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Apple Pay Express Transit users hit with unintended charges at New York City turnstiles

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A small number of subway riders in New York City this week complained of a bug in Metro Transit Authority (MTA) tap-and-go turnstiles that inadvertently activates the Apple Pay Express Transit feature on user iPhones, resulting in double billing.

The MTA's One Metro New York, or OMNY, contactless fare readers are scanning rider iPhones even if the device is in a purse or pocket, reports the Gothamist. Those who experienced the error complain of charges on both a swiped MetroCard and through Apple Pay.

Express Transit enables iPhone and Apple Watch owners to conduct touchless terminal transactions without unlocking or waking their device.

Macartney Morris encountered the issue while passing through a reader at Grand Central on Tuesday. He entered the turnstile using a tap-to-pay MetroCard, which worked as advertised, only to find a standard fare also applied to Apple Pay.

"When I got to Queens I saw I had an Apple Pay notification that I was charged $2.75," Morris said. "My phone was in my jacket pocket, where I always keep it. I was really taken aback."

A number of customers shared similar stories on Twitter.

Morris and other notified the MTA of the apparent issue. Chief Revenue Officer Al Putre in a statement to the New York Post said "about 30 customers" had complained about unintended Apple Pay charges, adding that the public benefit corporation is working with Apple to fix the problem.

"The system is a popular success that's working well for the vast majority of people and we're in touch with Apple about addressing the issue of unintended taps," Putre said.

An Apple spokesperson told the publication Apple Pay Express Transit has not encountered issues in other cities. The feature is currently rolling out to select metropolitan areas after a U.S. debut in Portland last May.

"When a customer enters the greater New York transit area, they receive a notification that a payment card in Apple Wallet can be used for Express Transit. NYC residents are also informed about Apple Pay Express Transit when they add a payment card to Apple Wallet for the first time," Apple said in a statement. "Customers can easily turn off the feature in Settings on their iPhone at anytime and use Face ID or Touch ID to ride transit."

The MTA began rolling out Apple Pay Transit Express support to OMNY terminals last year. As of December, OMNY was live at 85 subway stations across NYC, all MTA-operated buses on Staten Island and two Staten Island Railway stations. Wide availability at all subway stations and MTA buses is planned for completion by the end of 2020.



23 Comments

jpellino 18 Years · 707 comments

I asked at Lowes the other night why they don't do Apple pay - they said they tried, then there were duplicate charges in their system and they stopped.

Given that it works in many places, it sounds like their implementation rather than an Apple issue.  

sflocal 16 Years · 6138 comments

This is an interesting dilemma.  If a person is carrying both NFC methods when walking through the gate, sounds like it's more a mistake of the rider than a technological issue.

I suppose the system could check if more than one payment has been made on the same gate within milliseconds of each other, then it should only charge one method?

hammeroftruth 16 Years · 1356 comments

sflocal said:
This is an interesting dilemma.  If a person is carrying both NFC methods when walking through the gate, sounds like it's more a mistake of the rider than a technological issue.
I suppose the system could check if more than one payment has been made on the same gate within milliseconds of each other, then it should only charge one method?

Sounds more like a configuration issue than a rider issue. The article said that users affected didn’t even have their iPhone out which is weird since the nfc payment system is supposed to use whatever you place on it and not scan your devices and just charge them all. 


Sounds like an “Office Space” hack that was discovered before anyone internally could siphon off the money made by double charging. 

kevin kee 10 Years · 1289 comments

The station has right idea, but it didn't go well. How many of you wish you could just walk pass the gate and it will charge and open automatically without have to take out the card/phone? Interesting futuristic concept, hope they fix it by cancelling second payment made within a very short time.

JFC_PA 7 Years · 947 comments

I was up in NYC for two weeks and in and out of the subway: I’ve got a discount Senior MetroCard so I can’t use ApplePay yet: I just checked, no extraneous charges BUT I did just turn off Express Transit as a precaution (it was on for my default ApplePay card and frankly I can’t remember turning that on but people might want to double check in case it’s either a default or a quick enrollment question it’s easy to day “yes” to). I carried my MetroCard in a pocket in my iPhone case (Vaja folio has one small card pocket which is convenient for transit cards) and would have my iPhone in my left hand as I swiped the card: or sometimes it was in a thigh pocket far below the level of the sensor. 

As the article mentions, with other cities not experiencing this is likely a sensor  sensitivity issue. Though based on my observation of how high a percentage of NYC riders are iPhone users it might also simply be the larger scale of use is catching a fringe issue. 

ETA: so my interpretation of this is it’s on by default once you’re detected entering the geofenced NYC metro area. The notification was probably buried and I missed it. 

“ When a customer enters the greater New York transit area, they receive a notification that a payment card in Apple Wallet can be used for Express Transit. NYC ”