Mass Transit Transaction Workflows

American Express Pay As You Go Workflow

The American Express Pay As You Go (PAYG) is a delayed authorization using the Expresspay transit policy workflow. It begins when the rider taps a payment card at the fare collection terminal.

Figure:

Pay As You Go Delayed Authorization Model
Diagram of the American Express Pay As You Go Aggregated transaction model.
  1. The cardholder taps the card to enter the transit system.
  2. The gate validates the card using offline data authentication (ODA), the card expiration date, and the deny list.
  3. When the card is valid, the gate allows the passenger to enter the transit system.
  4. When the ODA fails, the card is added to the deny list, and the debt recovery process begins. See Debt Recovery Workflows.
  5. You send an authorization request for a nominal amount. See American Express Delayed Online Authorization with EMV Data.
  6. When the authorization is successful, you calculate the fare for the travel period.
  7. At the last tap of the day, submit a follow-on capture request for the day's aggregated fare amount. For authorization and capture options, see American Express Authorization and Capture Options.
Mass Transit Transaction Workflows

Mastercard Pay As You Go Workflow

The Mastercard Pay As You Go (PAYG) workflow begins when the rider taps a payment card at the fare collection terminal.

Figure:

Pay As You Go Model
Diagram of the Mastercard Pay As You Go Aggregated transaction model.
  1. The cardholder taps the card to enter the transit system.
  2. The gate validates the card using Mastercard combined data authentication (CDA), card expiration date, and the deny list.
  3. When the card is valid, the gate allows the passenger to enter the transit system.
  4. When the CDA fails, the card is added to the deny list, and the debt recovery process begins. See Debt Recovery Workflows.
  5. You send an authorization request for a nominal amount. See Mastercard Authorization with EMV Data.
  6. When the authorization is successful, you calculate the fare for the travel period and submit a sale request at the end of the travel period.
Mass Transit Transaction Workflows

Visa Mobility and Transport Transaction Workflow

The Visa Mobility and Transport Transaction (MTT) workflow begins when the rider taps a payment card at the fare collection terminal.

Figure:

Visa Mobility and Transport Transaction Workflow
Flow diagram that describes the Visa Mobility and Transport Transaction model.
  1. The cardholder taps the card to enter the transit system.
  2. The validator checks the deny list to determine card validity, and allows the rider to enter the transit system.
  3. The back office submits an account verification request (AVR) to
    Cybersource
    . See Visa Account Verification Request (AVR) with EMV Data.
  4. When the authorization fails, the card is added to the deny list, and the debt recovery process begins. See Debt Recovery Workflows.
  5. During the travel period, the back office collects the rider's tap data to calculate the fare.
  6. At the end of the travel period, the back office submits a deferred authorization and capture request. See the Fare Calculation and Submission Workflow.
Mass Transit Transaction Workflows

Additional Workflows

This section describes additional workflows that are not card-specific.
Mass Transit Transaction Workflows