Contactless EMV®
Payments For Public Transit

Introduce your riders to a convenient and secure way to pay: contactless bank cards.

Introduce your riders to a convenient and secure way to pay: contactless bank cards.

More than 51% of Americans are using some form of contactless payment cards. Bank cards and mobile wallets such as Apple Pay and Google Pay are a standard in everyday transactions. Combined with the impact of the pandemic, more and more people are turning to contactless payments than ever.

Modeshift offers a payment solution that can be adopted by riders immediately – a simple payment method they’re already familiar with. This solution is cheaper for the agency than cash handling. It’s also much better suited to the pressing need for data that agencies face today in their quest to provide better service.

This solution is called contactless EMV® payments.

Using our cEMV solution agencies can decrease their exposure to cash by providing contactless bank card payments to their riders.

What is EMV®?

EMV® (Europay, Mastercard, Visa) is a payment standard that allows riders to use a contactless bank card (credit, debit, e-wallet, etc.) to pay for their trips.

Using contactless (open-loop) cards, Modeshift can automatically calculate fares according to the type of trip, effectively bringing the best possible rate to every rider.

Supported by Visa, MasterCard, Amex, Discover, Apply Pay and Google Pay, EMV® payments are a robust alternative to cash. EMV® payments are secure and reliable and can also help reduce operational costs and cash handling.

Benefits of EMV® payments

  • Cash handling operations decrease with the adoption of contactless payments: drivers no longer need to handle cash (which is expensive – minimum 15c/dollar)
  • Immediate adoption: riders no longer need to buy or top up smart cards or mobile apps. Riders do not have to buy any kind of ticket in advance.
  • Reduced operational costs: transit agencies can reduce the expensive process of issuing and managing smart cards or tickets.
  • Decreased boarding time: the process takes less than ½ second.
  • Mobile phones and smart watches with Apple Pay and Google Pay are also available as EMV® payment options.

Our EMV® solution includes:

Contactless payments supported by Visa, MasterCard, Amex, Discover, Applе Pay and Google Pay.

Secure transactions: works according to the Visa and Mastercard mass transit regulations; PCI-DSS compliant; EMV® Level 1, 2 and 3 certified system.

Reliable infrastructure: transactions happen offline as specified by Visa and Mastercard.

Fixed and flexible fares based on capping and aggregation.

Detailed analytics on transactions, sales, and riders’ flow.

Service desk for handling blacklists and other rider support cases.

Fare-inspection terminals (if required).

Self-service portal allowing the riders to check their transactions and trips.

Fraud monitoring and prevention.

Integrated with our account-based ticketing system: open-loop cards can be used for monthly passes, discounted fares, and validations that do not actually charge the cards.

Read more on our blog