How Contactless Fare Payment Works with FILIPAY

Contactless fare payment is the core of the FILIPAY experience. Here's how it works from tap to receipt.

Step 1: Load Your Account

Before riding, ensure your FILIPAY card or mobile app account has sufficient balance. You can load credits via:

• Bank transfer
• Credit or debit card
• Cash at partner establishments
• In-app top-up through the FILIPAY mobile app

Step 2: Tap at the Validator

When boarding a participating vehicle, locate the FILIPAY validator near the entrance. Hold your card, phone, or wearable within a few centimeters of the reader. You'll hear a confirmation beep and see a green light — payment processed in under 2 seconds.

Step 3: Automatic Fare Deduction

The system calculates the correct fare based on the route and deducts it instantly. No interaction with the driver needed, no fumbling for coins.

Supported Devices

Device	How It Works
FILIPAY Card	Tap the NFC card on the validator
Smartphone	Open FILIPAY app or use NFC tap-to-pay
Wearable	Tap compatible NFC wearable on validator

Security During Payment

Every contactless transaction is protected by bank-level encryption and real-time fraud detection. Blockchain technology maintains an immutable record of each fare payment.

Tips for First-Time Users

• Keep your card or phone charged — NFC requires power on mobile devices
• Check your balance before boarding during peak hours
• If a tap fails, wait 2 seconds and try again — do not double-tap rapidly
• View your trip history in the FILIPAY mobile app after each ride

Download the app and get started at filipay.online.