PayCraft is a payment solutions provider that works with banks, transit operators, and other clients to design, develop, test, deploy, and support payment products. It has experience implementing both closed-loop and open-loop transit payment systems using technologies like contactless cards. PayCraft aims to provide sustainable and affordable solutions while avoiding vendor lock-in through the use of open standards.

1. Transit – Technology Play
PayCraft Solutions
Pvt. Ltd.
Whenever | Wherever | However

2. Who are we ?
PayCraft – Introduction
PayCraft is a cards and payments consultancy and solution
provider. We are the preferred partners for payment solutions to
global/domestic payment schemes, banks, transit operators,
government agencies, toll operators, sports authorities, payment
gateways, payment processors, card associations, payment
instrument manufacturers, telecom and many others.
PayCraft has proven expertise to traverse the full product life cycle
path. The path covers design, development, testing, certification
and deployment. We provide an end to end customer support for
developing business models and technical solutions for our
esteemed clients. We have extensively worked with metro
operators, bus operators, toll agencies and financial institutions in
India.
What we stand
for ?
At PayCraft, we’re
committed to helping our
people, our clients and our
wider communities
achieve their potential.
It’s how we make a
difference.
Promoters:
Group of professionals with 50+ man-years
of experience in the Consulting &
ITES industry.
Locations:
Sales Office: Mumbai
Development and support center: Pune
Why Paycraft ?
Solution based consulting
with software and process
optimisation
Trusted and proven
Global Partner in
payments
Sustainable and
affordable after sales
support
Leading Banks,
Multinationals, Consulting
Companies as clients

3. Technology – Impacting daily life
«Paying for public
transport should be as
easy as buying a sandwich
«
Shashi Verma, Tfl
3

4. Two major transit models
CLOSED LOOP OPEN LOOP
4
Security
Usage Areas
Top Up
Interoperability
Cost of Ownership
Value Added Service
Provided by old methods Advanced security with EMV based new technologies
Only transit Transit, Toll Collection, Loyalty, Campus, Vending Machines
Usage of Mifare POS terminals,
Ticketing Machines
Usage of Bank POS, ATM, IVR, Mobile Phones and Ticketing
Machines.
No
Nationwide and international usage thanks to EMV based
open standards.
System is invested only by Transit
Company
Reduced cost due to multi party involvement.
Very limited
Extensively usage of payment, loyalty, couponing, ticketing
applications.

5. Closed loop - Challenges
Immediate term
01 02
Constraints due to CCH closed Vendor lock-in for technology interfaces of AFC loop solution providers
► High costs incurred due to usage of CCH given by closed
► No scalability to multiple applications (outside transit)
because of using proprietary solutions
► Limited choice of products - transit specific CCHS
► High costs of ownership
5
► External interfaces with 3rd party smart card host
► Interfaces of AFC with CCHS
► Card and terminal interfaces
► SAM interface specifications
► Current terminal specs have limited card-type reading
capability
► Vendor specific card data definitions
► Risk of other transit operators forced to go with the
same vendor because of lock-in
► Interoperability of standards being replaced with
mandating the use of same vendor’s solution
loop solution providers
► Deterrence in revenue
opportunities for allowing
business partners such as FIs and
retail business owners
► Cannot adopt open-loop EMV payments for easy
acceptance outside transit
► Cannot allow multiple financial agencies to promote
card with revenue-accrual outside transit
Limitations to promote transit card as multi-purpose
card
Limited options for transit operators to adopt
Other transit operator’s card
Challenges
03 04
Long term

6. 6
► External interfaces
► Usage data
definition
► Configuration data
definition
► SAM interface
specifications
Smart card host & CCHS
CARD ► Card data
definitions
Configuration
data
Black
list
Level 1
Level 0
DEVICES
SAM
Card
Read/Write
► Device-card
interface
specifications
POS
AFC System
Configuration
data
Usage data ► Security specifications
Level 2
Crypto
keys
Usage
data
► AFC system – SC Host
interface specifications
Vendor Lock-in issues
@
1. External interfaces with 3rd
party SCH
2. Interface between the AFC
system and the CCHS
3. Interface specifications
between the card and
acceptance terminals
4. Vendor specific SAM
interface specifications
5. Vendor specific card data
definitions
Challenges at all levels

