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American Express Pay As You Go Model {#mt-intro-models-amex-payg-aggr}
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The American Express Pay As You Go (PAYG) model is a delayed authorization using the Expresspay transit policy. These are the key characteristics of this model:

* Journeys are multimodal.
* Fares are based on distance.
* Points of entry are contactless.
* Accounts are verified with an authorization for a nominal amount or the maximum fare amount.
* The deny list is checked so that cardholders with previously declined transactions can be blocked.
* Data can be authenticated offline to confirm that the card is valid.
* Multiple card taps and fares can be aggregated into a single payment.
* The deny list is automatically updated every 20 minutes.
* The back office records all trips and fares in order to reconstruct journeys and calculate the final fare.
* When the nominal amount authorization is declined, debt recovery can be performed.
* Standard follow-on payment services can be used to capture, reverse, or void transactions.

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#### Figure: {#mt-intro-models-amex-payg-aggr_fig_fqh_y5d_j3c}

Pay As You Go Delayed Authorization Model  
![Workflow diagram showing the American Express Pay As You Go Aggregated
transaction model.](/content/dam/documentation/cybs/en-us/topics/payments-processing/card-processing/mass-transit/images/transit-amex-flow-800x600.svg/jcr:content/renditions/original)  
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