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

Although the issuer directory is built with the initial goal of supporting auto-enrollment to provide a seamless checkout experience with Click to Pay, however the directory construct is extensible and can support other use cases and products within MACS and Mastercard.

## Regional Availability {#regional-availability}

|              Region              |                                                  Country                                                  |
|----------------------------------|-----------------------------------------------------------------------------------------------------------|
| North America                    | Canada, United States.                                                                                    |
| Europe                           | United Kingdom, Spain, Sweden, Ireland, Italy, Netherlands, Switzerland, Germany, Norway, Czech Republic. |
| Asia Pacific                     | New Zealand, Australia, Singapore, Hong Kong, Malaysia.                                                   |
| Middle East and Africa.          | United Arab Emirates, Qatar, Kuwait, Saudi Arabia, South Africa.                                          |
| Latin America and the Caribbean. | Mexico, Brazil, Argentina, Colombia.                                                                      |

Warning: **Maestro** cards issued in the **Netherlands** can be provisioned **only** via the [Enroll API](https://developer.mastercard.com/issuer-enrollment/documentation/api-reference/apis/index.md#enroll-api).

Read more about [Click to Pay](https://developer.mastercard.com/mastercard-checkout-solutions/documentation/use-cases/click-to-pay/).

Developed by Mastercard and built upon global payment industry standards, Mastercard Click to Pay delivers an online checkout experience that combines intelligent security with password-free convenience, solving the challenges of complex checkouts and cart abandonment.

Issuers can enroll consumers in Click to Pay from their banking app or website to drive easier, secure and faster checkouts, along with gaining top-of-wallet status.

![Issuer Enrollment](https://static.developer.mastercard.com/content/issuer-enrollment/documentation/img/how-it-works-flow1.png "Mastercard Click to Pay Issuer Enrollment")

Issuer-driven customer enrollment in Click to Pay ensures easier, secure, and faster checkouts at merchant websites, while driving top-of-wallet status for the Issuers.

## Benefits {#benefits}

|                                                                                                               Consumer                                                                                                                |                                                                                                                         Issuer                                                                                                                         |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| ![Consumer](https://static.developer.mastercard.com/content/issuer-enrollment/documentation/img/person_group_icon.png) Experience seamless payment experience with faster, frictionless, and secure checkouts at merchants' websites. | ![Issuer](https://static.developer.mastercard.com/content/issuer-enrollment/documentation/img/icon_src_participatingissuer7.png) Gain top-of-wallet status and improved customer engagement with consistent, risk-free, and standardized transactions. |

Consumers, merchants and issuers are constantly seeking a secure, standardized, and streamlined checkout experience as shopping habits shift to digital. Mastercard Click to Pay provides the solution.

Developed by Mastercard and built upon global payment industry standards, Mastercard Click to Pay delivers an online checkout experience that balances intelligent security with password-free convenience. It solves the challenges of complex checkouts and cart abandonment.

enhances the online checkout experience by combining security with password-free convenience.

### Push-Provisioning {#push-provisioning}

![Sign up page](https://static.developer.mastercard.com/content/issuer-enrollment/documentation/img/ppb2benrollapiflow.png "Mastercard Click to Pay Push Provisioning for Issuers")

See the [Use Cases](https://developer.mastercard.com/issuer-enrollment/documentation/use-cases/push-provisioning/index.md).

### Auto-Enrollment {#auto-enrollment}

![Auto Enroll](https://static.developer.mastercard.com/content/issuer-enrollment/documentation/img/auto-enroll-batch-flow6.png "Mastercard Click to Pay Auto Enrollment for Issuers")

See the [Use Cases](https://developer.mastercard.com/issuer-enrollment/documentation/use-cases/auto-enrollment/index.md).
![Consumer](https://static.developer.mastercard.com/content/issuer-enrollment/documentation/img/person_group_icon.png)

#### Consumer {#consumer}

Experience seamless payment experience with faster, frictionless, and secure checkouts at merchants' websites.
![Issuer](https://static.developer.mastercard.com/content/issuer-enrollment/documentation/img/icon_src_participatingissuer2.png)

#### Issuer {#issuer}

Gains top-of-wallet status and improved customer engagement with consistent, risk-free, and standardized transactions.

Issuers can initiate the process of provisioning and enrolling eligible consumers into Click to Pay for a secure and streamlined checkout experience by leveraging Mastercard provided APIs.

Enrolled customers can instantly access their linked cards and use Click to Pay for a seamless checkout at merchants' websites.

|                                                                    User                                                                    |                                                   Benefits                                                   |
|--------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------|
| ![Consumer](https://static.developer.mastercard.com/content/issuer-enrollment/documentation/img/person_group_icon.png) **Consumer**        | Streamlined payment experience with faster, frictionless, and secure checkouts at merchants' websites.       |
| ![Issuer](https://static.developer.mastercard.com/content/issuer-enrollment/documentation/img/icon_src_participatingissuer.png) **Issuer** | Integrated enrollment and standardized checkouts with improved customer engagement and top-of-wallet status. |

Provision each card at a time by giving customers the option to enroll in Click to Pay. You can do so by presenting Click to Pay as a payment button in the card settings, or in the in-app banner.   

