 !"#$%&'()*+,-./\:;<=>?@[]_`{\|}~ÀÁÂÃÄÅÇÈÉÊËÌÍÎÏÑÒÓÔÕÖÙÚÛÜÝàáâãäåçèéêëìíîïñòóôõöùúûüýÿ], length: 1-50. If you cannot provide the actual value, you must provide the alternative value '#NOTINCLUDED'.
`payment_disbursement.sender.address.line2`	Unit 5	string Second line of the sender's address. Alphanumeric Special [a-zA-Z0-9 !"#$%&'()*+,-./\:;<=>?@[]_`{\|}~ÀÁÂÃÄÅÇÈÉÊËÌÍÎÏÑÒÓÔÕÖÙÚÛÜÝàáâãäåçèéêëìíîïñòóôõöùúûüýÿ]
`payment_disbursement.sender.address.city`	Chicago	string Required. The sender's city. Alphanumeric Special [a-zA-Z0-9 !"#$%&'()*+,-./\:;<=>?@[]_`{\|}~ÀÁÂÃÄÅÇÈÉÊËÌÍÎÏÑÒÓÔÕÖÙÚÛÜÝàáâãäåçèéêëìíîïñòóôõöùúûüýÿ], length: 1-25. If you cannot provide the actual value, you must provide the alternative value '#NOTINCLUDED'.
`payment_disbursement.sender.address.country_subdivision`	IL	string The sender's province, state or territory. Conditional, required if sender's country is USA or CAN. Must be an ISO 3166-2 uppercase alpha 2 or 3 character country subdivision code. For example, Missouri is MO.
`payment_disbursement.sender.address.postal_code`	60618	string The sender's postal code. For USA, this must be a valid value of 5 digits or 5 digits hyphen 4 digits, for example '63368', '63368-5555'. For other regions, this can be alphanumeric, length 1-10.
`payment_disbursement.sender.address.country`	USA	string Required. The sender's country as an ISO 3166-1 uppercase alpha-3 country code; For example, the United States of America is USA.
`payment_disbursement.recipient`		Recipient Information about the recipient of the transaction. Conditional. If a 'pan' scheme is provided in the recipient_account_uri, this recipient object is required. If you provide this object, you must provide first_name and last_name.
`payment_disbursement.recipient.last_name`	Vinyl	string Required. The recipient's last name. Alphanumeric Special [a-zA-Z0-9 !"#$%&'()*+,-./\:;<=>?@[]_`{\|}~ÀÁÂÃÄÅÇÈÉÊËÌÍÎÏÑÒÓÔÕÖÙÚÛÜÝàáâãäåçèéêëìíîïñòóôõöùúûüýÿ], length 1-40. If you cannot provide the actual value, you must provide the alternative value '#NOTINCLUDED'.
`payment_disbursement.recipient.first_name`	Importers	string Required. The recipient's first name. Alphanumeric Special [a-zA-Z0-9 !"#$%&'()*+,-./\:;<=>?@[]_`{\|}~ÀÁÂÃÄÅÇÈÉÊËÌÍÎÏÑÒÓÔÕÖÙÚÛÜÝàáâãäåçèéêëìíîïñòóôõöùúûüýÿ], length 1-40. If you cannot provide the actual value, you must provide the alternative value '#NOTINCLUDED'.
`payment_disbursement.recipient.account_type`	03	string Identifies the recipient's account number type. This field is optional. Valid values: '00' Other, '01' RTN + Bank Account, '02' IBAN, '03' Card Account, '04' Email, '05' Phone Number, '06' Bank account number (BAN) + Bank Identification Сode (BIC), '07' Wallet ID, '08' Social Network ID. Numeric, 2 characters.
`payment_disbursement.recipient.address`		object Recipient's home address. Conditional, required when it is a Visa OCT disbursement and Recipient Account URI institution country is CAN. If you provide this object, you must provide line1 and city.
`payment_disbursement.recipient.address.line1`	234 Spiral Drive	string Required. First line of the recipient's address. Alphanumeric Special [a-zA-Z0-9 !"#$%&'()*+,-./\:;<=>?@[]_`{\|}~ÀÁÂÃÄÅÇÈÉÊËÌÍÎÏÑÒÓÔÕÖÙÚÛÜÝàáâãäåçèéêëìíîïñòóôõöùúûüýÿ], length: 1-50. If you cannot provide the actual value, you must provide the alternative value '#NOTINCLUDED'.
`payment_disbursement.recipient.address.line2`	Unit B	string Second line of the recipient's address. Alphanumeric Special [a-zA-Z0-9 !"#$%&'()*+,-./\:;<=>?@[]_`{\|}~ÀÁÂÃÄÅÇÈÉÊËÌÍÎÏÑÒÓÔÕÖÙÚÛÜÝàáâãäåçèéêëìíîïñòóôõöùúûüýÿ]
`payment_disbursement.recipient.address.city`	St. Louis	string Required. The recipient's city. Alphanumeric Special [a-zA-Z0-9 !"#$%&'()*+,-./\:;<=>?@[]_`{\|}~ÀÁÂÃÄÅÇÈÉÊËÌÍÎÏÑÒÓÔÕÖÙÚÛÜÝàáâãäåçèéêëìíîïñòóôõöùúûüýÿ], length: 1-25. If you cannot provide the actual value, you must provide the alternative value '#NOTINCLUDED'.
`payment_disbursement.recipient.address.country_subdivision`	MO	string The recipient's province, state or territory. Conditional, required if sender's country is USA or CAN. Must be an ISO 3166-2 uppercase alpha 2 or 3 character country subdivision code. For example, Missouri is MO.
`payment_disbursement.recipient.address.postal_code`	63368	string The recipient's postal code. For USA, this must be a valid value of 5 digits or 5 digits hyphen 4 digits, for example '63368', '63368-5555'. For other regions, this can be alphanumeric, length 1-10.
`payment_disbursement.recipient.address.country`	USA	string Required. The sender's country as an ISO 3166-1 uppercase alpha-3 country code; For example, the United States of America is USA.
`payment_disbursement.recipient.name_on_account`	Lucy Lawrence	string Name on the account. Applicable for non-card only. Details- 1-40
`payment_disbursement.participant`		Participant Object Information about a participant that may be passed along to the network. For example Bank which is registered in MC Send program.
`payment_disbursement.participant.merchant_category_code`	7995	string Classification of the merchant's type of business or service. Please contact your Mastercard representative to enable the usage of fields in this section.
`payment_disbursement.participant.mastercard_assigned_merchant_id`	12AB46	string The Merchant ID assigned by Mastercard. Alphanumeric, length 6.
`payment_disbursement.participant.purchase_trace_id`	MS12ybwmc020404	This field is to associate Original Purchase transaction with payment transaction for Fast Refund use case. Applicable for both Single and Dual message transaction. Alphanumeric, length 15.
`payment_disbursement.funding_source`	CASH	string Funding source must contain one of the following: CREDIT, DEBIT, PREPAID, DEPOSIT_ACCOUNT, MOBILE_MONEY_ACCOUNT, CASH or OTHER. Optional, required for Visa OCT payment. If not provided, defaults to DEPOSIT_ACCOUNT.
`payment_disbursement.transaction_purpose`	08	string The purpose of the transaction. String, numeric, length 2. Valid numeric values: 00 = Family Support 01 = Regular Labor Transfers (expatriates) 02 = Travel & Tourism 03 = Education 04 = Hospitalization and Medical Treatment 05 = Emergency Need 06 = Savings 07 = Gifts 08 = Other 09 = Salary 10 = Crowd lending 11 = Crypto currency 12 = Refund to original card 13 = Refund to new card 17 = Recycling Deposit Return 18 = Value Added Tax (VAT) Payment

