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Visa Mass Transit Model

The Visa transit transaction model is Visa Mobility and Transport Transactions (MTT).

Figure:

Visa Mobility and Transport Transaction Model
Diagram of the Visa Mobility and Transport Transaction Model

Visa Mobility and Transport Transaction Model Capabilities and Features

This section describes the capabilities and features of the Visa MTT model.
The table lists the capabilities of this mass transit model.
Capabilities of the Visa MTT Model
Capability
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 request (AVR) performed on first use of card.
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
These are the key features of the Visa 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.

Visa Mobility and Transport Transaction Workflow

The Visa MTT workflow begins when the rider taps a payment card at the fare collection terminal.

Figure:

Visa Mobility and Transport Transaction Model
Diagram showing Visa Mobility and Transport Transaction Model
  1. The cardholder taps the card to enter the transit system.
  2. The validator checks the deny list to determine card validity, and allows the rider to enter the transit system.
  3. The back office submits an account verification request (AVR) to
    Cybersource
    . See Visa Account Verification Request with EMV Data.
  4. When the authorization fails, the card is added to the deny list, and the debt recovery process begins. See Debt Recovery Workflows.
  5. During the travel period, the back office collects the rider's tap data to calculate the fare.
  6. At the end of the travel period, the back office submits a deferred authorization and capture request. See Fare Calculation and Submission Workflow.
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