MasterCard has launched the new Loyalty middleware specification in an effort to offer a unified, seamless check-out experience in-store and in-app.

The new technical specification allows mobile applications to deliver a seamless connection between payment, promotions as well as loyalty redemption.

The feature also helps consumers to select their loyalty card, the coupons/promotions they want to redeem, and make a payment in a single or double tap at a contactless terminal.

The standard has been designed to work with various loyalty schemes, point of sale terminals and systems, and payment methods.

MasterCard Digital Payments executive vice president James Anderson said: "We’ve all been there, fumbling with a loyalty fob, coupon and payment card. We’ve worked closely with various industry partners to develop and implement one standard approach to enable a seamless experience in redeeming loyalty points or promotions when making mobile payments at the point of sale.

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"Having one standard will make it easier and less costly for merchants, wallet issuers, terminal providers and others in the industry to implement these programs and focus on other elements of the customer experience."