Users of selected Samsung Galaxy foldable smartphones including the Galaxy Z Flip 5 can now customise their phone screen with an NFC-enabled insert that enables them to coordinate the on-screen design with accessories in Samsung’s Eco-Friends range.

The accessories are made using a minimum of 40% recycled materials and feature 11 characters and designs from Disney, Marvel, Minions, Pokémon and popular K-pop artists.

“Also available with this launch is the ability for customers to coordinate their foldable phone screens with Samsung Eco-Friends accessories through near-field communication (NFC) technology and QR codes. This allows users to express themselves with a design that is cohesive from case to screen,” Samsung says.

“With the introduction of the Galaxy Z Flip 5, the exclusive Flipsuit case features an NFC-based Flipsuit card that enables a new experience by automatically playing screen themes when it is inserted into the product.

“By simply replacing the Flipsuit card provided by Samsung Eco-Friends, customers can easily set the screen theme depending on their preferences.”

At launch, the Eco-Friends range of accessories is available in more than 40 countries including South Korea, China, the Netherlands, Singapore, South Africa, UAE and the US.

Google launched a similar feature for its Nexus phones in 2016. My Live Case users could match up the wallpaper image on their phone with the design on a custom case using an NFC chip embedded in the case.

Samsung lets Galaxy foldable phone users customise their device using NFC was written by Tom Phillips and published by NFCW.

Merchants in Brazil can now accept contactless payments on their iPhone with no other hardware required, Apple has announced.

“Tap to Pay on iPhone is available to payment platforms and app developers in Brazil to integrate it into their iOS apps and offer the payment option to their business customers,” Apple says.

“CloudWalk now offers Tap to Pay on iPhone for its Brazilian business customers, and other payment platforms, including Granito, Nubank, Stone and SumUp, will be available soon.”

“Tap to Pay on iPhone has helped businesses around the world and of all sizes — from freelancers to large retailers — offer new payment experiences, and we’re excited to bring an easy, secure and private payment solution to Brazilian merchants,” vice president of Apple Pay and Apple Wallet Jennifer Bailey says.

“Brazil is a nation of great entrepreneurship, and now companies will have the possibility of accepting contactless payments in all locations of operation.”

Apple’s Tap to Pay on iPhone softPOS offering went live in the Netherlands in August and in the UK in July. The NFC payments acceptance service is also available in the USA, Taiwan and Australia.

Apple goes live with Tap to Pay on iPhone in Brazil was written by Sarah Clark and published by NFCW.

The National Payments Corporation of India (NPCI) has unveiled a suite of United Payments Interface (UPI) services that includes UPI Tap & Pay NFC-enabled QR codes, QR code-enabled ATM withdrawals, the addition of support for offline NFC payments to the UPI Lite X digital wallet, and Hello! UPI and BillPay Connect conversational payment systems.

UPI Tap & Pay’s NFC-enabled QR codes allow consumers to pay for in-store purchases by tapping their NFC device rather than by scanning the QR code itself, while AI-driven Hello! UPI and BillPay Connect enable users to initiate and complete digital payments using UPI on their smartphone or Internet of Things (IoT) device with just their voice.

According to the NPCI, the NFC-enabled UPI Lite X digital wallet will enable users to “send and receive money whilst being completely offline, therefore, allowing users to initiate and execute transactions even in areas with poor connectivity, such as underground stations, remote areas etc”.

UPI Tap & Pay will also be “a significant move towards enhancing QR code and NFC technology adoption”, the NPCI adds.

“In addition to the conventional scan and pay method, users now have the option to simply tap NFC-enabled QR codes at merchant locations to complete their payments.”

Voice payments

“The introduction of conversational UPI payments will augment user experience by enabling them to make voice-enabled UPI payments via UPI apps, telecom calls and IoT devices in Hindi and English, and will soon be available in several other regional languages,” the NPCI says.

“This expansion will broaden payment accessibility for most Indians who are fluent in their native languages, providing significant benefits to senior citizens and digitally inexperienced individuals.

“Users can simply give voice commands to transfer funds and input [their] UPI PIN to complete the transaction.”

With BillPay Connect, consumers can “conveniently fetch and pay their bills by sending a simple ‘Hi’ on the messaging app”, the NPCI says.

