Mastercard Pay As You Go Workflow
The Mastercard 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
- The cardholder taps the card to enter the transit system.
- The gate validates the card using Mastercard combined data authentication (CDA), card expiration date, and the deny list.
- When the card is valid, the gate allows the passenger to enter the transit system.
- When the CDA 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 Mastercard Authorization with EMV Data.
- 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.