Account-Based Ticketing Overtakes Closed-Loop Cards Nationwide
Transit authorities are moving from closed-loop smart card systems toward account-based ticketing platforms that let riders pay with any contactless bank card or mobile wallet, a shift that happened faster than most legacy vendors anticipated entering 2025. Contactless payment adoption now represents roughly forty-two percent of transit networks, up from a much smaller share only three years ago, as fare evasion reduction of fifteen to twenty-five percent justifies the transition cost. Vendors without a genuine account-based offering are increasingly excluded from transit authority procurement shortlists. Procurement teams increasingly name contactless compatibility as a mandatory qualification requirement.
Market Impact: ridership recovery nears 90% overall