“Along with this, customers without smartphones or immediate mobile data access will be able to pay bills by giving a missed call. Customers will receive an immediate call back for verification and payment authorization.

“Additionally, BillPay Connect offers [the] Voice Assisted Bill Payments facility. Customers can fetch and pay bills through voice commands on their smart home devices and get instant voice confirmation.

“Moreover, instant voice confirmations will be enabled for bill payments made at physical collection centres through payment soundbox devices.”

The Reserve Bank of India announced that the UPI Lite digital wallet would soon be adding support for NFC payments in August.

National Payments Corporation of India launches NFC-enabled QR codes and contactless voice payments on UPI was written by Tom Phillips and published by NFCW.

Apple has rolled out iOS 17, the latest version of its iPhone operating system, bringing with it support for NameDrop, a new service that lets users swap contact details, share photos and videos, and use SharePlay to “stream supported content, listen to music, play games and more in sync with a friend by holding your iPhone close to your friend’s”.

“Hold your iPhone near someone else’s to swap phone numbers, email addresses and Contact Posters with NameDrop,” Apple says. “You can also initiate an AirDrop transfer, or start a SharePlay session, when you bring two phones close together.”

iPhone owners using NameDrop to share contact details see an on-screen glow emerge at the top of both devices to indicate a connection is being made when they are unlocked and brought into close proximity. A moment later NameDrop will appear on both screens, giving users the option to share their details with the other or receive only.

Apple rolls out iOS 17 with support for music, games and contact sharing via NFC was written by Sarah Clark and published by NFCW.

School students aged 13 to 16 in Northern Ireland can now create and store a digital travelcard on their smartphone that they can use to purchase reduced fare bus and train tickets and prove their age to public transport staff.

Eligible users can generate public transport provider Translink’s digital Under 16 Travel ID credential in an app on their Apple or Android device by scanning a QR code to open an account, uploading their phone number and school email address, and verifying their identity by taking a selfie.

“Your selfie will be used to create your biometric key. When you take certain actions in the app, you will be asked to supply a selfie or a scan of your face. This will ensure that no one else is able to use the app to impersonate you,” Translink explains.

“The new student travelcard will be stored in the Yoti app,” the public transport provider adds.

“The app was designed to protect your personal data from being accessed or sold to third parties. Translink will not hold any of your personal data — photos, emails or phone numbers.

“Once security checks have been completed, your personal information cannot be forwarded to any businesses or individuals unless you choose to send them.”

Translink began rolling out interoperable fare-capped contactless ticketing across Northern Ireland in November 2022.

Translink lets school students use digital IDs to prove their eligibility for concessionary fares was written by Tom Phillips and published by NFCW.

EMVCo has formed an Electric Vehicle Open Payments Task Force that will “work with various industry stakeholders to explore how EMV payment technology could help support a secure and seamless electric vehicle (EV) charging payment experience.”

“Today, many EV users are required to sign-up for different proprietary applications or memberships to pay at charge points, which can lead to an inconvenient experience,” says Joy Huang, EMVCo executive committee chair.

“Consumers globally have come to expect a simple, safe and familiar experience when paying for goods and services in-store and online. The same should apply for EV users at charge points.”

“An open payment approach helps address this challenge by enabling EV users to pay for charging in a familiar and consistent way using their preferred payment method.”

Priorities for the new task force include engaging with industry bodies such as CharIN, the International Organization for Standardization (ISO) and the Secure Technology Alliance to examine opportunities for integrating EMV specifications with existing EV charging standards and protocols to support interoperable, open payments, the standards body says.

“This includes the ISO 15118 ‘Plug & Charge’ standard, which specifies a digital communication protocol between an EV and a charge point.

“The task force will also explore the potential for developing dedicated EMV specifications for EV charging payment products, as well as supporting functional approval and security evaluation processes.”

EMVCo forms electric vehicle open payments tasks force was written by Sarah Clark and published by NFCW.

Hungarian transit authority Budapesti Közlekedési Központ (BKK) has begun trialling an open loop contactless fare payment system that enables passengers to pay their fares on the 100E airport shuttle bus in Budapest by tapping an onboard validator with their physical or digital debit or credit card.

“Passengers are not required either to make a registration in an app or on another online interface and they are not required to hold a paper-based ticket until the end of their trip. They only need to use their bank card or smart device at the validators to be found onboard the vehicle,” the transit authority says.

