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:
- Journeys are multimodal.
- Fares are based on distance.
- Points of entry are contactless.
- Accounts are verified with an account verification request (AVR) 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 the card is valid.
- Token Management Service(TMS) option for managing sensitive authentication data (SAD).
- Multiple card taps can be aggregated into a single payment.
- The back office manages the deny list and distributes them to terminals.
- The back office records all trips and fares to perform journey reconstruction to calculate the final fare.
- Standard follow-on payment services can be used to capture, reverse, or void transactions.
- First ride risk protection when the first authorization fails.
- When the AVR authorization is declined, debt recovery can be performed
Figure:
Visa Mobility and Transport Transaction Model
