EMV – Contactless Payments

When payment becomes the ticket

In today’s mobility landscape, simplicity and security are no longer optional.
Passengers expect to board, validate and travel seamlessly — without barriers, without complex registrations and without the need to purchase a ticket in advance.

Pluservice’s EMV solution was created to meet exactly this expectation: turning payment into a natural, immediate and reliable experience, using tools passengers already carry with them.
The contactless bank card becomes the ticket, and the journey starts with a simple tap.

EMV: a global standard serving mobility

EMV is the international standard for electronic payments with credit and debit cards, adopted worldwide to ensure high levels of security, interoperability and reliability.

Applied to public transport, this model goes beyond traditional ticketing concepts, enabling direct access to services through the main banking networks.
The result is a fast, secure and universally recognised contactless payment system, suitable for urban, suburban and tourist mobility contexts alike.

The Pluservice EMV solution for public transport

Pluservice has developed an end-to-end EMV platform specifically designed for public transport, integrating payment, validation and settlement within a single, coherent ecosystem.

Passengers simply tap their contactless bank card on on-board validators or access gates. Each validation is processed as a secure EMV-compliant transaction, with no need for prior registration or the issuance of physical tickets.

The system automatically calculates the correct fare based on the journey taken and the configured fare rules, supporting advanced logics such as post-pay and price capping.
Charges are processed automatically, reducing friction for passengers and simplifying operational management for transport operators.

An advanced deny list system also identifies and blocks invalid or unfunded cards, ensuring service continuity and financial security.

A seamless experience for passengers, a concrete advantage for operators

From the passenger’s perspective, EMV removes all complexity: no tickets to buy, no apps to install, no mandatory registrations.
Travel becomes faster, smoother and more accessible, with the ability to review validation and charge history through dedicated portals.

For mobility operators, EMV represents a tangible evolution of the sales model.
It reduces operational costs related to ticket distribution, lowers dependency on physical infrastructure and simplifies financial flows — all while maintaining high levels of security and certification.

Hardware-independent and built to scale

The Pluservice EMV solution is hardware-independent.
It works with validators from different manufacturers, as long as they are EMV-certified, offering maximum technological freedom and protecting investments over time.

This flexibility allows transport operators to introduce EMV gradually, alongside existing ticketing methods, and to evolve the system progressively in a sustainable and scalable way.

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