# Issuer Enrollment into Click to Pay
source: https://developer.mastercard.com/issuer-enrollment/documentation/index.md

Mastercard Click to Pay streamlines guest checkout by eliminating manual card entry and giving cardholders instant access to their preferred cards on any device or browser. To learn more about the key benefits, see the [Click to Pay](https://developer.mastercard.com/mastercard-checkout-services/product/click-to-pay/) home page.

Issuers can offer Click to Pay checkout experience for their cardholders, which enables them to perform seamless checkout at participating Click to Pay merchants.

Issuers can also offer Mastercard payment passkeys through their channels by enabling the cardholders to perform biometric authentication at Click to Pay merchants, thereby eliminating additional friction and reducing fraud.​

## How it Works {#how-it-works}

Issuers provision and enable cards into Click to Pay to create consumer profile by leveraging the Mastercard APIs.

![Auto Enroll](https://static.developer.mastercard.com/content/issuer-enrollment/documentation/img/issuer-enrollment-overview.png "Mastercard Click to Pay Auto Enrollment for Issuers")

## Enrollment Mechanisms {#enrollment-mechanisms}

Mastercard offers to enroll in to Click to Pay following two mechanisms:

### Push Provisioning {#push-provisioning}

This is [Cardholder initiated enrollment](https://developer.mastercard.com/issuer-enrollment/documentation/use-cases/push-provisioning/index.md) on Issuer's app/website where consumers take specific action to complete the enrollment. Used for enrolling one cardholder at a time into Click to Pay, this mechanism offers the following features:

#### Simplify {#simplify-br}

Push tokenized payment credentials into MDES-enabled merchants, wallets, DAC wallets and devices.

#### Customize {#customize-br}

Issuers can configure the user experience and functionality to supplement existing capabilities with a full suite of APIs.

#### Secure {#secure-br}

Integrators can validate that they are receiving un-altered data from legitimate Issuers through signature support.

### Auto Enrollment {#auto-enrollment}

This is [Issuer initiated enablement](https://developer.mastercard.com/issuer-enrollment/documentation/use-cases/auto-enrollment/index.md) where cardholders are auto-enabled into Click to Pay without taking any action.   

In this case, enrollment happens in a logical partition within Mastercard, referred as **Issuer Segregated Directory** . This partition is designated for individual Issuers to provision and manage cardholder data securely. Data within the Issuer Directory is safeguarded and activities such as cardholder lookup, tokenization and checkout are conducted while adhering to Mastercard's standard data and security policies.


Some of the features include:

#### Data Ownership and Processing {#data-ownership-and-processing-br}

Issuers retain full ownership and control over the data within their designated partitions. Mastercard processes data strictly in accordance with the agreed contractual terms between Mastercard and the issuer.

#### Directory Management - Updating Profiles {#directory-management---updating-profiles-br}

Issuer is responsible for data in the directory. Mastercard may also perform management on Issuers behalf as stipulated in the contractual agreement.

#### Terms and Conditions {#terms-and-conditions-br}

The directory operation aligns with the terms and privacy policies agreed upon by the Issuer and Mastercard under the contractual agreement.

## Mastercard Payment Passkeys {#mastercard-payment-passkeys}

A Mastercard payment passkey is a secure, user-friendly way to authenticate online transactions using familiar biometric methods like fingerprint or face recognition.

Issuers can offer cardholders to create Mastercard payment passkey through their channels at participating Click to Pay merchants. Some of the features include:

#### Added Security and Convenience {#added-security-and-convenience-br}

Mastercard's multi-factor authentication method leverages passkeys available on consumer devices. Consumers create a payment passkey with Mastercard and use that passkey to authenticate (with biometric authentication) across all merchants and checkout options.

#### Improved Transaction Quality​ {#improved-transaction-quality-br}

Transactions authenticated with Mastercard payment passkeys, compliant with our Token Authentication Framework, include enriched data such as a Authentication Data, Advanced Digital Transaction Data and Digital Transaction Insights​.

#### Enhanced Issuer Controls​ {#enhanced-issuer-controls-br}

Issuers receive a unique device identifier for each device bound to the payment passkey at the time of creation and each time the passkey is used for transaction authentication​.