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American Express Pay As You Go Workflow {#mt-workflow-amex-payg}
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The American Express Pay As You Go (PAYG) is a delayed authorization using the Expresspay transit policy workflow. It begins when the rider taps a payment card at the fare collection terminal.

#### Figure: {#mt-workflow-amex-payg_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)

1. The cardholder taps the card to enter the transit system.
2. The gate validates the card using offline data authentication (ODA), the card expiration date, and the deny list.
3. When the card is valid, the gate allows the passenger to enter the transit system.
4. When the ODA fails, the card is added to the deny list, and the debt recovery process begins. See [Debt Recovery Workflows](/content/cybsdeveloper2021/amer/en/docs/cybs/en-us/urban-mobility/developer/ctv/rest/mass-transit/um-workflow-intro/um-workflow-followon/um-workflow-debt-recovery.md "").
5. You send an authorization request for a nominal amount. See [American Express Delayed Online Authorization with EMV Data](/content/cybsdeveloper2021/amer/en/docs/cybs/en-us/urban-mobility/developer/ctv/rest/mass-transit/um-processing-amex-auth-intro.md "").
6. When the authorization is successful, you calculate the fare for the travel period.
7. At the last tap of the day, submit a follow-on capture request for the day's aggregated fare amount. For authorization and capture options, see [American Express Authorization and Capture Options](/content/cybsdeveloper2021/amer/en/docs/cybs/en-us/urban-mobility/developer/ctv/rest/mass-transit/um-intro-overview/um-intro-models/mt-intro-models-amex/mt-intro-models-amex-payg-opts.md "").  
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