With its MasterPass program, MasterCard's mobile-pay strategy seems to be solidifying. But the details show that payments technology is still very fluid.

The MasterPass wallet demonstrates the need to provide a number of different ways for merchants and issuers to handle mobile and online payments. It supports Near Field Communication-based contactless payments like Google Wallet, mobile bar-code payments like Starbucks and LevelUp, and online payments like PayPal and Visa's V.me.

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