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SCMP API | Visa Platform Connect
Pay As You Go (PAYG)
These are the key characteristics of the Mastercard PAYG transaction
model:
- Multimodal journeys.
- Distance-based fares.
- EMV contactless fare collection gates or points of entry.
- Account verification request (AVR) authorization for a small amount or the maximum fare amount.
- Deny list checking to block cardholder entry due to a previously declined transaction.
- Offline data authentication to confirm card is valid.
- Multiple card taps that are aggregated into a single payment.
- Deny list manager maintains the deny lists and distributes them to terminals.
- Back office records all trips and fares to perform journey reconstruction to calculate the final fare.
- Single payment capture for one or more fares during the travel period.
- Standard payment follow-on transactions.
- First ride risk protection when the first authorization fails.
- Debt recovery when the AVR authorization is declined.
Figure:
Pay As You Go Model
