Editing Transport for London (section)

===Contactless payments===
{{main|CPAY}}
{{see also|Project Oval}}
In addition to Oyster card, TfL also operates a [[contactless payment]] system in London and surrounding areas, which is codenamed '''CPAY'''.<ref>CPAY Agreement, Transport for London</ref>

Almost all contactless Visa, Maestro, MasterCard and American Express debit and credit cards issued in the UK, and also most international cards supporting contactless payment, are accepted for travel on London Underground, London Overground, Docklands Light Railway, most National Rail, London Tramlink and Bus services. This works in the same way for the passenger as an [[Oyster card]], including the use of capping and reduced fares compared to paper tickets. The widespread use of contactless payment - around 25 million journeys each week<ref>{{Cite web |url = https://www.standard.co.uk/tech/contactless-payments-tube-rail-tfl-cashless-society-a3821681.html |title = Contactless payments are taking over the tube network |date = 24 April 2018 |website = Evening Standard |language = en-gb |access-date = 20 February 2020 |archive-date = 20 February 2020 |archive-url = https://web.archive.org/web/20200220220347/https://www.standard.co.uk/tech/contactless-payments-tube-rail-tfl-cashless-society-a3821681.html |url-status = live}}</ref><ref name=":0">{{Cite web |url = https://www.cityam.com/tfl-to-give-tube-apple-pay-upgrade/ |title = Apple Pay upgrade to make TfL contactless payments easier |date = 2 December 2019 |website = CityAM |language = en-GB |access-date = 20 February 2020 |archive-date = 20 February 2020 |archive-url = https://web.archive.org/web/20200220220344/https://www.cityam.com/tfl-to-give-tube-apple-pay-upgrade/ |url-status = live}}</ref> - has meant that TfL is now one of Europe's largest contactless merchants, with one in 10 contactless transactions in the UK taking place on the TfL network.<ref name=":1">{{Cite web |date = 13 July 2016 |title = Licencing London's contactless ticketing system |url = https://tfl.gov.uk/info-for/media/press-releases/2016/july/licencing-london-s-contactless-ticketing-system |url-status = dead |archive-url = https://web.archive.org/web/20171201032915/https://tfl.gov.uk/info-for/media/press-releases/2016/july/licencing-london-s-contactless-ticketing-system |archive-date = 1 December 2017 |access-date = 20 November 2017 |website = Transport for London |language = en-gb}}</ref><ref>{{cite web |title = Contactless and mobile pay as you go |url = https://tfl.gov.uk/fares/how-to-pay-and-where-to-buy-tickets-and-oyster/pay-as-you-go/contactless-and-mobile-pay-as-you-go |website = Transport for London |access-date = 25 October 2019 |archive-date = 10 October 2019 |archive-url = https://web.archive.org/web/20191010142202/https://tfl.gov.uk/fares/how-to-pay-and-where-to-buy-tickets-and-oyster/pay-as-you-go/contactless-and-mobile-pay-as-you-go |url-status = live }}</ref>

Mobile payments - such as [[Apple Pay]], [[Google Wallet|Google Pay]] and [[Samsung Pay]] - are also accepted in the same way as contactless payment cards. The fares are the same as those charged on a debit or credit card, including the same daily capping.<ref>{{Cite web |url = https://www.tfl.gov.uk/fares/how-to-pay-and-where-to-buy-tickets-and-oyster/pay-as-you-go/contactless-and-mobile-pay-as-you-go |title = Contactless and mobile pay as you go |website = Transport for London |language = en-gb |access-date = 20 February 2020 |archive-date = 20 February 2020 |archive-url = https://web.archive.org/web/20200220220349/https://tfl.gov.uk/fares/how-to-pay-and-where-to-buy-tickets-and-oyster/pay-as-you-go/contactless-and-mobile-pay-as-you-go |url-status = live}}</ref> During 2020, one in five journeys were made using mobile devices instead of using contactless bank cards,<ref name=":0" /> and TfL had become the most popular Apple Pay merchant in the UK.<ref>{{cite news |last1 = Mortimer |first1 = Natalie |title = TfL proves most popular retailer on Apple Pay UK following launch |url = http://www.thedrum.com/news/2015/07/20/tfl-proves-most-popular-retailer-apple-pay-uk-following-launch |access-date = 22 July 2015 |publisher = The Drum |date = 20 July 2015 |archive-date = 22 July 2015 |archive-url = https://web.archive.org/web/20150722202022/http://www.thedrum.com/news/2015/07/20/tfl-proves-most-popular-retailer-apple-pay-uk-following-launch |url-status = live}}</ref><ref>{{cite news |last1 = Titcomb |first1 = James |title = How London's transport crunch forged a contactless revolution |url = https://www.telegraph.co.uk/technology/11747819/How-Londons-transport-crunch-forged-a-contactless-revolution.html |access-date = 22 July 2015 |work = The Telegraph |date = 20 July 2015 |archive-date = 22 July 2015 |archive-url = https://web.archive.org/web/20150722195642/http://www.telegraph.co.uk/technology/11747819/How-Londons-transport-crunch-forged-a-contactless-revolution.html |url-status = live}}</ref><ref>{{cite news |last1 = Gibbs |first1 = Samuel |title = TfL cautions users over pitfalls of Apple Pay |url = https://www.theguardian.com/technology/2015/jul/16/tfl-cautions-pitfalls-apple-pay |access-date = 22 July 2015 |work = The Guardian |date = 16 July 2015 |archive-date = 22 July 2015|archive-url = https://web.archive.org/web/20150722184555/http://www.theguardian.com/technology/2015/jul/16/tfl-cautions-pitfalls-apple-pay |url-status = live}}</ref>

TfL's expertise in contactless payments has led other cities such as [[OMNY|New York]], [[Opal card|Sydney]], [[Go card|Brisbane]] and [[CharlieCard|Boston]] to license the technology from TfL and [[Cubic Transportation Systems|Cubic]].<ref name=":1" /><ref>{{Cite web |url = https://www.cubic.com/news-events/news/tfl-and-cubic-agree-licence-use-londons-contactless-ticketing-system-worldwide |title = Deal worth up to £15m is a first for TfL and allows other cities around the world to benefit from London's contactless ticketing technology |website = cubic.com |access-date = 20 February 2020 |archive-date = 20 February 2020 |archive-url = https://web.archive.org/web/20200220220347/https://www.cubic.com/news-events/news/tfl-and-cubic-agree-licence-use-londons-contactless-ticketing-system-worldwide |url-status = live}}</ref>