Automated Fare Collection Products

AFPI offers automated fare collection services (AFCS) for operators of all kinds of public transport vehicles. We support multiple methods of fare collection – from contactless stored value card to cash payment for paper-based or single journey tickets and even QR codes.

The contactless stored value cards are interoperable across all beep™ fare collection terminals. This means passengers will only need one card for all modes of transport that accept the beep™ card, be it Metro Manila’s light rail system, a Point-to-Point (P2P) bus, a jeepney/PUV or a ferry in different parts of the country.


These are the AFCS Solutions developed by AFPI that customers and operators interact with and operate.  These are composed of devices used for ticket issuance and validation.


Ticket Vending Machines (TVM)

The transport operator can sell, load stored value cards and dispense single journey tickets at self-service ticket vending machines (TVMs). These machines are deployed to improve operational efficiency of the transport operator and reduce the need for passengers to transact with station cashiers or tellers.

Point-of-Sales (POS)

POS machines are provided to station cashiers and tellers for the loading or top-up of stored value cards. The POS is also used to issue activated stored value cards and single journey tickets.

Cash Ticketing

The bus cash ticketing system provides on-board ticket sales for cash payments. Under this set-up, the passenger drops their cash payment in a secure cash collection box designed to prevent unauthorized access to the cash collected. The driver prints and issues paper tickets and generates end-of-shift reports using the on-board printer in the driver terminal.

Drivers and dispatchers have cards that allow access to various functions on the driver terminal. Configuration parameters such as the route or the bus number can be changed by the dispatcher or done remotely from AFPI’s backend system. The solution tracks all cash payments by driver, bus, route, trip and time. The collection, counting and depositing of cash are supported by reports that are printed by the driver terminal whenever a cash collection box is removed or an empty box is installed on the bus. The reconciliation of cash payments is supported by reports that are generated by AFPI’s backend system.


  • Cash collection box
  • Driver terminal

Driver Terminal (DT)

This is a device operated by the driver of a jeepney or small PUV.  He uses it to log in at the start of day, issue tickets for cash payments, print reports and log off at the end of the day.

Ferry Solution

To help modernize commuter ferries across the archipelago, AFPI offers port-based validators and ticketing devices. For passengers with a beep™ card, they have the option to purchase transit pass products or use the load on their beep™ card to pay for their trip. The passenger taps their card on the validator before boarding the vessel, where the pass product is read or the full fare is deducted at the start of the journey, making disembarkation faster and more efficient. For passengers paying in cash, they can pay at a ticketing booth where a teller will issue a ticket using a ticketing device. For the operator, a detailed report on usage and pass issuance will be provided regularly for better planning and management.

QR Issuing and Ticketing

The QR Issuance terminal is used in selling the QR tickets. It supports fixed fare, multi-fare and discounted fare ticket types. This can be deployed at the 1) ticket booth for use by the tellers, 2) as unattended terminal for self-service use by commuters, and 3) for ticket issuance on-board the transport vehicle – such as bus, PUV or Jeepney, e-trikes and ferries.

These QR Tickets will soon be also available in dynamic code for purchase and issuance with Smartphone applications, as well as from online booking and reservation systems.

Ticket Validation

These are the AFCS Solutions developed by AFPI that customers and operators interact with and operate.  These are composed of devices used for ticket issuance and validation.

Automated Gates

The access gates of our fare collection system for mass transit allow at least 35 passengers per minute to enter or leave the paid area. The access gates automatically deduct the correct fare, apply discounts for concessionary cards or verify and retain single journey tickets.

Bus Validators

Bus operators typically allow passengers to board and disembark the bus at various sites along it’s route. AFPI’s validators for buses support distance-based fare calculation by deducting the maximum fare at the point of entry and refunding the unused amount at the point of exit (debit-credit). Operators may choose other methods of charging fare upon entry and/or exit.

The bus system can be combined with AFPI’s cash ticketing system to create a complete fare collection and ticketing solution. AFPI offers full fare collection services including ticket sales at the terminal or beep™ card payments on board the bus.

Distance Based Fare Calculation

Our equipment determines the position of the bus with Global Positioning System or GPS receivers and applies the correct fare using a distance or stop-based fare table or fare matrix. The system automatically applies preset discounts for concessionary cardholders.

