Mastercard Pay As You Go Model {#um-models-flows-mc-payg-intro}
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The Mastercard transit transaction model is Mastercard Pay As You Go (PAYG).

Mastercard Pay As You Go Model Features {#um-models-flows-mc-payg-feature}
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These are the key features of the Mastercard PAYG 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.
* `Token Management Service` (`TMS`) option for managing sensitive authentication data (SAD).
* 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.

Mastercard Pay As You Go Workflow {#um-models-flows-mc-payg-flow}
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The Mastercard PAYG workflow begins when the rider taps a payment card at the fare collection terminal.

#### Figure:

Mastercard Pay As You Go Model  
![Diagram showing the Mastercard Pay As You Go model](/content/dam/documentation/cybs/en-us/topics/payments-processing/card-processing/mass-transit/images/pay-as-you-go-model-460x440.svg/jcr:content/renditions/original)

1. The cardholder taps the card to enter the transit system.
2. The gate validates the card using Mastercard combined data authentication (CDA), card expiration date, and the deny list.
3. When the card is valid, the gate allows the passenger to enter the transit system.
4. When the CDA fails, the card is added to the deny list, and the debt recovery process begins. See [Debt Recovery Workflows](/docs/cybs/en-us/urban-mobility/developer/ctv/rest/mass-transit/um-transit-models-flows-intro/um-models-flows-common-intro/um-models-flows-common-debt-recovery.md "").
5. You send an authorization request for a nominal amount. See [Mastercard Authorization with EMV Data](/docs/cybs/en-us/urban-mobility/developer/ctv/rest/mass-transit/um-processing-emv-vpc/um-processing-mc-auth-intro.md "").
6. When the authorization is successful, you calculate the fare for the travel period and submit a sale request at the end of the travel period.