Would you order your groceries directly from your refrigerator? MasterCard MA, -0.70% and Samsung 005930, -0.33% are betting on it.

The companies introduced a new service last week at the Consumer Electronics Show that promises to change the way consumers shop for food from home. “Groceries by MasterCard” is an app that debuted Jan. 5; it works in conjunction with Samsung’s new Family Hub Refrigerator, which is outfitted with a 21.5-inch full HD LCD touch screen on the exterior of its right-side door that consumers can use to update calendars, leave notes and order on the Groceries by MasterCard app (the app comes pre-loaded on the refrigerator).

The refrigerator also has three cameras that record images of what’s inside the refrigerator every time the door closes; consumers can then look inside by using the Samsung Smart Home app, for example, when they’re at the grocery store. (A Samsung spokeswoman said the company has not yet priced the refrigerator, which will be released in May. The Groceries app will be free.)

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The app and refrigerator system aim to cut out third-party delivery services by letting consumers order their groceries directly from Samsung and MasterCard’s partners FreshDirect and ShopRite, and will allow them to check out directly on the refrigerator. It will also, according to MasterCard, learn the family’s shopping habits and eventually suggest commonly purchased groceries when the family’s supply is running low.

The service can be used with any U.S.-issued credit or debit card (not just MasterCard). Consumers will be able to add to the “cart” on the Groceries by MasterCard app, but they must submit their order on the refrigerator screen.

If you’re thinking this type of “Smart House” technology sounds futuristic, you’re probably right. Although it’s likely up Mark Zuckerberg’s alley, experts said it might take “smart refrigerators” 10 years to become mainstream.

Consumers are adapting to new technologies increasingly quickly; mobile banking took about five years to reach a critical mass, and there’s reason to believe new payment systems could catch on even faster, said Ramesh Siromani, a partner in the financial institutions practice of A.T. Kearney, a strategy and management consulting firm.

And unlike mobile payments like Apple Pay AAPL, -1.59% , which have yet to become mainstream for in-store checkout, a built-in checkout system on the refrigerator solves a “pain point,” or annoyance, during the payment process. Some 15% of online transactions are abandoned during the payment process, Siromani said, which is why making payment seamless, as Uber has famously done, is attractive to companies.

“Frictionless commerce combined with digital is going to be the future,” he said.

“All innovations take time to mature,” Chaiti Sen, the business leader for external communications for MasterCard, said in an email. “And this is the first iteration of this innovation. The electric car is an example that kind of reflects a similar journey for appliances.”

Samsung has a goal to convert all appliances to connected appliances by 2020, Sen and Samsung representatives said.

Still, Americans only replace their refrigerators every 10 years on average, which is a long replacement cycle compared with other technologies (for comparison, the smartphone replacement cycle is 19 months), said Michelle Evans, the digital consumer manager at market-research firm Euromonitor International. Keeping that timeline in mind, it may be a while before “smart” refrigerators become mainstream.

That could be good news for anyone who loves picking out produce by hand, or who isn’t excited about temptation coming from a refrigerator that suggests restocking on desserts.

Amazon AMZN, -2.25% has already experimented with grocery ordering from home, through its Dash buttons, which allow customers to order from more than 500 different products by pressing a button in their homes.

Evans said she sees Samsung’s Family Hub refrigerator having even more potential for convenience, since consumers can use it to order multiple products at once, whereas Amazon’s Dash buttons are specific to only one type of product.

Amazon did not respond to a request for comment.

There’s an obvious winner if this type of payment, a digital option that provides a seamless checkout, catches on: Credit card companies, said Avivah Litan, a security analyst at Gartner, a market research company.

Although retailers have raced to come up with alternative payment systems that would allow them to bypass credit-card processing fees, credit cards remain a key part of online transactions.