EMV payments in public transport in Lagos

We have enabled EMV contactless cards payments in publis transport buses in Lagos, Nigeria. In cooperatrion with our partners Mikroelektronika and Sterling Bank we have implemented first such solution on African continent.

I think that selecting MONET+ team was the best decision we could have made for the project. Some colleagues told me that if we had not had a team like MONET+, the implementation would have been fraught with difficulty.

Olugbenga Adams

Head of Digital & Transaction Banking Group, Sterling Bank

The client's requirements

Sterling Bank, based in Lagos, Nigeria, wished to boost the circulation of contactless bank cards and attract new clients.

The opportunity to do so presented itself when the public transport system in Lagos was modernized. The bank then decided to get involved and start operating new bus lines.

The city could well become one of the megacities of the future, and even now it is home to 15.5 m residents. Hence, provision of a high-quality public transport network was critical to any further development, and its modernization had huge business potential.

The main goal of the bank was to introduce new bus routes and eliminate issues associated with collecting bus fares. In fact, it was not uncommon for the resultant cash to be stolen and for ticket fraud to take place. The solution selected was to commence cashless payments via EMV payment cards issued by the bank.

The system that had been adopted in London (UK) provided a touchstone for the bank.

Sterling Bank sought experienced partners with the necessary know-how and expertise to bring a similar system to Lagos.

Having checked out potential suppliers, the bank went with MONET+ and asked us to implement a solution of contactless EMV cards that uniquely identified passengers, on which the fare was charged using our Check-in/check-out framework.

The solution delivered

The implementation phase of the entire project began in November 2017, while its official handover to the client took place four months later – in March 2018.

1,000 contactless payment terminals were supplied by us for installation in vehicles, each one equipped with the suite of terminal applications developed by MONET+. These selfsame applications today support contactless EMV card acceptance, and provide for handling transactions and their security.

As part of the project, we delivered multiple system components and modules from our shared Switchio infrastructure.

These included:

The POS management system – Terminal network administration and management.
Authorization switch – for transaction processing, terminal network key management and storing detailed information on any transactions performed;
Fare Comm – A module for ensuring communication between terminals and central systems;
Fare Risk management – Intended for processing transactions in offline mode;
Fare Collect – A module that aggregates payment transactions under the card number (PAN), which is then sent for clearing;
Fare Blacklist – A component that minimizes losses incurred through expired or blocked bank cards being utilized;
Fare inspection – A module that forms part of the equipment of inspectors; inspection devices read the bank cards and transform the PAN of the card into a token;
Fare web portal – A module providing detailed reports on the cards and terminals used.

A major component of the project included services pertaining to managing and supervising the solution, such as a 24/7 Help-desk for dealing with queries and issues.

The benefits delivered

For the bank:

An increase in the number of clients
More contactless bank cards issued
No need to invest in an authorization centre
A simple pricing model for the services of our Switchio infrastructure
Flexibility and the option to link with other entities
Easy extension in the future, perhaps into other business avenues, e.g. e-commerce, POS terminals in bricks-and-mortar shops, etc.

For the transport operator:

Faster cash flow throughout the entire system
Savings in many areas
Eliminates cash – no thefts, no cash fraud
Eliminates paper tickets
Cost savings in printing and distribution services
Rapid passenger check-in – within 1 second
No fare dodgers
The system does not require a permanent internet connection
Aggregation of transactions bring savings in transaction fees and discounted fares for passengers

The solution was created by the Cards and Transactions development team

headed by Aleš Popelka

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EMV payments in public transport in Lagos

The client's requirements

The solution delivered

The benefits delivered

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