Fixed Fare

For Point-to-Point (P2P) or fixed fare routes where passengers pay a single fixed fare, AFPI offers on-bus devices (bus validators) and devices that are installed at the bus stop (terminal validators). On all cases, the passenger taps their card only once to pay the full exact fare.

Passenger Terminal (PT)

The passenger terminal is used for beep card payments in jeepneys and small PUVs.  This can be configured to support either a fixed fare or distance-based fare calculation.

Parking Fee Payments

Car park management and providers are looking for ways to minimize queuing at exit during peak hours. The main cause of the build up is the time-consuming payment process at exit. AFPI offers solutions that will enable motorists to exit the parking establishment with just a tap. A reader is placed at the parking entrance to capture the time of entry and another reader at exit captures the time of departure, computes for the parking fee and automatically deducts it from the beep™ card presented. This process takes less than a second compared to cash payment which can take minutes. AFPI ensures that there are enough loading facilities within the car park to ensure that beep™ card holders will have every opportunity to top up their cards prior to leaving the car park.

Toll Road Payments

Pay fixed fee for an open system road toll payment solution


  • Settlement
  • Reporting

Electronic Ticketing Machine

This is a handheld terminal operated by the conductor to issue tickets,  process beep™ card payments and to inspect or validate tickets issued to passengers.  This device can support both fixed fare and distance-based fare calculation.


These are composed of reports and service support extended to transport operators to ensure they fully utilize the features of our AFCS solutions.

Settlement Services

AFPI operates a sophisticated, high-volume clearing and settlement system that processes all transactions on all beep™ cards and any acceptance or load device in the system. Settlement funds are deposited to the respective settlement accounts of our merchant partners on the next available working day after the transaction has taken place.

We also provide data to resolve potential disputes within 7 days. A variety of settlement reports help merchants, transport operators and other entities to reconcile their own transaction records with the AFPI settlement information. We provide reports that contain standard aggregated information as well as individual detailed transaction reports.

Customer Helpdesk

AFPI operates a 24/7 cardholder helpdesk. Customers may contact AFPI with any question about the beep™ card, a transaction or the balance on the card.

Product Development Support

We also offer support in the form of:

  • beep™ software development for a variety of terminals
  • Design and development consulting services for third-party development


To ensure the sustainability of the solutions we offer, we develop and support the payment ecosystem which consists of card issuing and loading.  Where beep is accepted, we also work on card supply and availability and accessibility of loading facilities.


beep™ loading Kiosk

AFPI offers self-serve kiosks where beep™ cardholders can load their cards on their own. These kiosks can be deployed in bus terminals. These are unmanned and available 24/7.

Mobile App-based Loading

Through the mobile application, beep™ cardholders can load and check the balance of their card by simply tapping their cards on their NFC-enabled Android phones. Loading can be done in real time, anywhere.

Handheld Loading Terminal

AFPI can also provide a small handheld terminal that can be used solely for loading beep™ cards. These devices have their own network connection and can be used to print acknowledgement receipts and other reports. These devices will require manpower to operate and accept cash payments.

E-Load Station

Over-The-Air (OTA) loading. With this option, cardholders can transfer load from a mobile wallet or debit account, among others, to their beep™ cards. The load is reflected when the card is updated
using a beep™ e-load station. Current partners are the following: EON by Unionbank, Akulaku, BPI, and JustPayTo.

Loading at Select ATMs

The service will initially be available in 100 select China Bank ATMs strategically located near train stations & P2P bus terminals. ATMs with beep™ loading capability will be marked by a beep™ sticker and a beep™ card reader housed inside it. China Bank cardholders can reload a minimum of P100 up to P10,000 in multiples of 100, the amount of which will be debited from their account and instantly stored in their beep™ cards.

TouchPay Payment Terminals

beep™ loading is also available in select units of TouchPay Payment Terminal. These payment terminals offer convenience in loading incorporating speed, safety, and security, 24 hours a day, 7 days a week.

Card Issuing

Stored Value Cards

First issued in 2015 when beep™ was launched in the 3 light rail lines, this card offers the following features:

  • No KYC (Know Your Customer) required. Can be used immediately after loading money on the card. No forms to fill out, no need to wait for approvals.
  • The card is valid for 4 years.
  • No minimum load with a maximum load of P10,000.

