Birmingham-based mobile payment app Droplet has announced a new service which means subscribers can pay for goods and receive loyalty points without touching their wallet or phone.
Called Zero Touch, it was unveiled this week at a conference in Copenhagen by Droplet co-founder Steffan Aquarone who said he hoped it would offer merchants the chance to improve the consumer experience.
It means customers visiting more than 400 signed-up retailers can choose to check in to places automatically when they arrive, with their face and name immediately appearing on the point of sale screen so they can be charged for their purchase and given their loyalty stamps.
The transaction is completed securely and an instant push notification is sent to tell them how much money they have been charged.
Mr Aquarone told the conference said: "Imagine being able to walk in to your pub, restaurant, coffee shop or clothing retailer and getting treated like a star - greeted by name, given personalised treats and having everything charged seamlessly to your account as if you owned the place.
"This is now a reality and we are currently rolling it out to our merchants, which currently number just over 400 spread across ten UK cities including Birmingham.
"The accuracy of the technology means that, in busy environments, merchants can see exactly who is in the queue, charge people instantly and serve customers faster.
"In more laid-back places, users can come and go as they please and there's no need to wait for the bill or interrupt the experience to pay.
"It is the first time that anything like this has been introduced and promises to be a real game changer."
Droplet was created by tech entrepreneurs Mr Aquarone and Will Grant who came up with the idea in 2011 while sitting in independent Birmingham café Urban Coffee Company.
They launched the service in 2012 and last year rolled it out to retailers in seven new cities after securing £575,000 of crowd-funding cash from Crowdcube.
Earlier this year, they started a second round of bidding via the same website with the aim of raising £450,000.
The company said talks had already started with a number of terminal makers, payment service providers and banks as the app sought to drive a closer collaboration between payment and loyalty in the high street.
Mr Aquarone added: "We are slowly but surely moving the bricks and mortar businesses in the consumer world towards digital processes that lock in their customers to ease of payment and integrated loyalty rewards."