Transit

Overview

A transit transaction is a contactless transaction performed at a transit terminal, such as a subway gate reader.

According to Mastercard and Visa implementation guides for transit, a transit transaction is typically treated as a zero-amount ODA transaction (offline transaction).

In high-traffic environments, speed is critical. To improve the user experience, a transit transaction can be completed without end user authentication. This is how the transit experience works in NFC Payment.

For a Mastercard digital card profile, the CVM model must be Flexible CDCVM and must support payments without authentication for transit use cases.

User experience

The end user taps the transit reader to access the transit system. The transaction uses the default digital card. No end user authentication is required.

Flow

Transit payment experience.

SDK

Configure the transit experience during D1 SDK initialization, as shown in the code snippet below.

Android Java

// NFC Payment configuration: transit transaction
D1PayConfigParams configParams = D1PayConfigParams.getInstance();
// Set to true to allow a transit transaction without CDCVM.
configParams.setTransitExperienceAllowed(true);