BKK announced in November 2022 that it was planning to test open loop contactless ticketing on the airport shuttle bus and BKK launched the BudapestGO Mobility-as-a-Service app in February the same year.

Budapest pilots open loop contactless fare payments on airport shuttle bus was written by Tom Phillips and published by NFCW.

The latest versions of Apple’s smartwatches — the Watch Series 9 and Watch Ultra 2 — feature a new ultra wideband (UWB) chip to deliver precision location services.

“A second-generation ultra wideband chip enables new integration with HomePod,” explains Apple. “When music is playing, Apple Watch Series 9 opens the Now Playing screen to let you control it. If nothing is playing, the Smart Stack will offer media suggestions to play on HomePod.”

“Also enabled by the second-generation ultra wideband chip, Precision Finding can now direct you to your iPhone by showing you its approximate distance and direction,” continues the Cupertino-based phone maker. “And when you get close, haptic feedback, an audible chirp, and a visual indicator help you zero in on it.”

UWB’s ability to provide high precision location data is also the key to other functionalities; in keyless entry applications for cars for example, Bluetooth LE is enough to ascertain that the driver is in proximity to the vehicle, but UWB can tell which door they are approaching. 

Meanwhile, Dutch bank ING tested UWB contactless payments in an internal trial in 2022.

Apple watches have come with UWB since 2020’s Series 6. Apple’s Watch Series 9 and its rugged sibling Apple Watch Ultra 2 were announced this week and will be available at retail from 22 September 2023.

• Daniel Knobloch, vice president of the Car Connectivity Consortium (CCC) and wireless systems architect at BMW of North America, has recorded a presentation on the current status and future outlook for digital car keys for Contactless World Congress. Watch it here.

Apple’s new watches get UWB upgrade was written by Mike Clark and published by NFCW.

The US Consumer Financial Protection Bureau has issued a report that highlights how Apple and Google’s role in enabling NFC contactless mobile payments impacts the US contactless payments market.

“Apple currently forbids banks and payment apps from accessing the tap-to-pay functionality on Apple iOS devices and imposes fees through Apple Pay,” the CFPB says. “Google’s Android operating system does not currently have such a policy.

“The issue spotlight explains how regulations imposed by mobile operating systems can have a significant impact on innovation, consumer choice, and the growth of open and decentralized banking and payments in the US.”

The CFPB’s analysis found that:

• POS payments made through mobile devices are often made using near field communication (NFC) technology. This technology makes it possible to make contactless payments using a mobile device and a checkout terminal. These are often referred to as ‘contactless’ payments or ‘tap-to-pay’.
• Use of tap-to-pay at the POS continues to rise in the US as NFC technology has become more commonly included in both mobile devices and payment terminals. This growth is expected to continue — analysts estimate that the value of digital wallet tap-to-pay transactions will grow by over 150% by 2028.
• Apple and Google dominate the smartphone operating system market. As adoption of contactless payments on mobile phones continues to increase, these two companies, and the business models and choices they employ, will have profound impacts on the competitiveness of the payments market and the future of open banking.
• While the use of quick response (QR) codes to make POS payments is growing, it is currently less popular in the US than making payments using NFC technology. Payments made through QR codes in the POS context may be less preferred by those making and accepting payments, perhaps due to difficulty of use compared to NFC. QR code payments are also less secure than NFC payments.
• Financial services providers, including bank and nonbank players, can offer applications to facilitate POS payments. However, these apps cannot rely on NFC technology on mobile devices using Apple’s iOS operating system. This includes widely used payment apps such as PayPal, Venmo and Cash App, all of which are well-positioned to compete in the POS market. Instead, consumers must use Apple’s proprietary payment service, Apple Pay.
• While Google’s Android operating system, which is the other major mobile operating system in the US, does not currently restrict access to NFC capabilities, they could reverse this position in the future given their existing market position and relationship with hardware manufacturers.
• Mobile device restrictions such as those related to NFC can inhibit choice and innovation in consumer payments. This type of arrangement may also increase roadblocks to open banking reaching its full potential in the US. For example, such restrictions may hinder lower-cost open banking-powered payment innovations, such as emerging services that enable consumers to make point-of-sale transactions using their bank accounts directly.

“Regulations imposed by Big Tech firms have a big impact on whether consumers and businesses can make payments using third-party apps,” CFPB director Rohit Chopra says. 

