Transit Payment Gateway

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.

AFC

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.

AFC Benefits