> For the complete documentation index, see [llms.txt](https://docs.payments.thalescloud.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.payments.thalescloud.io/payment-passkeys-issuers/implement-payment-passkeys/create-a-payment-passkey.md).

# Create a payment passkey

### Overview

After the end user signs in to the issuer application and selects a card, they can create a payment passkey.

The payment passkey is linked to the selected card and device.

The flow differs by payment network.

### User experience

#### Visa

<figure><img src="/files/4AqY3ewYIvWZwe0TV73g" alt=""><figcaption><p>Visa user experience for payment passkey creation.</p></figcaption></figure>

Visa requires a short initialization step in an issuer-hosted web page.

This step gets the payment passkeys so the issuer application can display them on the next screen.

Run this step once every 8 minutes for each device.

The selected card does not affect this timer.

#### Mastercard

<figure><img src="/files/QPPwiRoFZt8XYQgw4OIX" alt=""><figcaption><p>Mastercard user experience for payment passkey creation.</p></figcaption></figure>

You cannot check whether a payment passkey already exists on the device before the flow starts.

Let the end user start the creation flow each time.

If a payment passkey already exists, Mastercard shows a different page during the flow.

### Flow

#### 1. Initialize and get payment passkeys (Visa only)

<figure><img src="/files/HSKkk7LJpXUEiwZS6eGc" alt=""><figcaption><p>Visa initialization flow for payment passkey creation.</p></figcaption></figure>

{% hint style="info" %}
This step is required for Visa only.
{% endhint %}

The D1 SDK redirects the end user to an issuer-hosted web page, such as a loading page.

That page loads the D1 JavaScript SDK.

The D1 JavaScript SDK then starts the Visa SDK in a hidden iframe.

If the same device completed this step in the last 8 minutes, the D1 SDK skips it automatically.

#### 2. Create the payment passkey

<figure><img src="/files/Bs3JdmPQGx26KkwiHJlQ" alt=""><figcaption><p>Payment passkey creation flow for Visa and Mastercard.</p></figcaption></figure>

When the creation flow starts, the D1 SDK redirects the end user to the Visa or Mastercard page.

The payment network authenticates the end user and creates the payment passkey on the device.

After the flow succeeds, a notification is sent to the issuer backend.


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