Can be used for:

  • Payment for transport fare
  • Payment for goods and services
  • Storage of Transit Products (e.g. a weekly transit pass, season pass)

Storage of:

  • Personal information (if registered)
  • Loyalty points
  • Transaction history
  • Vouchers


Single Journey Tickets

Reusable tickets that are valid for a single trip and can be used exclusively in the automatic gates of each of the 3 light rail operation. These cards are surrendered upon exit.


beep™ Transit Pass

These cards can be used to:

  • Provide discounts for a defined period of time (daily, weekly, monthly)
  • Provide free rides for a period of time (free rides every Sunday, holidays etc.)
  • Provide a pre-defined number of free trips (one free ride for every 5 rides, etc.)

beep™ Concessionary Cards


  • Senior Citizen Card
  • Student Card
  • Persons with Disability (PWD) Card

Services Offered for Concessionary Cards:

  • Distribution through train and bus operators.
  • Ensure cards are issued to eligible persons only and avoiding the issuance of duplicate cards (for PWD and Senior Citizens only).
  • Fare Collection reader recognizes concessionary cards and will apply the corresponding discount.

We offer advertisers the opportunity to use the concessionary cards as mediums of communication to the select segments who are eligible to use these cards.

beep™ Co-Branded Advertising Cards

Works the same way as any beep™ card but is branded with the partner’s logo or campaign elements. With its 4-year validity, this card will be in the consumer’s wallet for 4 years guaranteeing the advertiser extended brand exposure.

We can provide the following services for co-branded Advertising Cards:

  • Management of card design and card manufacturing process
  • Card creation and initialization
  • Card distribution

beep™ Co-Branded Multi-function Cards

Has a standard beep™ card functionality in addition to other functions (such as credit, debit or pre-paid card).

We can provide the following services for Co-Branded Multi-Function Cards:

  • Can be made available in dual interface (one-chip) or hybrid card (two-chip) versions
  • Initialization of the beep™ chip


beep™ Co-Branded Multi-function Cards

AFPI has accredited a number of card vendors that are certified to manufacture and initialize beep™ cards. Issuing partners can order cards with beep™ functionality from these manufacturers directly.

FAQs - Transport Solutions

  • What will happen to our conductors? Will they be laid off from their jobs if we subscribe to your solution/system?
    • Some of the conductors’ tasks and responsibilities can be repurposed;
    • AFPI can help assess if conductors are necessary in the routes they are serving. Some operators are quick to remove the conductors but AFPI would know better (based on previous deployments and experience with other operators)
  • How much will your solution cost?

    Allow us to study your route and understand your operations first before we can come up with a customized proposal with corresponding costs based on your requirements and operational considerations.

  • What happens when the device stops functioning while the vehicle is in transit?
    • The drivers will be given adequate training, including basic device troubleshooting and issue escalation procedures so they will know what to do when the device is not functioning
    • If the basic troubleshooting does not resolve the issue, the driver will be instructed to make a service call and report the incident for investigation. In addition, spare devices will be issued/endorsed to the operator (approximately 10% of total devices deployed), which can be used to replace the defective units so that operations will not be hampered.
  • What type of training will you provide our staff? Is it free of charge?

    Training sessions are regularly given to key personnel that use the system – these include the front-liners (drivers, conductors, tellers, inspectors) and back-end personnel/staff (Accounting, Finance, Operations).

  • What is your unique advantage over your competitors?
    • AFPI is the only company that has extensive experience in doing ticketing and automated fare collection, as evidenced by our work in the rail lines. No other company has successfully implemented such a system in the country to date.
    • Interoperability – the ability to use the beep™ card with other modes of transportation (LRT, P2P Buses, modern PUVs, ferries) nationwide
    • Our beep™ card base continues to grow – we have issued more than 6.5 million cards to date and growing, as we sign up with new partners and stakeholders
  • Should we be concerned that BIR should start using the reports your system generates as a way to chase us for additional tax payments?

    Our devices are not Point-of-Sale (POS) machines, thus they do not issue Official Receipts (OR) and does not require us to disclose any information generated by the system to the BIR. As a ticketing system, our devices are registered with the BIR as a Special Purpose Machine (SPM). We also have a Non-Disclosure Agreement (NDA) with the Operator, which prevents us from disclosing any information to external parties without the expressed permission of our partner.

  • How will this interoperability benefit my company?