“We are carefully evaluating Big Tech’s role in our banking and payments system.”

The full ‘Big Tech’s Role in Contactless Payments: Analysis of Mobile Device Operating Systems and Tap-to-Pay Practices’ report is available to view on the CFPB’s website.

US Consumer Financial Protection Bureau reports on Big Tech’s role in contactless payments was written by Sarah Clark and published by NFCW.

Passengers using metro services in the Indian city of Chennai will soon be able to make contactless fare payments with their open loop National Common Mobility Card (NCMC) rather than with a prepaid transit card.

Chennai Metro is to phase out support for closed loop prepaid smart cards and encourage passengers to pay for their journeys with their NCMC card that is linked directly to their bank account and which can be used to make fare payments on metro and bus services in other India cities.

Passengers will also still be able to buy QR code tickets on WhatsApp, Paytm and the Chennai Metro app, according to a report by The Times of India.

“While prepaid smartcards, which is also called a closed loop card that can be used only in metro stations and their parking lots in the city, NCMC is an open loop card which is linked to bank accounts and can be used for metro train rides in many cities and for shopping,” the report adds.

“Officials said many commuters refused to purchase smartcards as they do not use metro services daily and their money gets locked in the cards as cash is pre-loaded.

“With NCMC, commuters can use it like a debit card.”

Delhi revealed plans in January to roll out NCMC-compatible contactless fare payments on the Indian capital’s buses.

Chennai Metro adds support for contactless fare payments with National Common Mobility Card was written by Tom Phillips and published by NFCW.

CWC SPEAKER RECAP: Contactless World Congress is a year-round online conference and expo that brings you presentations from industry experts on the subjects that matter to those in the global contactless business. Here’s a round-up of the latest sessions…

Because our conference sessions are available as video on demand you can take part when it suits you and at your own pace. This conference is different: it’s accessible to all, there’s no travel, there are no delegate fees, and because recordings are so easy to schedule we can bring you a mix of senior international speakers that most in-person events can’t readily attract.

Recent presentations you may have missed include:

• Hands-free transport ticketing: Boy Hendriks of Transdev Netherlands on a pilot that is taking place in Eindhoven
• The Instant Payment Card: Alain Martin, president of the Smart Payment Association, explains how a new concept could lead to the successful introduction of a pan-European instant payments system.
• Digital Euro: Evelien Witlox, the programme director in charge of the European Central Bank’s digital euro project, reports on the current status and next steps in Europe’s digital currency journey.

…and coming soon we have presentations from the Tony Blair Institute for Global Change and EMVCo.

• Have you got a presentation for Contactless World Congress? Our conference secretariat tracks down and invites speakers who have useful expertise, experience or case studies to share with the industry and they’d like to hear from you if you have a new or existing presentation that deserves a wide audience. And if you have a company or product you’d like to promote, we also have speaker slots available for sponsors and partners — call +44 1341 760123 or email sales@nfcw.com to find out more.

CWC sessions you may have missed: Transdev, Smart Payment Association, European Central Bank was written by Mike Clark and published by NFCW.

Passengers travelling on Victoria Regional Transit System services in the Canadian province of British Columbia can now opt to pay their fares using a pre-loaded contactless card or by scanning a dynamic QR code stored in a dedicated app on their Apple or Android smartphone.

Public transportation provider BC Transit has launched the Umo Mobility app that enables users to create an account and purchase passes or add cash for fare-capped onboard fare payments, alongside the physical Umo transit card that can be topped up online, by phone or at selected vendors.

“When ready to travel, riders open their app to display a dynamic QR code that serves as their fare product. As riders board the bus, they present their app’s QR code to a new onboard digital validator,” BC Transit explains.

“The Umo app also provides riders with additional tools to help them plan their trip including real-time information and maps. 

“Riders also have the choice of using a reloadable Umo card. The card is designed for continued use and can be continually topped up with fare products.”

A short video shows how the Umo fare payments system works.

Following the rollout in Victoria, BC Transit plans to launch the Umo fare payments system across another 29 regional transit networks in the province and is also planning to enable open loop contactless fare payments “at a future date”.

BC Transit rolls out contactless fare payments with fare capping in British Columbia was written by Tom Phillips and published by NFCW.

