Features Introduced This Week

Merchant-Initiated Transactions

| RM-45052

Description

In the Transit - Deferred Aggregated Model, riders may tap with either a physical card or a digital wallet. When a physical card is used, the transaction is performed using the card’s Funding Primary Account Number (FPAN). When a digital wallet (for example, Apple Pay or Google Pay) is used, the transit tap generates a Device Primary Account Number (DPAN). If an aggregated or end-of-day transit transaction is declined, an outstanding debt is created and may be recovered through a Merchant-Initiated Transaction (MIT) debt recovery flow, using the appropriate account number, in accordance with applicable card-scheme rules.

Key points:

Debt recovery may originate from transactions that initially used a DPAN or FPAN.
For the Mastercard transit program the MIT debt recovery requires the use of the FPAN also for the cases that DPAN was initially used.
Successful debt recovery enables removal of the card from the transit deny list.

Mandate

Does not apply.

Audience

Users of Merchant-Initiated Transactions.

Benefit

DPAN debt recoveries are now possible for Mastercard. This does not affect Visa DPAN debt recoveries.

Technical Details

None.

Important Dates

Released to production April 24, 2026.