The CardLinx Association has made available a new open source card-linking software suite, developed by Microsoft, for wider adoption by merchants and card-linked firms.

Under the MIT license, Microsoft has made the codebase for its Earn card-linking platform free and publicly available in a bid to enable companies build on the code and expand the availability of card-linking.

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The software demonstrates API access to the payment networks and is available for download from the CardLinx website cardlinx.org.

Card-linking allows consumers to receive a discount or loyalty benefit automatically when they pay with a payment card that has been linked to an offer or loyalty programme.

Card issuers, retailers, messaging apps and other digital publishers provide card-linked offers through mobile apps and loyalty programmes.

CardLinx members include Microsoft, Facebook, MasterCard, Discover, Hilton, Chevron, Shop Your Way, Whole Foods Markets, First Data, FIS, Samsung Card, Rakuten, among others.

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CardLinx president and CEO Silvio Tavares said: “Microsoft's contribution of its software code to the public domain enables any bank or digital publisher to rapidly launch a card-linked program.

“While users will still need to apply directly to the payment networks and processors for card-linked data access, this code provides a great way to get started and greatly reduces the time to market.”