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Enroll cards by D1 API

Overview

This page explains how the issuer backend can enroll a card and its end user in Click to Pay by calling the D1 API Click to Pay enrol.

Use this backend flow when you want to orchestrate Click to Pay enrollment from the issuer backend without relying on the issuer application to call the API directly.

User experience

Flow

The following diagram illustrates the main steps of the backend Click to Pay enrollment flow:

Sequence diagram

Prerequisites

Please refer to prerequisites.

The following sequence diagram shows the Click to Pay enrollment flow initiated from the issuer backend:

Key points

  • The issuer backend must already know the end user's personal and card details.

  • The enrollment is an asynchronous operation. The final result can be retrieved by either:

    • calling the standard getter operation, or

    • enabling D1 backend notifications (check the API summary).

  • The TSP associated with the payment network triggers the usual digitization flow. The issuer backend continues to manage this flow as usual; no changes are required. Because Click to Pay applies to e-commerce transactions, approval is generally expected.

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