# Instant Onboarding source: https://developer.mastercard.com/open-finance-us/documentation/usecases/onboarding/index.md Instant Onboarding is designed to enhance your onboarding solution by using customer prefill data, verified bank account data, and identity insights. It uses a mobile number and a secondary data point (either their date of birth or last four digits of their SSN) provided by your customer to prefill your customers' personal and account details to onboard them to your application, reducing manual entry and friction. This data can be paired with your KYC (Know Your Customer) workflows, if applicable, to optimize your onboarding experience. ![Avatar](https://static.developer.mastercard.com/content/open-finance-us/uploads/inst-onboarding-coast-picture.png) ###### **Use Case** ### Instant Onboarding Launch Demo ## How it Works {#how-it-works} Your app displays the Instant Onboarding app to your customers. They go through an Instant Onboarding experience and input their phone number and date of birth (or last 4 digits of their SSN). These two inputs give Mastercard the information it needs to gather your customers' prefill data and surface previously shared accounts. After the customer reviews and submits their onboarding data, the Instant Onboarding session ends and they return to your application's flow. ![](https://static.developer.mastercard.com/content/open-finance-us/uploads/inst-onboard-flow-s.png) 1. Connect your environment to our Open Finance API platform. 2. Generate an Instant Onboarding URL and add it to your application. 3. The customer follows the URL and goes through the Instant Onboarding application flow. 4. The customer provides minimal inputs and reviews their prefilled onboaring data and permissions their previously shared accounts. 5. You make a call to us to get the prefill data and the account details to use within your application. ## Data Connect SDK Integration {#data-connect-sdk-integration} To ensure a successful integration with Mastercard Instant Onboarding, partners must integrate using one of Mastercard's supported SDKs. These SDKs are built on Mastercard Data Connect, and as a result, you will see references to Data Connect throughout the SDK documentation. This is expected---Mastercard Instant Onboarding leverages Data Connect capabilities within the onboarding flow to securely permission account details by your customers. Tip: We strongly recommend enabling App to App Authentication within the SDK to deliver the best possible user experience. When enabled, App to App Authentication allows end users to securely authenticate directly within their financial institution's mobile application (when available), resulting in: * A more seamless and familiar user experience * Reduced friction during authentication * Improved connection completion rates This is especially impactful for mobile-first user journeys. ### SDK Documentation \& Integration Resources {#sdk-documentation--integration-resources} For full details on SDK options, integration steps, and App to App Authentication capabilities, please visit [SDK Integration](https://developer.mastercard.com/open-finance-us/documentation/connect/integrating/sdk/index.md). ### Leveraging Mastercard Data Connect {#leveraging-mastercard-data-connect} If you are not currently using Mastercard Data Connect, we encourage you to connect with your implementation specialist to explore how it can support your broader product strategy alongside Instant Onboarding. Data Connect provides the underlying connectivity and data access capabilities that power Instant Onboarding and can unlock additional use cases beyond onboarding. ## Quick Start Guide {#quick-start-guide} The [Mastercard Instant Onboarding Quick Start Guide](https://developer.mastercard.com/open-finance-us/documentation/usecases/onboarding/instant-onboarding-quick-start/index.md) presents the initial steps for setting up the tools to begin using Instant Onboarding. By following the guide, you become familiar with the Mastercard Instant Onboarding application and the foundational Open Finance APIs, and create access to the high-quality test data from our Sandbox environment. In addition, upon completing the Quick Start Guide, you will have: * Created an account with Mastercard Developers and created a Sandbox Project. * Generated your credentials including your Partner ID, App Key, and Secret. * Welcomed your first customer by: * Creating an access token. * Adding a test customer. **Important:** Use the [Add Customer](https://developer.mastercard.com/open-finance-us/documentation/api-reference/index.md#AddCustomer) endpoint for production traffic rather than the [Add Testing Customer](https://developer.mastercard.com/open-finance-us/documentation/api-reference/index.md#AddTestingCustomer) endpoint. Ensure that you are calling the correct endpoint prior to going live. * Generating a Mastercard Instant Onboarding URL. See the [Connect Instant Onboarding URL](https://developer.mastercard.com/open-finance-us/documentation/api-reference/index.md#GenerateInstantOnboardingConnectUrl) endpoint