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Transit System Benefits {#um-intro-merchant}
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Mass transit systems will benefit in these ways:

* Lower ticketing overhead without ticket booths or paper tickets.
* Ability to track riders when they tap to enter and exit.
* Flexible fare management
  * Riders pay as they go.
  * Fares are aggregated for one payment transaction each travel period.
* Merchant protection.
  * Encrypted payment data.
  * First Ride Risk in supported regions.
* Debt Recovery.  
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