Employees of businesses with offices in four skyscrapers in the Polish capital of Warsaw will soon be able to enter their workplace and get access to shared amenities by scanning a digital smart card stored on their smartphone on an NFC or Bluetooth-enabled reader.

Europe-wide property developer Ghelamco Group is implementing the contactless mobile access control solution at four flagship sites — Warsaw Spire, The Warsaw Hub, Warsaw Unit and The Bridge — as part of a scheme to standardise mobile and physical access systems.

The system uses HID’s Mobile Access system in combination with software developed by Ghelamco-owned Polish technology provider Signal OS that “manages not only all physical access control systems in the buildings, but offers an easy-to-use way to integrate lift and parking systems, closed-circuit TV, visitor management and — in the future — other building management systems and sensors that monitor air and water quality, for example”, HID explains.

To date, “mobile-enabled smart card readers have been installed throughout Warsaw Hub and Unit. In Warsaw Spire, while physical cards are still predominantly used, HID iClass SE readers with Bluetooth and NFC modules were fitted for testing to support a phased transition to mobile access. Moreover, mobile-ready HID Signo readers will be deployed in the upcoming Bridge skyscraper leveraging Seos as its underlying credential technology,” HID adds.

“The benefits of using HID Mobile Access solution in combination with Signal OS have been immediate. It is enabling Ghelamco to attract new clients who want to lease space in green, efficient and technology-led buildings.

“Money is also saved as PVC access cards are not required. They are commonly lost — leading to an obvious security risk — and create waste and carbon emissions to manufacture.”

Warsaw’s Skyliner building rolled out contactless mobile access control using HID’s technology in November 2021.

Four Warsaw skyscrapers to roll out contactless mobile access control was written by Tom Phillips and published by NFCW.

Fans of the Philadelphia Phillies Major League Baseball team in the US can now sign up to test a hands-free biometric ticketing system at Citizens Bank Park that enables them to gain access to home games at the stadium with their face.

Fans can register to take part in the test on the Major League Baseball (MLB) app which automatically links their biometric data to the tickets they have purchased and stored in their MLB app account.

They can then gain access to the stadium by simply proceeding through a dedicated lane where cameras authenticate their identity using biometric face recognition technology.

Citizens Bank Park is the first stadium in the US to test the MLB’s Go-Ahead Entry biometric system that combines “free-flow security screening technology and facial authentication-based gate management, resulting in a fast, hands-free entry into the ballpark”, MLB says.

“MLB’s Go-Ahead Entry technology uses a camera that will identify any opted-in fan as a registered member as they walk in — either alone or with their group — automatically scanning tickets once identified. No need to stop or even get a phone out.”

The camera will “scan your face to create a unique numerical token associated with you. The facial scans will be deleted immediately thereafter.”

“Only the unique numerical token will be retained and associated with your MLB account,” MLB adds.

During the trial, Go-Ahead Entry will be available at Citizens Bank Park’s First Base gate with plans to “expand the offering in 2024”.

Phillies trial hands-free biometric ticketing for baseball games was written by Tom Phillips and published by NFCW.

Transaction volumes for contactless in-store mobile payments made using an Interac debit card stored on a consumer’s smartphone have increased by 53% between August 2022 and July 2023, the Canadian domestic debit card network provider has revealed.

The same 12-month period also saw the total number of Interac mobile debit card transactions in Canada top 1bn for the first time, with notable increases in mobile debit card payments at restaurants and other eating places (63%) and at service stations (48%) over the past year, Interac says.

The widespread uptake of mobile payments by Generation Z adults is one of the key drivers behind the increase, with nearly eight in 10 Gen Z consumers saying they make payments using their smartphone (78%), and this has also encouraged growth in the proportion of Generation X consumers making mobile payments (currently 42%), according to a recent Interac survey.

“While Gen X Canadians appear to have more concerns about the security of mobile and contactless payments, their kids are influencing their payment habits,” the network provider says.

“Four in ten Gen Xers polled (41%) embrace payment options only after they have seen friends and family use them, while half of Gen Z respondents (5%) have taught older family members how to pay with their phone.

“As we look to the future, nearly two thirds of Canadians polled (63%) expect that it will soon be normal to leave home without a physical wallet, knowing you can pay with a smartphone or smartwatch.”

Interac reports surge in contactless in-store mobile transactions in Canada was written by Tom Phillips and published by NFCW.

