The transaction process involves searching for and interacting with a Messenger chat bot to specify the order from a range of options. The user then arranges a pick-up or delivery location, followed by checkout confirmation, where they pay for the order via Masterpass.
With 1.2 billion users on Messenger, MasterCard hopes the feature will boost fast food sales online by removing the need for consumers to type in their card information for every transaction. Instead, consumers load their card number and other identifying information onto the digital wallets and then use the wallets for faster shopping.
That said, users still need to input their password for every Masterpass transaction, so the system lacks the ease of use of biometric mobile payment systems like Apple Pay. MasterCard is said to be working on a similar solution.
MasterCard's plans to bring merchant transaction bots to Facebook's chat service where revealed in October. The credit card company also unveiled plans for bank bots, through which users can ask questions about their account, look at purchase history, monitor spending levels, receive financial assistance, and more.