Mass Transit Transactions

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Cybersource
 offers these types of transactions for mass transit fare collection and management.

Single Fare

This type of transaction uses a contactless terminal at points of access to the transit service. The single fare model functions on a "pay as you go" basis, where each journey's fare is individually processed after every trip. Since the fare might not be known at the time of tapping, both tap-in and tap-out data are collected and sent to the transit system.

Figure:

Single Fare Transaction Flow
Diagram that illustrates an aggregated transit transaction.

Aggregated

This type of transaction uses a contactless terminal at points of access to the transit service. The final fare charged is not always known at the time of travel. Each fare is calculated at the end of a trip. The fares are then aggregated together and charged to the customer at the end of a travel period or when the aggregated fare limit is breaches.
The travel period is also called as Maximal Travel Time (MTT) which should not exceed beyond 14 days. The aggregated total fare limit is called as Cumulative Spend Limit (CSL). The Cumulative Spend Limit (CSL) is decided by the merchant.

Figure:

Aggregated Fare Transaction Flow
Diagram that illustrates an aggregated transit transaction.

Debt Recovery

This type of transaction retrieves outstanding debt in the event of a decline of the aggregated, end-of-day transaction. A debt recovery transaction is also required in order to remove a card from a deny list. Card schemes require you to process merchant-initiated debt recovery. You can also offer tap-initiated debt recovery at the transit entry point or cardholder-initiated debt recovery online.

Figure:

Merchant-Initiated Debt Recovery Flow
Diagram that illustrates a merchant-initiated debt recovery.

Stand Alone Credit

A
stand-alone credit
 is a credit that is not linked to a capture. There is no time limit for requesting a stand-alone credit.
When a request for a credit is successful, the issuing bank for the payment card takes money out of your merchant bank account and returns it to the customer. It usually takes two to four days for your acquiring bank to transfer funds from your merchant bank account.
Carefully control access to the credit service. Do not request this service directly from your customer interface. Instead, incorporate this service as part of your customer service process.