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American Express Mass Transit Model {#mt-intro-models-amex}
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The American Express mass transit transaction model that is American Express PAYG with delayed authorization using Expresspay transit policy. See [American Express Pay As You Go](/content/cybsdeveloper2021/amer/en/docs/vas/en-us/urban-mobility/developer/ctv/rest/mass-transit/um-intro-overview/um-intro-models/mt-intro-models-amex/mt-intro-models-amex-payg-aggr.md "").

|                    Characteristic                     | PAYG with Delayed Authorizations |
|-------------------------------------------------------|----------------------------------|
| Dedicated transit merchant category code (MCC) values | M                                |
| Population of transit access terminal indicator       | M                                |
| Decline expired cards                                 | M                                |
| Decline expired cards                                 | M                                |
| Deny list capability                                  | M                                |
| Transaction aggregation                               | O                                |
| Account status check                                  | M                                |
| Enhanced risk mitigation                              | O                                |
| Application transaction counter (ATC) synchronization | O                                |
| PAN translation                                       | O                                |
[Characteristics of the American Express PAYG Model]

