Riders Demand Convenience & Speed
Closed-Loop Systems Limit Accessibility
Proprietary fare cards and apps create barriers for occasional riders, tourists, and new users who don't want another account to manage.
Long Lines Slow Boarding
Manual fare collection and ticketing delays boarding times, creating congestion at peak hours and frustrating passengers.
Limited Operational Visibility
Legacy systems lack real-time data on ridership patterns, fare revenue, and system performance — making planning reactive rather than proactive.
Our integrated Approach
Open-Loop EMV Payments
Accept contactless credit, debit, and mobile wallets directly at turnstiles and validators. No app downloads, no fare cards — just tap and ride.
EMV Validation on Devices
Turn standard Android devices into secure, EMV-compliant validators. Reduce infrastructure costs while maintaining full security and compliance.
Real-Time Data & Insights
Access live dashboards with ridership trends, fare capping, revenue analytics, and route performance. Make informed decisions with operational visibility.
Expected Business Outcomes
Open-loop transit payments deliver measurable improvements in rider experience and agency efficiency.
Ridership Growth
Lower barriers to entry, faster boarding
Cost Savings
Reduced card production, distribution, and support
Operational Insight
Real-time analytics for smarter planning
Smarter, Better connected Solutions
Instant Card Issuance
Digital issuance eliminates the material, personalization, and mailing overhead associated with plastic card fulfillment, allowing issuers to reallocate several dollars per account toward customer engagement and loyalty activation.
Apple Secure Element Integration
PayCloud eliminates 18-24 months of development time and millions in upfront infrastructure investment. We provide pre-certified Apple applets, existing EMVCo and Global Platform compliance, and proven integrations with banking cores and card processors. You skip the certification process entirely and deploy in 6-9 months instead of building, certifying, and maintaining your own TSM platform.
One Touch World Transit™
Enable contactless fare payment across bus, rail, ferry, and multi modal networks. Support both open-loop bank cards and closed-loop transit accounts on a single platform.
Fare Capping & Equity Programs
Automatically apply daily and weekly fare caps, transfer discounts, and subsidized programs — ensuring affordability without requiring pre-registration or top-ups.
Apple Secure Element Integration
Leverage Apple-grade hardware security with Secure Element technology that protects credentials at the chip level — delivering the same trusted protection as ApplePay for your branded payment products.
Our Trusted Partners & Collaborators
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