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Discover Pay As You Go Model {#um-intro-models-discover-payg-aggr}
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These are the key characteristics of the Discover Pay As You Go (PAYG) transaction 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.
* `Token Management Service` (`TMS`) option for managing sensitive authentication data (SAD).
* 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.

#### Figure:

Discover Pay As You Go Model  
![Diagram of the Discover Pay As You Go Aggregated transaction model.](/content/dam/documentation/cybs/en-us/topics/payments-processing/card-processing/mass-transit/images/pay-as-you-go-model-discover-460x440.svg/jcr:content/renditions/original)  
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