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Mass Transit Payments

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Mass Transit
Payments

An automated fare collection (AFC) platform supporting open-loop and closed-loop payment acceptance across metro, bus, ferry, and parking networks. Enables commuters to pay with contactless cards, mobile wallets, QR codes, and transit cards — with fare capping, multi-modal journeys, and concession management.

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Architecture Overview

Mass Transit AFC Platform Architecture

Click to expand. The diagram shows transit modes, the AFC platform core, payment acceptance methods, and back-office capabilities including fare capping and analytics.

Mass Transit PaymentsOpen-loop & closed-loop fare collection for transit networksMetro / RailBus NetworkFerryParkingAFC PlatformAutomated Fare CollectionOpen & Closed LoopEMV · QR · NFC · RFIDContactlessCardMobileWalletTransitCardQR CodeFare CappingMulti-modalConcession MgmtBack-office ReconPassenger AnalyticsOpen-loop transit payments — EMV, NFC, QR & RFID
Expand diagram

Platform Capabilities

What the Platform Delivers

Open-loop contactless card acceptance (EMV)
Mobile wallet acceptance (Apple Pay, Google Pay)
QR code fare payment
Closed-loop transit card management
RFID and NFC reader integration
Fare capping (daily, weekly, monthly)
Multi-modal journey management
Concession and discount management
Back-office settlement and reconciliation
Passenger analytics and reporting
Validator and gate hardware integration
Central clearing and revenue distribution

Key Features

Built for APAC Requirements

Open-Loop Acceptance

Accept any contactless Visa, Mastercard, or UnionPay card — and any digital wallet — at fare gates and validators, eliminating the need for a proprietary transit card.

Fare Capping

Automatically cap fares at daily, weekly, or monthly limits — giving commuters the benefit of a season ticket without requiring advance purchase.

Multi-Modal Journeys

Link metro, bus, ferry, and parking transactions into a single journey — applying combined fare rules and providing a unified travel history to passengers.

Revenue Distribution

Automatically calculate and distribute fare revenue across multiple transport operators based on journey legs — with full audit trail and regulatory reporting.

Typical Use Cases

Who Uses This Platform

  • Metro and rail operators deploying open-loop fare collection
  • Bus networks transitioning from cash to contactless payment
  • Transport authorities building multi-modal payment platforms
  • Parking operators accepting contactless and mobile payment
  • Government agencies modernising public transport payment infrastructure

Get Started

Ready to Implement?

Proximo's specialists will scope the implementation, manage the vendor relationship, and deliver a production-ready system — configured for your APAC market.

Discuss Transit Payments