# Consent Management and Enrollment
source: https://developer.mastercard.com/consent-management/documentation/index.md

## Overview {#overview}

Consent Management and Enrollment APIs enable secure, transparent enrollment into Mastercard services by capturing, storing, and managing granular, explicit consents. They provide a standardized framework for partners and developers to authenticate consumers, enroll cards or users, and manage consent across scenarios ranging from card-based transactions to personalized user-level experiences.

**Key capabilities include:**

* **Consent Lifecycle Management:** Create, update, revoke, and audit consents throughout their lifecycle.
* **Enrollment Management:** Enroll cards or users into Mastercard services through secure authentication and explicit consent capture.
* **Multi-Modal Support:** Capture consent and complete enrollment via API or Mastercard-hosted UI for PCI-sensitive environments.

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### Quick Glance {#quick-glance}

The Consent Management API supports:

* **Card-Based Consent and Enrollment:** Linked to a Personal Account Number (PAN).
* **User-Based Consent and Enrollment:** Linked to user credentials for cross-card experiences.

![Consent Flow](https://static.developer.mastercard.com/content/consent-management/images/how-it-works-consent-api1.png "Consent Flow")

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### Consent Types {#consent-types}

|                |   **Subject Key**    |            **Best for**             |                                  **Example**                                   |
|----------------|----------------------|-------------------------------------|--------------------------------------------------------------------------------|
| **Card-Based** | PAN                  | Enrollments tied to a specific card | Cardholder consents to share Transaction Notifications with expense management |
| **User-Based** | E-mail, Phone number | Cross-card experiences              | User consents to get insights across all cards they own                        |

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### Supported Services {#supported-services}

|                                           **Service**                                            |                                                                                      **Description**                                                                                      | **Consent Type(s)** | **Availability**  |
|--------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------|-------------------|
| [Transaction Notifications](https://developer.mastercard.com/product/transaction-notifications/) | Real-time notifications for card transactions, enabling users to track spending and receive alerts.                                                                                       | Card-Based          | North America, EU |
| [Insight Tokens](https://developer.mastercard.com/product/insight-tokens/)                       | Insights Tokens empower partners to deliver smarter recommendations, contextual offers, and dynamic segmentation, all governed by explicit user consent and privacy-by-design principles. | User-Based          | North America     |

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### Implementation Methods {#implementation-methods}

Choose the enrollment method that best fits your integration and compliance needs:

1. **Individual Enrollment via API**

   Integrate directly with the Consent Management API to enroll individual customers.

   *Best for:* PCI-compliant environments where you manage cardholder data and want to build your own consent capture UI - including authentication, consent screens, and terms \& conditions.  

   *How it works:* Use the API alongside your custom UI to authenticate users, present consent options, and capture acceptance.

   [Learn more →](https://developer.mastercard.com/consent-management/documentation/use-cases/index.md)
2. **Individual Enrollment via Consent Management UI**

   Leverage Mastercard's hosted UI for a secure, familiar experience - ideal if you are not PCI compliant.

   *Best for:* Non-PCI environments or teams seeking a turnkey solution.  

   *Note:* The Consent Management UI currently supports Card-Based Consent only.

   [Learn more →](https://developer.mastercard.com/consent-management/documentation/use-cases/index.md)
3. **Bulk Enrollment**

   Bulk enrollment enables issuers and fintechs to register consents for multiple users and cards when explicit permission has already been collected during card agreements, onboarding, or other approved processes.

   [Learn more →](https://developer.mastercard.com/consent-management/documentation/use-cases/index.md)

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### What's Next {#whats-next}

#### Use Cases {#use-cases}

Check out the use cases section to capture consent either through third-parties or on behalf of banks.

[Learn more →](https://developer.mastercard.com/consent-management/documentation/use-cases/index.md)

#### Developer Tooling {#developer-tooling}

Check out the postman collection section to setup APIs in the Postman tool and reference app to demonstrate some of them on the fly to get up and running in no time.

[Learn more →](https://developer.mastercard.com/consent-management/documentation/reference-app/index.md)

#### API Reference {#api-reference}

Check out our API design.

[Learn more →](https://developer.mastercard.com/consent-management/documentation/api-reference/index.md)

#### Authentication \& Consent Management UI {#authentication--consent-management-ui}

Understand our consent flow, and use Mastercard UX without being PCI compliant.

[Learn more →](https://developer.mastercard.com/consent-management/documentation/use-cases/transaction-notifications/single-card-enrolment/card-auth-consent-ui/index.md)

#### Get Ready for Production {#get-ready-for-production}

Discover the process to get to production.

[Learn more →](https://developer.mastercard.com/consent-management/documentation/quick-start-guide/index.md)

#### Talk to Us {#talk-to-us}

More questions? Let us help you.

[Learn more →](https://developer.mastercard.com/consent-management/documentation/support/index.md)