Contactless EMV Payments

Intuitive Pay-As-You-Go solution that offers accelerated boarding and best-in-class ride experience. Our solution is developed as an add-on system specifically for public transport, in full compliance with Visa and Mastercard guidelines for mass transit.

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Key features

Merchant portal

Will provide the main functionalities to operate the service. This includes transactions overview and processing, fare capping rules, debt recovery, reconciliation, tokenization, payment gateway, settlements and many more. The solution supports a wide range of currencies.

Customer portal

Enables passengers to view their travel history over a safe and secure platform. Portal displays information about transactions, recent trips, and receipts. Similar information can be provided over an API if there is an existing website or app in place.

Analytics & reporting

Enables to analyze the service by providing thorough reports about transactions like sales, refunds, debts and declines. This helps to assess the service more accurately and make more informed decisions about optimisation.

Benefits

Quick & easy

Implementing contactless EMV payments is made quick and easy for the customer. For passengers an improved customer experience is guaranteed due to a familiar payment method and accelerated boarding. No more costly cash handling!

Secure & trusted

A solution that processes and manages payments requires the highest security measures to be in place. Our solution is PCI-DSS certified and hosted within one of the most resilient and secure environments. Can be used together with EMV Level 2 & 3 certified validators.

Flexible & universal

Our solution supports contactless EMV global payment standards and is therefore universally accepted. Intuitive Pay-As-You-Go fare structure enables authorities to introduce capping and will guarantee the best price for the customer.​

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Deliver cEMV and mobile payments that cut costs, speed up boarding, and give riders a smoother everyday journey.

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Supporting all public transport contactless models

Model 1 – Single Pay-As-You-Go

In this model, every tap of a bank card, phone, or smartwatch is processed as a direct transaction for a single trip. The system charges a fixed fare immediately, without additional fare calculations or post-processing. It is straightforward to implement and well suited for networks with flat fares or occasional travel patterns.

Model 2 – Aggregate Pay-As-You-Go

Here, taps are recorded and aggregated over a defined settlement period, such as a day, week, or month. Instead of charging per journey, the system calculates the most cost-efficient outcome by applying rules such as daily caps, weekly caps, or multimodal discounts, and then issues a single combined charge. This model ensures passengers always pay the best fare available while reducing the number of payment transactions.

Model 3 – Bank Card as a Credential

In this setup, the card doesn’t pay at tap; instead, it serves as a credential to verify that the passenger has already purchased a fare product—such as a season pass—stored in the backend. When tapped, the system checks validation status instead of processing a transaction.

Hear it straight from our customers

  • Implementing contactless payment in Vilnius public transport is a major step towards modernizing our city’s infrastructure. We are excited to offer a solution that not only simplifies the payment process but also supports our commitment to creating a more efficient and user-friendly public transportation system.

References

GiOC

The Municipal Information and Computing Centre in Kyiv, Ukraine, where Model 1 contactless payments across the public transport network are implemented.

Västtrafik

The public transport authority serving the Västra Götaland (Sweden) region with multimodal mobility, where Model 2 contactless payments are already part of everyday travel.

Tartu City Transport

The public transport authority delivering reliable daily mobility across Estonia’s second-largest city, and the first to implement Model 3 (Bank Card as a Credential) in Northern Europe.
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