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Apple suggests streamlining the Apple Pay Transit process for users, according to a new report. Citing evidence found in the iOS 12.3 code, the report explains that Apple is working to extend the availability of the Apple Express Express Transit feature to new card types.
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Tap Down Under explains that Express Express is currently limited to "stored value cards" such as Suica. This is a card in which you keep a certain amount on the card itself and pre-charge it with funds when you miss it. This type of card is particularly common on transit passes, which is why it is supported by Express Transit in Apple Pay.
The code found in iOS 12.3 however suggests that Apple Pay users will soon be able to use EMV cards with Apple Pay Express Transit, which consist of Visa, MasterCard and American Express. This means that you can set a default shipping card from your existing Apple Pay cards and use this card with Apple Pay Express Transit. It would also be possible to distinguish the type of terminal on which you press your phone. If it is a terminal without transit, you will be prompted to authenticate as you would during a normal Apple Pay purchase.
The new channels discovered in the pass.json files of the Apple Pay card mention the new "Transit Network IDs" options, as well as the new passUpgrades / open loop options – which would provide an equivalent solution for Apple Pay customers.
You can set up your favorite EMV card (again, Visa, Mastercard or American Express) to use it for 'Express Transit'. No need to authenticate yourself, just tap your iPhone or look at an Opal reader.
This is consistent with Apple's plans to extend Apple Pay Transit to New York's MTA network this summer, as MTA supports the EMV card platform for contactless payments.
Apple Pay Express Transit allows users to quickly use their iPhone or Apple Watch to authenticate on contactless devices, without having to authenticate via Face ID or Touch, or even unlock their phone. . By using EMV cards in Apple Pay for Express Transit, users would not have to pre-load funds or convert funds into transit fares. This will greatly simplify the process.
The details here are still a little clear, but nonetheless, it's a good sign that Apple is working to extend Apple Pay's transit capabilities to as many users and zones as possible.
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