Germany-based INIT integrates NMI’s advanced embedded payment technology into its transit ticketing system, prioritising convenience and security for passengers

NMI® a global leader in embedded payments, has partnered with INIT, a leading supplier of public transit ticketing solutions, to implement a cutting-edge payment processing solution for the San Diego Metropolitan Transit System (MTS). This collaboration showcases a new “Tap-on/Tap-off” model that enhances both convenience and security for daily commuters on MTS buses and trolleys. 

The new system has revolutionized how San Diego residents and visitors experience public transit. Passengers can now easily tap their credit or debit card, or use Apple Pay or Google Pay on their mobile devices, at the start and end of their journey, removing the need for traditional tickets or stored-value cards. The fare is automatically calculated to ensure passengers receive the lowest fare possible based on their travel.

With 94% of riders expecting public transit to offer contactless payment, transport operators across the U.S. are upgrading to open-loop ticketing systems, where a payment card or mobile device is used in place of a ticket, to streamline the payment process and provide a more seamless passenger experience. 

INIT used NMI’s straightforward API to embed the NMI Gateway into its transport ticketing solution to establish a secure and efficient ‘open loop’ system.  When a passenger ‘taps on’, the NMI Gateway processes initial authorization and card tokenization, as well as subsequent authorization and settlement at ‘tap-off.’ The NMI Gateway also handles deferred authorization for any transactions that fail or are declined. All card reader terminals involved in this process are installed and operated under NMI’s PCI-validated point-to-point encryption (P2PE) solution, enhancing both physical and transaction security and ensuring compliance with the Payment Card Industry Data Security Standard (PCI DSS). 

With this partnership passengers benefit from enhanced convenience and safety, as it allows them to pay using their preferred contactless methods while improving security and ease of use. MTS also benefits from advanced fraud prevention measures and protection against stolen card usage as the system is fully PCI DSS compliant.

Pete Alcock, Head of Marketing at NMI, said:
“Partnering with INIT and MTS to bring this innovative payment solution to San Diego’s transit system marks a significant step in enhancing transit experiences for passengers through payment innovation and technology. By embedding NMI’s card payment technology into INIT’s software, we are streamlining the ticketing and transaction processes for passengers and operators, as well as providing the highest level of security and fraud protection. Our technology not only offers ease of use and enhanced security but also showcases our commitment to advancing public transit systems globally.”

Andy Singh, Chief Operations Officer, East at INIT, said:
“Our collaboration with NMI is integral to delivering a system that not only meets the current demands of passengers but also highlights our commitment to advanced ticketing processes through cashless and contactless payments.”

The partnership between NMI and INIT underscores a shared vision for enhancing public transportation with modern, secure, and convenient payment solutions. As transit operators across the U.S. continue to adopt open-loop systems, this project serves as a model for others aiming to improve passenger experiences and operational efficiency.

About NMI

NMI is a global leader in embedded payments, powering more than $203 billion in payment volumes every year. From our industry-leading payment gateway technology to our seamless merchant underwriting, acquiring, onboarding and management platform, we enable our partners across the entire payments ecosystem. We help our partners deliver frictionless payment solutions to their customers, offering modularity, flexibility and choice, wherever and however consumers want to pay – online, in-store, in-app, mobile and unattended. And we’re constantly innovating, empowering ISOs, software vendors and payment professionals as they embrace the future of fintech.

Don’t just turn on payments, transform the way you do business

  • Generate New Revenue By adding or expanding payment offerings to your solution, you can start earning higher monthly and transaction-based recurring revenue.
  • Offer the Power of Choice Allow merchants to choose from 125+ shopping cart integrations and 200+ processor options to streamline their onboarding.
  • Seamless White Labeling Make the platform an extension of your brand by adding your logo, colors and customizing your URL.

Talk to Our Team

Invalid number

By submitting your information, you agree to NMI's Privacy Policy & Terms and Conditions

237,000+ Connected devices
300+ EMV device certifications
$200B+ Payments volume
2.3B+ Transactions
NMI and INIT Collaboration Enhances San Diego Transit System with Seamless 'Tap-on/Tap-off' Contactless Payments
News

NMI and INIT Collaboration Enhances San Diego Transit System with Seamless 'Tap-on/Tap-off' Contactless Payments

Germany-based INIT integrates NMI’s advanced embedded payment technology into its transit ticketing system, prioritising convenience and secur... Learn More
Embedded payments are revolutionizing the way consumers pay
News

Embedded payments are revolutionizing the way consumers pay

Traditionally, businesses would partner with financial institutions, such as banks, payment facilitators, or independent sales organizations, ... Learn More
Scaling back on self-checkout? 5 ways retailers can make it work
News

Scaling back on self-checkout? 5 ways retailers can make it work

In a post-COVID world, more retailers are turning to self-checkout. The can reduce checkout lines and waiting times, but may not be suitable f... Learn More
What will Walmart’s launch of BNPL through One mean for the industry?
News

What will Walmart’s launch of BNPL through One mean for the industry?

Walmart announced in April that it will be leveraging its majority-owned fintech One to offer BNPL options to its customers. This move is an a... Learn More
NMI Expands Its Global Operations With Opening of South Africa Office
News

NMI Expands Its Global Operations With Opening of South Africa Office

NMI increases its global capacity to deliver a premium partner experience and 24/7 support  SCHAUMBURG, IL – MAY 15, 2024 – NMI, a global lea... Learn More
NMI launches new mobile card reader ID Tech VP3350
News

NMI Launches New Mobile Card Reader to Enable Fast, Seamless Payments

NMI’s ISO and ISV partners gain access to an affordable, easily integrable point-of-sale device to better serve micro and field merchants  SC... Learn More
NMI executives receive ETA awards
News

NMI Executives Receive Industry Recognition from ETA

NMI’s Chief Product Officer, VP Business Development and VP UK & European Sales honored by Electronic Transactions Association SCHAUMBUR... Learn More
NMI Launches the Next-Generation of Embedded Payments Solutions
News

NMI Launches the Next-Generation of Embedded Payments Solutions

Modular embedded payments platform enables software platforms and ISOs to quickly and easily integrate and accept payments, manage relationshi... Learn More
NMI Strengthens its Executive Team with New Leaders Overseeing Talent, Culture and Technology
News

NMI Strengthens its Executive Team with New Leaders Overseeing Talent, Culture and Technology

Casey Jameson appointed as Chief Talent Officer and Phillip Goericke promoted to Chief Technology Officer SCHAUMBURG, IL – January 31, 2024 –... Learn More
NMI Named to Inc.’s Second Annual Power Partner Awards
News

NMI Named to Inc.’s Second Annual Power Partner Awards

Roundup highlights B2B partners that support startups across all business functions and empower growth SCHAUMBURG, IL – OCTOBER 24, 2023 – In... Learn More