Visa Mass Transit Model
The Visa mass transit transaction model is Visa Mobility and Transport Transactions
(MTT). See Visa Mobility and Transport Transaction.
Characteristics | MTT |
---|---|
Designed for very high customer throughput. | Yes |
Fare amount always known at the time the journey is started. | No |
Transit reader accepts contactless payments only. | Yes |
Intended for complex fares, including “capping” or
multimodal. | Yes |
Allows accumulation of multiple journeys into a single
transaction. | Yes |
Account verification requests (AVRs) performed on card’s first
use. | Yes |
Special liability model included (chargeback threshold). | Yes |
Requires declined cards to be blocked using deny lists. | Yes |
Requires merchant back office for fare calculation. | Yes |
Intended authorization model. | Deferred |
Authorization resubmissions for debt recovery. | Yes |
Visa Mobility and Transport Transaction
These are the key characteristics of the Visa Mobility and Transport Transaction (MTT) model:
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Journeys are multimodal.
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Fares are based on distance.
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Points of entry are contactless.
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Accounts are verified with an account verification request (AVR) authorization for a nominal amount or the maximum fare amount.
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The deny list is checked so that cardholders with previously declined transactions can be blocked.
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Data can be authenticated offline to confirm the card is valid.
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Token Management Service(TMS) option for managing sensitive authentication data (SAD).
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Multiple card taps can be aggregated into a single payment.
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The back office manages the deny list and distributes them to terminals.
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The back office records all trips and fares to perform journey reconstruction to calculate the final fare.
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Standard follow-on payment services can be used to capture, reverse, or void transactions.
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First ride risk protection when the first authorization fails.
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When the AVR authorization is declined, debt recovery can be performed
Figure:
Visa Mobility and Transport Transaction Model