Google Wallet has launched in Colombia, enabling users to store and use their credit and debit cards, boarding passes, tickets and other digital credentials on their Android NFC smartphone, Wear OS smartwatch or Fitbit device.

Google has added Colombia to the list of 70 countries where Google Wallet can be used to make contactless in-store payments. 

It says that, at launch, the service supports Mastercard and Visa credit and debit cards issued by Bancolombia and Banco Davivienda, Visa debit cards issued by Nequi, Mastercard credit cards issued by Nubank as well as American Express cards issued by Bancolombia.

Google Wallet began rolling out in 39 countries in July 2022, was extended to a further six in August 2022 and went live in Malaysia in November that same year.

The service also launched in Costa Rica in March this year, in Japan in April and rolled out in five further countries — Argentina, Albania, Bosnia and Herzegovina, North Macedonia and Montenegro — in June.

Apple Pay went live in Colombia in November 2021.

• NFCW maintains a list of major OEM Pay systems and the territories where they are live and available for public use.

Google Wallet goes live in Colombia was written by Tom Phillips and published by NFCW.

Southeastern Pennsylvania Transportation Authority (SEPTA) has begun trialling an open loop contactless fare payment system that enables passengers to pay for their journeys with their physical or digital credit card.

The authority is currently inviting passengers to sign up to join the pilot which will see a total of 200 users testing the service on buses, trolleybuses and subways prior to a wider rollout if the scheme is successful.

“SEPTA did not offer a definitive timeline for a wide-scale rollout, saying the pilot would continue until the agency was ‘satisfied with the volume of daily transactions and confident that the system is ready to be rolled out for general public use’,” The Philadelphia Inquirer reports.

“And riders of Regional Rail — which SEPTA said faces complexities with fare processing — will have to wait until early 2024 for a contactless payment pilot and eventual rollout.”

SEPTA set out plans to develop, implement and maintain a multimodal mobile and contactless fare payments system in April.

SEPTA begins testing open loop contactless fare payments was written by Tom Phillips and published by NFCW.

Tokyo Metro and Tokyu Corporation are to test enabling passengers on subway and rail services in and around the Japanese capital to make contactless fare payments with their debit or credit cards rather than a proprietary transit card, according to local media reports.

The companies are planning to pilot the service with the aim of making fare payments more convenient for foreign visitors who currently have to purchase a transit card or a paper ticket for each journey.

“Tokyo Metro will begin a trial for the service on some lines in fiscal 2024,” according to a Nikkei Asia report.

“Tokyu Corp, which operates commuter rail lines in the Tokyo area, plans to introduce the technology at some stations on its Den-en-toshi Line this summer, and expand the use to all stations in spring 2024.”

Tokyo to test open loop contactless fare payments on rail and subway services was written by Tom Phillips and published by NFCW.

The Clipper fare payment system in the San Francisco Bay Area of the USA is to enable passengers to make contactless fare payments with their physical or digital debit or credit card, Bay Area Rapid Transit (BART) has announced.

“The ability to pay for BART simply by tapping a credit or debit card is in the works,” the agency said in a post on X (formerly Twitter).

“The next generation of Clipper will be rolled out in 2024 and includes ‘open payment’ and transfer discounts. This also includes Google and Apple Pay without needing a digital Clipper card.”

Clipper began piloting a contactless transit pass that provides unlimited free public transport across the San Francisco Bay Area in August 2022.

A digital Clipper card was rolled out for Apple users in April 2021 and for Android users in May 2021.

Clipper to add support for open loop contactless fare payments across San Francisco Bay Area was written by Tom Phillips and published by NFCW.

Toronto Transit Commission (TTC) in Canada has added support for open loop contactless fare payments, enabling passengers travelling on streetcars, buses and Wheel-Trans para-transit vehicles in the city to pay fares with a tap of their physical or digital credit or debit card.

TTC has upgraded more than 8,700 card readers across its network to accept credit and debit card payments and reports that more than 59,000 journeys were paid for using the service in its first week of operation.

Passengers can still use TTC’s pre-loaded Presto transit card for fare payments and those who qualify for concessionary fares will need to continue using “a Presto card that has been set to deduct a youth, senior or Fare Discount Program fare”, TTC says.

A short video shows how the system works.

Toronto gets open loop contactless fare payments was written by Tom Phillips and published by NFCW.