    The value of interoperability is best realized when different parties do different activities within the ecosystem. In simplistic terms, if you are a user of beep™ AFCS system, you do not need to take on the responsibility of loading and selling of cards, as other participants in that interoperable ecosystem will take on that responsibility.

  • Is it possible to implement 100% beep in our fleet?

    No. There will always be cash transactions no matter how sophisticated the system. Our devices can facilitate cash transactions as well. If you look at examples from around the world, there will always be a portion of consumers that will opt to use cash that any form of electronic payment. That is why the system we introduce should always accommodate multiple forms of payments, which includes cash.

  • Can your solution work outside Metro Manila?
    • Yes. We have started implementing our solutions in several points nationwide – in jeepneys, buses and ferry terminals.
    • We are actively supporting the government’s initiatives such as the PUV Modernization program, the bidding for P2P routes, among other noteworthy projects.
  • Are you accredited with the DOTr or LTFRB?

    We offer the first and only nationwide interoperable AFCS that is fully compliant with DOTr’s Transpo standards and specifications. The same standards used in the Rail AFCS is what we use in other modes of transportation, so passengers can use the same beep™ card when traveling without having to carry another fare card.

FAQs - Ecosystem

    RETAIL ACQUIRING – Stand Alone Retail Acquiring (SARA) Solution

    It’s a plug and play device we use to facilitate/accept payments using beep
    (cashless transaction) with the following features:

    1. No integration to a Point-of-Sales (POS) required from the end of the merchant
    2. Flexible deployment options (counter top or handheld)
    3. Can be integrated to a Bluetooth printer
    4. Merchant will receive daily and monthly settlement reports
  • Do we need to connect the Stand Alone Retail Acquiring (SARA) solution to our Point of Sale (POS)?

    No. You only need to connect the SARA device to a power source to activate the device (“plug and play”). The cashiers/ front liners only need to enter the amount being purchased and ask the customer to tap his/her beep™ card on the same device to facilitate the beep™ transaction. The device comes with its own printer (optional) which also needs to connect to a power source. There is no need to integrate the functionalities of the SARA device to the existing POS.

  • What happens when the device stops functioning while the vehicle is in use?

    The cashiers/front liners will be given adequate training, including basic device troubleshooting and issue escalation procedures so they will know what to do when the device is not functioning.

    If the basic troubleshooting does not resolve the issue, the store personnel will be instructed to make a service call and report the incident for investigation. Spare devices will be issued/ endorsed to the operator (approximately 10% of total devices deployed, but subject to their final commercial terms and conditions), which can be used to replace the defective units so that operations will not be hampered.

  • What type of training will you provide our staff? Is it free of charge?

    Training sessions are regularly given to key personnel that use the system. These include the front liners (drivers, conductors, tellers, inspectors) and back-end personnel/staff (Accounting, Finance, Operations).

  • Does your solution provide reports? If yes, what type of report(s) is/are available for use?

    Yes. Our system generates transaction reports that will allow for settlement and reconciliation, and the information contained therein can be used for other purposes such as sales tracking, trends analysis, and operational improvements.

  • When does settlement of beep™ transactions occur?

    Settlement is done using the “t+1” principle, i.e., transactions that transpire today (prior to the cut-off time) will be settled tomorrow (provided the next day is a working day) and is based on mutually agreed business rules.

  • Are there bank fees involved in the settlement of beep™ transactions?

    If you have a BPI account, then there are no bank charges for settlement transactions. Otherwise, you can negotiate with your bank to waive the fees (if any) for bank-to-bank transfers.

  • Is there a hotline we can call for technical and other inquiries?

    We have a Merchant Service Desk (MSD) to answer all your inquiries, including incident reporting, device troubleshooting and other concerns that is open every day from 5AM to 11PM.

  • Where can customers load their beep™ cards?

    Aside from the ticket vending machines (TVMs) or teller booths at train stations (LRT 1, LRT 2 and MRT 3), cards can be loaded through convenience stores (FamilyMart, Mini Stop), Bills Payment outlets (e.g., Bayad Center, SM Bills Payment, Robinsons Business Centers, Villarica and Tambunting Pawnshops), selected Chinabank ATMs, mobile apps like and Over-the-Air (OTA) Loading via EON by Unionbank,, Akulaku and BPI. There are also self-service beep™ loading kiosks located in transport hubs and other strategic