Transit System Benefits {#um-intro-merchant}
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These are some mass transit systems benefits:

* Lower ticketing overhead that can reduce the need for ticket booths or paper tickets.
* Ability to track riders when they tap to enter and exit.
* Flexible fare management, including:
  * Riders pay as they go.
  * Fares are aggregated for one payment transaction each travel period.
* Merchant protection such as:
  * Encrypted payment data.
  * First Ride Risk support in some regions.
* Debt recovery support.