for more information. * Using a test profile to go through the flow to gather prefill data and add an account. * Listening for the onDone SDK event to know your customer has finished the flow. * Retrieving the prefill and account data to utilize within your own application and product experience. See the [Retrieves User Details from a sessionData](https://developer.mastercard.com/open-finance-us/documentation/api-reference/index.md#GetUserDetails) endpoint for more information. ## Experience ID {#experience-id} Before you can include non-test customers, you need to create an experience ID. With the assistance of your Mastercard representative, you will receive a unique experience ID. You can use this ID in the `experience` parameter when [generating an Instant Onboarding URL](https://developer.mastercard.com/open-finance-us/documentation/usecases/onboarding/instant-onboarding-quick-start/index.md#step-3---generate-a-mastercard-instant-onboarding-url). The generated URL will then load your configured version of the Instant Onboarding experience. You can create multiple experiences to support different use cases or scenarios within your application. For example, you might configure separate experiences for lending workflows, payment verification, or personal finance management, each with appropriate branding and settings. Work with your Mastercard Representative to configure your experience. ### Configuration Guide {#configuration-guide} You can configure the UI and functional aspects of the Mastercard Instant Onboarding user experience. This can be useful to keep the experience aligned with your own branding. Reach out to us and collaborate with your Mastercard representative to configure your experience. The Instant Onboarding `experience` parameter enables you to configure parts of the Instant Onboarding UI and functionality. Review the configurations below and discuss them with your Mastercard representative to optimize your experience to fit your product needs. | Configuration | Notes | |--------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | Secondary Auth | The secondary Auth configuration is a required element within our flow, but you can select what data element you would like us to collect from the end user: * Partial date of birth: Collects the month and year (MM/YY). When using this option, the User Details returns the `dob` and leaves the `ssn` and `ssnLast4` blank. * Full date of birth: Collects the day, month, and year (DD/MM/YY). When using this option, the User Details returns the `dob` and leaves the `ssn` and `ssnLast4` blank. * Last 4 of the Social Security number: Collects the last four digits of the SSN. This option is encouraged for flows where an end user may expect to provide their SSN (such as FI account opening, lending, or similar regulated workflows). This option is not recommended for use cases where collecting the SSN would be a unexpected (such as making a payment, creating an account for an app, and so on). This option also returns the full date of birth (`dob`). | | Display Linked Accounts | Specifies if adding bank account details is needed for the flow. There are three options for this setting: * Optional: This means that an end user can still share their personal details without linking an account. (This provides the least amount of friction if the bank account details are not required for your flow.) * Required: This makes adding a bank account to the Instant Onboarding session a required action for the end user. They will not be able to continue the flow without adding a bank account. (Requiring the display ensures you are getting the information you need from the end user.) * Hidden: This option should only be used if you do not want the end user to add any account details while going through Instant Onboarding. If this Configuration is enabled the end user will not share any account details in the flow, but only provide their personal details associated with their identity. | | Brand Color | The brand color that is used for primary buttons and the loader within Instant Onboarding. | | Popular Financial Institutions | Display the most common financial institutions (up to 8 tiles) on the Bank Search page. | | Account Selection Type | Specify whether the customer will be able to select only one account (radio button), or multiple accounts (checkboxes) in a Data Connect session. Tip: Useful for setting up an ACH flow. | | Account Type Filtering | Allows only certain types of accounts to be shown to the customer for selection (checking accounts, savings accounts, and so on). | Note: Instant Onboarding always leverages our returning user experience in order to reduce friction for your customers. This will always be enabled in your experience. ## Resources {#resources} * [Instant Onboarding Quick Start Guide](https://developer.mastercard.com/open-finance-us/documentation/usecases/onboarding/instant-onboarding-quick-start/index.md) * [Instant Onboarding User Events](https://developer.mastercard.com/open-finance-us/documentation/usecases/onboarding/instant-onboarding-events/index.md)