7. Open loop – Options available
 UTIITSL
 Incomplete specifications
 No support for specifications and implementation
 Complex organizational structure
 OSPT – Open Specifications for Public Transport
 Internationally open standards and specifications
 Non EMV based specifications supporting multi modal transportation
 EMV (Europay, MasterCard, Visa)
 Open standards for payment cards
 Highly secured, interoperable and scalable
 Could be used for transit, loyalty or any other businesses
 NPCI transit specifications
 Open specifications for transit based on EMV
7

8. Card Architectures – EMV with Legacy Systems
Mifare(Desfire,
Classic) Transit
Emulator
Transit Prepaid
Account
MasterCard
PayPass, VISA
payWave
Application
This architecture keeps supporting existing Mifare standards for old terminals
and EMV standard for new ones

9. Card Architectures – Prepaid with Shared Account
Custom Transit
Application
Shared Balance
• Prepaid account is managed in the card
• Custom transit application keeps transit(monthly pass, discounts, etc) and
cardholder related data to help calculating fare amount
• Shared balance for all transit, retail and other transactions
• Allows offline risk management and offline transactions
• Ideal for full EMV migrated markets
EMV
Application(PayPas
s, payWave, ...)

10. NFC in Transit
 Transit application on Secure Element (SIM, Embedded
or Micro SD)
 Transit Application on Wallet
 Integration with Cardtek / 3rd party TSM Systems
 Top Up process through NFC Phones
 Access to Timetable and Tariff information through
mobile phones
 Access to Transaction History through mobile phones
 Buying ticket through mobile phones or payment
terminals
 Additional campaign and loyalty information on NFC
phones
Download timetable
Buying ticket, top up and tariff information
Access control
Advertisements
Loyalty and Rewards

11. Card Architectures – Prepaid with Shared Account
11

12. Contactless Transit – Form Factors
12
The Mini Card
The Key Fob
The MC² Card The Watch
The Mobile Sticker NFC and Mobile Devices

13. Turkey Football Fedaration and Transit
Cafe
Stadyum
• The solution is implemented in
• 31 stadium
• 1100 turnstile
• 3.5 million cards targeted
• EMV credit, debit,
prepaid
• MifareDesfire
• Transit integration with
local cities
• Use of the card in coffee
shops as MasterCard/Visa
prepaid card

14. BAKU TRANSIT / Bank of Azerbaijan
 Debit Prepaid, Credit and No Name Prepaid cards
 Top – Up (via POS & Kiosk terminals, from customer account)
 1st phase : 550 validators in total, 2nd phase : 2200 validators in total
• Use cases;
 Payment card
 Debit card
 Transportation (Buses, Metro)

15. AKTİFBANK CASE STUDY
AWARDS :
Best Non-U.S.-Based Prepaid
Program category
Best Third-Party Prepaid
Product Retailer category.
Use Cases
• Shopping in restorants, retails, cinemas, football stadiums
• Transportation (buses, metro)
• Campus, Student Card
• Parking
• Water, Electric, Gas Meters
Loyalty
• Get points, coupons after each transaction
Prepaid
• Top Up Management

16. BANK ASYA CASE STUDY
Bank Asya’s City Card Concept
• Complete city card solution by using the contactless
EMV technologies ie Visa Paywave & MC Paypass and
Mifare.
• Complete SmartSoft City Card, Transportation and
Ticketing Solution
Use Cases
 transportation,
 car parks,
 toll-payments,
 vending machines,
 stadiums,
 movie theathers,
 as campus card/student identification card,
 as library card,