The term Mobility Payment Integration (MPI) refers to a wide variety of advances in fare collection. A transportation system with "full payment integration" would be one where users may combine multiple different modes of transportation—such as a rideshare trip, a bus trip, and an e-scooter rental—and pay for the entire journey at once, with a single transaction that is divided between the providers, which would include both public agencies and private transportation providers, behind the scenes. The Federal Transit Administration (FTA) defines MPI as a multimodal transportation system that has some combination of: a common payment media across participating services, mobile applications integrated with the mobility providers, common payment accounts, and the use of incentives or co-marketing to build ridership.
Such a system does not currently exist; however, many transit agencies are taking the initial steps towards this vision by upgrading from simple fares and paper tickets to contactless smart cards or bank cards, mobile applications, transit ticketing accounts, and multimodal trip planners.
The FTA performed a state-of-the practice assessment to determine the progress of MPI in the United States. The assessment found that 34 locations have adopted at least some form of Automated Fare Collection (AFC) for their transit systems; of these, a total of 18 locations had advanced to some form of MPI. All of the locations identified as using AFC to offer mobile tickets or reloadable smart cards to pay for fares; 15 of the 34 locations offered a mobile app to manage travel accounts.
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