Fare Payments-as-a-Service

A Better Way of Running Ticketing Systems for Public Transport

What is Fare Payments-as-a-Service?

When selecting how to implement a fare payment/ticketing/fare collection system – cities, agencies and operators have a choice. They can build or deploy a bespoke solution from an AFC supplier. However, because these systems are bespoke single instance solutions they come with inherent problems. They are expensive to build, maintain and update, often take years to go live with a significant build risk, and do not update with new features and functionality without additional spending and resources, so often ‘decay’ for years.


Cities, agencies and operators can opt for a Fare Payments-as-a-Service approach by using a multi-tenant fare payments platform. When using a platform, once a capability is built it can be deployed extremely quickly for every agency who needs it (as everyone is using the same platform and code). It’s far more cost-effective to deploy, maintain and update because costs are amortised across all users, and everyone using the platform benefits from constantly improving features and functionality, as one update benefits everyone. Fare Payments-as-a-Service removes the cost, risk and complexity of providing the latest fare payment innovations to transit agencies, operators and riders.

contactless emv ticketing by card or phone
mobile ticketing app
account based ticketing from ticket to cloud
mobility as a service app

Introducing Fare Payments as a Service

A NEW and BETTER way of delivering Fare Payment services to agencies and passengers.

The Problems with Bespoke AFC Systems

Transit agencies and transport operators have traditional purchased their own bespoke Automated Fare Collection (AFC) systems. These solutions are expensive to build, maintain and update and come with problems which are no longer necessary:



Agencies and operators are overpaying unnecessarily for fare collection by buying bespoke technology.

slow to deploy

Slow to Deploy

Fare collection deployments using bespoke technology can take years to go live.

system does not update

No Updates

Bespoke system do not benefit from regular updates (unless a significant amount of money is spent).

closed system


Bespoke systems tend to be closed in nature and difficult to connect with new systems or enable MaaS (without expense).

The Solution, Fare Payments-as-a-Service

Fare Payments-as-a-Service offers a better way of providing fare payment services to transit agencies and operators. Instead of running a design and build project delivering a bespoke AFC system, agencies can sign up to a multi-tenant fare payments platform which is already live. This enables agencies to deliver the latest innovations to riders extremely quickly and grow capabilities as they get regularly released onto the platform.

By running procurements based on outcomes and holding vendors to targets and KPIs, agencies can free up technology providers to offer the best solutions to problems not building solutions to meet detailed specifications.

The Benefits of Fare Payments-as-a-Service:

cost effective


Reduced capital, maintenance and update costs.

quick to deploy


Once functionality is added to the platform it’s super quick to deploy.

free updates

Regular Updates

New functionality is delivered regularly to everyone.

open api integrations

Open Integrations

An open API centric architecture means the platform can link to existing (or new) systems.

fare payments roadmap

Future-Proof Roadmap

A roadmap of new features and capabilities removes the complexity of running ticketing services and allows agencies to keep up with the pace of technology change.

MaaS Enabled

Mobility as a Service (MaaS) Enabled

Enabling MaaS for public transit is a key requirement as agencies look to attract more people to leave their cars at home.

community connections


Enabling concession, cash digitization and dematerialization with a digital-first approach, saving money and increasing convenience.

tap and ride account based ticketing

Account-Based Fare Payments

Fare Payments as a Service enables the delivery of tickets but also facilitate the latest account-based ticketing experiences, meaning riders no longer need to buy a ticket or understand fares to travel.

Transit Agency Research Report: The State of Fare Collection

In order to better understand the fare collection market, Masabi issued a survey to professionals working for transit agencies and operators around the globe. Download the report to learn more.

A Guide to Fare Payments-as-a-Service for Public Transit

This eBook provides a comprehensive guide for transit agencies and operators looking into Fare Payments as a Service.

Fare Payments as a Service Guide
Justride Fare Payments Platform
Masabi’s Justride is the leading Fare Payments platform for public transport.
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