Response info

Click to expand example response body in JSON format

{
  "disbursement": {
    "id": "HAPPYPATH_DISB_000001",
    "payment_type": "GMR",
    "created": "2026-02-12T09:59:29Z",
    "status": "APPROVED",
    "original_status": "APPROVED"
  }
}

Click to expand response parameter's description

PARAMETER	VALUE	DESCRIPTION
`disbursement.id`	HAPPYPATH_DISB_000001	string A partner-assigned unique reference identifier for the disbursement. Alphanumeric and * , - . _ ~. Length 6-40.
`disbursement.payment_type`	GMR	string Conditional. Payment type of the disbursement. The allowed payment types for the partner must be enabled by Mastercard during onboarding. If the partner is enabled for multiple payment types, the appropriate payment type must be provided. Otherwise the field is optional. Valid values: AMS = Rapid Merchant Settlement B2B = General Business-to-Business Transfer FRD = Fast Refund GMR = Gaming Repay
`disbursement.created`	2026-02-12T09:59:29Z	string Request's acceptance timestamp
`disbursement.status`	APPROVED	string Actual status
`disbursement.original_status`	APPROVED	string Origin status

Example detailed workflow step by step

Lucy wins a price and requests a payout from the betting operator (merchant).
The operator communicates with their bank to initiate the gambling payout.
The Merchant's Bank initiates the payout by performing a request to Verestro - payment_type = GAM (Gambling Payout) and provides the transaction metadata.
Verestro calls Mastercard Send by executing proper method and provides data such as:
1. Bank's identifier (partner_id)
2. transaction metadata
3. payment_type=GMR
4. merchant_category_code=7995
Mastercard Send checking is:
1. Merchant's Bank is registered in Mastercard Send program.
2. Merchant's Bank has support for gambling payouts.
3. Lucy's card is active.
4. Lucy's issuing bank is registered in Mastercard Send program.
5. Lucy's issuing bank has support for Fast Funds (real-time posting):
  1. bank has support for Fast Funds -> money will be up to 30 min on Lucy's balance
  2. bank has not support for Fast Funds -> money will be up to 30 min on Lucy's balance
Mastercard Send informs Lucy’s issuing bank that it has funds for won price.
Lucy's issuing bank confirms the money has been received from Mastercard Send and sends it to Lucy's card:
1. Mastercard Send gets response from the Lucy's issuing bank that funds have been collected - code 00.
Mastercard Send informs Verestro about payout confirmation.
Verestro informs Merchant's Bank about payout confirmation.
Merchant's Bank informs Merchant abount payout confirmation.
(Settlement) – "Next day" - Mastercard Send once per 24h sumarizes all such payouts and:
1. totals the amounts of all gambling payouts initiated by the Merchant's Bank.
2. withdraws the total sum from the Merchant Bank's settlement account and forwards it to Lucy’s issuing bank.

List of the payment statuses

Status	Meaning
APPROVED	The transaction was successful and has been approved.
DECLINED	The transaction has been declined, either by the Receiving Institution or Mastercard.
UNKNOWN	The request has been accepted but processing has not completed within the allotted timeframe, possibly due to timeouts or network communication issues. For guidance, see Transaction Responses with an ‘UNKNOWN’ Status.
ERROR	Can be returned when a network or system error prevented processing of the transaction. This status is rarely seen in production.
PENDING	The transaction is still in progress. If you get this status for a card transaction, retry with another GET request.
CANCELLED	The non-card transaction has been cancelled.