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Pay-as-you-Go

Fares that require a calculation based on time, distance, or zones mean you need to know where the rider got on and off the network, or you want to offer a multi-ride discount to the rider.

Trips are recorded, and fare is determined and paid after trips take place.

Target Audience

  • Cities
  • Governments
  • Public Transit Operators
  • Transit Authorities

Related APIs

The 'Pay-as-you-go' payment model aggregates multiple uses of a contactless card by a passenger into a single payment. It supports complex variable fare structures where passengers typically tap in and out, with potential daily caps on their journey.

This model is suitable for high volume, complex, multi-modal transit systems. It involves advanced pricing in which multiple trips may be aggregated into a single payment.

Components that can be outsourced to Engage partners

Here's the value chain of a 'Pay-as-you-Go' business model for Transit using qualified Mastercard Engage partners.

Definition of the components is available below.

Related solutions

Core Acceptance Solutions: Acquiring, Gateway, Backoffice and Reader

Card Solutions: Prepaid Card and Private Label Card

Transit Acquiring

Holds a financial license and conducts payment activities on behalf of the transit operator.

Transit Gateway

Standard gateway processing transit transactions using additional specific transit features.

Transit Prepaid Card

Prepaid contactless cards issued as open-loop (for general use including transit) or closed-loop (for use only in a specific transit environment).

Transit Private Label Card

Closed loop non-Mastercard branded card that can only be used in the transit environment.

Transit Reader

Standard contactless terminal controlling access to the transit system using additional specific transit features.

Transit Backoffice (Pay-as-you-Go)

Maintains and manages the passenger travel account, aggregates all trips performed with their associated fares taking all relevant parameters and transit business rules into account, and also manages and distributes Deny Lists.

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