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
Diagram of the Visa mass transit transaction model.