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SCMP API | Visa Platform Connect

Mastercard Pay As You Go (PAYG) Workflow

The Mastercard PAYG workflow begins when the rider taps their 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. Cardholder taps for entry to transit system.
  2. Gate validator checks card validity 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.
  5. You send an authorization request for a nominal amount.
  6. When the AVR is successful, you calculate the fare for the travel period and submit a sale request at the end of the travel period.