Discover Pay As You Go Workflow

The Discover Pay As You Go (PAYG) workflow begins when the rider taps a payment card at the fare collection terminal.

Figure:

Pay As You Go Model
Diagram of the Discover Pay As You Go Aggregated transaction model.
  1. The cardholder taps the card to enter the transit system.
  2. The gate validates the card using offline data authentication (ODA), the 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 ODA fails, the card is added to the deny list, and the debt recovery process begins. See Debt Recovery Workflows.
  5. You send an authorization request for a nominal amount. See Discover Authorization with EMV Data.
  6. When the authorization is successful, you calculate the fare for the travel period.
  7. When the fare is more than 15.00 USD, send an authorization or sale request for the higher amount. See Discover Sale with EMV Data.
  8. At the last tap of the day, submit a follow-on capture request for the day's aggregated fare amount.