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Visa Mobility and Transport Transaction Model {#um-intro-models-visa-mtt}
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These are the key characteristics of the Visa Mobility and Transport Transaction (MTT) model:

* Journeys are multimodal.
* Fares are based on distance.
* Points of entry are contactless.
* Accounts are verified with an account verification request (AVR) 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 the card is valid.
* `Token Management Service` (`TMS`) option for managing sensitive authentication data (SAD).
* Multiple card taps can be aggregated into a single payment.
* The back office manages the deny list and distributes them to terminals.
* The back office records all trips and fares to perform journey reconstruction to calculate the final fare.
* Standard follow-on payment services can be used to capture, reverse, or void transactions.
* First ride risk protection when the first authorization fails.
* When the AVR authorization is declined, debt recovery can be performed

#### Figure: {#um-intro-models-visa-mtt_fig_rxt_312_j3c}

Visa Mobility and Transport Transaction Model  
![Diagram of the Visa Mobility and Transport Transaction Model](/content/dam/documentation/cybs/en-us/topics/payments-processing/card-processing/mass-transit/images/mobility-and-transport-transaction-model-450x450.svg/jcr:content/renditions/original)  
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* [Visa Mobility and Transport Transaction Workflow](/content/cybsdeveloper2021/amer/en/docs/cybs/en-us/urban-mobility/developer/ctv/rest/mass-transit/um-workflow-intro/um-workflow-visa-mtt)