American Express Pay As You Go
The American Express Pay As You Go (PAYG) model is a delayed authorization using the Expresspay transit policy. These are the key characteristics of this model:
- Journeys are multimodal.
- Fares are based on distance.
- Points of entry are contactless.
- Accounts are verified with an authorization for a nominal amount or the maximum fare amount.
- The deny list is checked so that cardholders with previously declined transactions can be blocked.
- Data can be authenticated offline to confirm that the card is valid.
- Multiple card taps and fares can be aggregated into a single payment.
- The deny list is automatically updated every 20 minutes.
- The back office records all trips and fares in order to reconstruct journeys and calculate the final fare.
- When the nominal amount authorization is declined, debt recovery can be performed.
- Standard follow-on payment services can be used to capture, reverse, or void transactions.
Figure:
Pay As You Go Delayed Authorization Model
