# Transaction Notifications
source: https://developer.mastercard.com/transaction-notifications/documentation/index.md

## Overview {#overview}

Transaction Notifications enables you to receive real-time cardholder purchase data after customers have given explicit consent. Once consent is in place and you have enrolled a webhook endpoint, Mastercard sends a notification to your webhook each time a purchase is made on the linked card. Each notification includes merchant name, transaction amount, and other transaction details.

### Who It Is For {#who-it-is-for}

* Third-party applications that want cardholder-consented, near real-time purchase notifications.
* Issuers and co-brand partners that may already have cardholder permission as part of account agreements.
* Product and engineering teams building webhook-driven transaction experiences.

### Business Value {#business-value}

* Receive transaction notifications in near real-time after card activity.
* Build consumer experiences using merchant and amount data from consented cards.
* Use [Consent Management \& Enrollment](https://developer.mastercard.com/consent-management/documentation/) to enroll cards and manage consent lifecycle.

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

To receive transaction notifications from Mastercard, you need consumer consent. Once consent is in place and your webhook endpoint is configured, Mastercard delivers purchase notifications to your application in real time.

### 1. Get Cardholder's Consent {#1-get-cardholders-consent}

To start receiving transaction notifications, obtain permission from consumers to share their transaction data. If you are an issuer or a co-brand partner, you may have already obtained this permission as part of your cardholder account agreement. If you are a third-party application and need to obtain consumer consent, use [Consent Management \& Enrollment](https://developer.mastercard.com/consent-management/documentation/) to obtain consent and enroll the card in the Transaction Notifications service. This process to obtain consumer consent uses the same Mastercard \& Issuer experience that allows consumers to securely add their card to a digital wallet or confirm their identity when shopping online.
Tip: During the [Consent Management \& Enrollment](https://developer.mastercard.com/consent-management/documentation/) flow, you receive a **card reference**. Use this unique identifier to match transaction notifications to your customers.

To learn how to integrate with Consent Management \& Enrollment, see the [Consent Management \& Enrollment API Reference](https://developer.mastercard.com/consent-management/documentation/api-reference/).

### 2. Receive Real-Time Transaction Notification {#2-receive-real-time-transaction-notification}

When an enrolled card completes a transaction, Mastercard sends the transaction details using an [outbound call](https://developer.mastercard.com/transaction-notifications/documentation/api-reference/transaction-notification-webhook/index.md) to the callback URL provided during project configuration. You can use this data to build real-time experiences for your customers.

![Diagram showing the flow of a real-time transaction notification from Mastercard to your webhook endpoint](https://static.developer.mastercard.com/content/transaction-notifications/uploads/how-it-works-alert.jpg "Alert Flow")

### Integration at a Glance {#integration-at-a-glance}

|         Area         |                    Details                    |
|----------------------|-----------------------------------------------|
| Authentication       | OAuth 1.0a                                    |
| Transport encryption | * HTTPS * MTLS for webhook delivery           |
| Sandbox base URL     | `https://sandbox.api.mastercard.com/openapis` |
| Production base URL  | `https://api.mastercard.com/openapis`         |

#### Quick Start {#quick-start}

Learn how to go from account setup to your first successful Sandbox request.

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

#### Tutorials {#tutorials}

Use our tutorials and sample code to accelerate development.

[Learn more →](https://developer.mastercard.com/transaction-notifications/documentation/tutorials-and-guides/index.md)

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

View the full API specification.

[Learn more →](https://developer.mastercard.com/transaction-notifications/documentation/api-reference/transaction-notification-webhook/index.md)

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

Use our Postman Collection, reference app, and sample code to accelerate development.

[Learn more →](https://developer.mastercard.com/transaction-notifications/documentation/developer-tools/index.md)

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

Review the steps to move your integration to Production.

[Learn more →](https://developer.mastercard.com/transaction-notifications/documentation/tutorials-and-guides/onboarding-checklist/index.md)

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

More questions on mind? Let us help you with your queries.

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