See how [push provisioning](https://developer.mastercard.com/issuer-enrollment/documentation/archive/index.md#push-provisioning) works. \| Auto-enroll single card or multiple cards at one go in Click to Pay and manage cardholder data in [Issuer Segregated Directory](https://developer.mastercard.com/issuer-enrollment/documentation/support/index.md#faqs). Once enrolled, cardholders can review their Click to Pay profile in the banking app.   

See how [auto-enrollment](https://developer.mastercard.com/issuer-enrollment/documentation/archive/index.md#auto-enrollment) works.

## Benefits {#benefits-1}

As an Issuer, you can make your card stand out at checkout, and provide the following benefits to your customers with Click to Pay enrollment.

#### Consumer {#consumer}

Provide a seamless and integrated enrollment experience to reduce friction.

#### Consistent payment process {#consistent-payment-process}

Display eligible cards to drive and improve card selection and usage.

#### Improved user experience {#improved-user-experience}

Improve user experience with faster and secure checkouts.

Issuers can:

* Either provision consumer cards individually by giving them the option to enroll their cards into Click to Pay through the banking app/website.
* Or auto-enroll eligible consumer cards in a bunch at once into Click to Pay for an automated checkout experience.

Enrolled customers can instantly access their linked cards and use Click to Pay for a seamless and secure checkout at merchants' websites.

either through the banking app/website, or by auto-enrolling consumers without any manual enrollment steps.

Consumers enrolled in Click to Pay enrollment experience an enhanced payment process by instantly accessing their cards during checkout at merchant websites.

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

Issuers can choose either of the two following methods to provision and enroll consumers:
There are three main steps to integrate with Mastercard Click to Pay Push Provisioning via the enroll API.

1. Present Mastercard Click to Pay to Consumers.
2. Allow Consumers to select and add eligible cards to Mastercard Click to Pay.
3. Enroll Consumers to Mastercard Click to Pay.

![Sign up page](https://static.developer.mastercard.com/content/issuer-enrollment/documentation/img/ppb2benrollapiflow.png "Mastercard Click to Pay Push Provisioning for Issuers")

The [Click to Pay enroll API](https://developer.mastercard.com/issuer-enrollment/documentation/index.md) allows Issuers to push **pushAccountReceipt** to Click to Pay and create Consumers in Click to Pay. Issuer must send Personally Identifiable Information (PII) via enroll API. PII data includes consumer first name, last name, email and phone number.

## Getting Started {#getting-started}

Mastercard Click to Pay Push Provisioning for Issuers is limited to certain regions.

### Before You Start {#before-you-start}

* Issuers need to implement requirements and best practices for the Mastercard Click to Pay Program. Refer to the **Issuer Requirements** section in [Mastercard Click to Pay Program Requirements](https://techdocs.mastercard.com/bundle/mc_click_to_pay_reqs/page/rfh1615997307367.html). Ensure you are logged into [Mastercard Connect](https://www.mastercardconnect.com/-/sign-in) to access the document.
* Issuers must enroll in [Mastercard Digital Enablement (MDES)](https://developer.mastercard.com/product/mdes/#financial-institutions) to activate payment cards to receive token requests from Mastercard Click to Pay.
* Issuers must onboard to Mastercard Click to Pay through the Onboarding and Registration Portal using [Mastercard Connect](https://www.mastercardconnect.com/-/sign-in) to obtain API keys.

## Supported Cards {#supported-cards}

Mastercard Click to Pay supports all Mastercard credit, debit and prepaid payment methods. However, each merchant decides which payment brands to accept. Enrollment and availability of specific card programs may vary depending on the brand.

### Good to Know {#good-to-know}

* Issuers can leverage the [MDES Token Connect API](https://developer.mastercard.com/mdes-token-connect/documentation/) (a set of inbound web requests) to securely push account information to token requestors.
* Issuers can use the [pushMultipleAccounts](https://developer.mastercard.com/mdes-token-connect/documentation) API to push an eligible card to Mastercard Click to Pay. Issuers allowing Consumers to add cards to Mastercard Click to Pay must send card details and billing information in order to provide a seamless payments user experience.

## Next steps {#next-steps}

Now that you are familiar with the basic concepts of Mastercard Click to Pay Push Provisioning via the enroll API, refer to:

* [Use Cases](https://developer.mastercard.com/issuer-enrollment/documentation/use-cases/index.md)
* [Tutorials and Guides](https://developer.mastercard.com/issuer-enrollment/documentation/tutorials-and-guides/index.md)

By offering the Mastercard Click to Pay Push Provisioning, Issuers can provide Consumers with the option to enroll with your banking app or website with just a few clicks. Once enrolled, consumers can easily pay without manually entering card details or passwords each time they see the Mastercard icon during a payment flow.

Mastercard Click to Pay Push Provisioning via the enroll API enables Issuers to automate the Mastercard Click to Pay Push Provisioning process to efficiently help enhance cardholder payment experience.

[Issuer Segregated Directory](https://developer.mastercard.com/issuer-enrollment/documentation/support/index.md#issuer-segregated-directory).
By implementing Mastercard Click to Pay Push Provisioning via the enroll API, you can scale top-of-wallet status at checkout and ensure enrollment in Mastercard Click to Pay meets Consumer needs, while further securing your digital payments ecosystem. The following benefits can be realized: