American Express Pay As You Go Workflow

The American Express Pay As You Go (PAYG) is a delayed authorization using the Expresspay transit policy workflow. It begins when the rider taps a payment card at the fare collection terminal.

Figure:

The cardholder taps the card to enter the transit system.
The gate validates the card using offline data authentication (ODA), the card expiration date, and the deny list.
When the card is valid, the gate allows the passenger to enter the transit system.
When the ODA fails, the card is added to the deny list, and the debt recovery process begins. See Debt Recovery Workflows.
You send an authorization request for a nominal amount. See American Express Authorization with EMV Data.
When the authorization is successful, you calculate the fare for the travel period.
At the last tap of the day, submit a follow-on capture request for the day's aggregated fare amount. For authorization and capture options, see American Express Authorization and Capture Options.