Transit Payment Gateway
A Transit Payment Gateway is a specialized digital payment system that facilitates fare collection in public transportation networks. It integrates with our Automatic Fare Collection (AFC) systems to enable seamless, secure, contactless and efficient fare processing across multiple transport modes—such as buses, metros, ferries, and trains. A Transit Payment Gateway is a specialized, secure platform that connects public transportation Automated Fare Collection (AFC) systems with wider payment networks (banks, card processors, wallets, and digital channels), enabling seamless real-time processing of multiple payment types such as contactless cards, EMV bank cards, mobile wallets, QR codes, and account-based payments—across bus, metro, rail, and other mobility services.
Key Features
- Multi-Channel Payment Acceptance: Supports EMV contactless (credit/debit), transit-branded closed-loop cards, mobile wallets (Google Pay, Apple Pay), QR code payments, and even newer biometric and virtual payments.
- AFC System Integration: Connects directly to the operator’s AFC back-end, enabling instant validation, ticketing, balance checks, and fare deductions for each passenger tap.
- Payment Security & Compliance: Utilizes encryption, tokenization, and rigorous authentication to secure payment data and comply with standards like PCI DSS.
- Data Reconciliation & Settlement: Automates reports to reconcile fare transactions, clear payments with banks, and manage multi-operator or multi-modal environments with real-time analytics.
- Open-Loop & Closed-Loop Support: Works with both open-loop (EMV/bank cards) and closed-loop (transit-issued) cards, allowing maximum flexibility for passengers and agencies
- Account-Based Ticketing Facilitation: Enables account-based travel, where fare calculation and settlement occur in the back office rather than on the card/device.
Key Components of a Transit Payment Gateway:
- Payment Processing Engine – Authorizes and settles payments via digital methods: UPI, cards (NCMC, debit/credit), wallets, and QR codes.
- Integration with AFC Systems – Syncs with ticketing machines, validators, turnstiles, and handheld devices.Ensures real-time fare deduction or tap-in/tap-out validation.
- User Authentication – Includes secure login, tokenization, or biometric (face, fingerprint) integration for personalized or account-based ticketing.
- Multi-Modal Support – Unified system across metros, buses, parking, e-rickshaws, and even tolls.
- UPI/NCMC/Card Acceptance – Supports NPCI standards for Unified Payments Interface (UPI) and National Common Mobility Card (NCMC).
- Backend Management – Admin portals for fare rules, reporting, reconciliation, and operator management.
- Real-Time Notifications – Sends fare deductions, travel history, and top-up alerts to users via SMS/app.
Key Benefits
- Faster Transactions: Reduces queuing time and improves passenger throughput.
- Cashless & Contactless: Enhances hygiene and convenience.
- Interoperability: Single payment mode for multiple transport systems and cities.
- Operational Efficiency:Reduces cash handling, leakage, and fraud.
- Data Insights: Provides ridership, fare trends, and operational analytics.
