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: Bank's identifier (partner_id) transaction metadata payment_type=GMR merchant_category_code=7995 Mastercard Send checking is: Merchant's Bank is registered in Mastercard Send program. Merchant's Bank has support for gambling payouts. Lucy's card is active. Lucy's issuing bank is registered in Mastercard Send program. Lucy's issuing bank has support for Fast Funds (real-time posting): bank has support for Fast Funds -> money will be up to 30 min on Lucy's balance 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: 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: totals the amounts of all gambling payouts initiated by the Merchant's Bank. 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.