NYC Express Transit, Apple Pay, and accidental charges [Updated]

OMNY readers at turnstiles
OMNY readers at turnstiles (Image credit: OMNY)

What you need to know

  • Some Express Transit uses in NYC are claiming accidental charges on their Apple Pay
  • These charges don't seem to have been reported in other Express Pay cities
  • The issue has affected about 30 out of several millions of users

New York City recently rolled out its OMNY contactless payment system to selection subway stations around the city. It is a huge push by the MTA to start accepting contactless payments, supporting users to be pay to transact for their rides with Apple Pay, Google Pay, Samsung Pay, and others.

As first reported by the New York Post, about 30 customers out of the several million using the system, have claimed that when they are using a metro card or some other form of payment at one of the OMNY turnstiles, they are seeing that they are also being charged through Apple Pay.

Others have reported that they are seeing charges come through when they even happen to walk too close to one of the OMNY systems. Straphanger Macartney Morris, one user of Express Transit, was puzzled as to why he started to have the issue, saying that he had been using the feature for a while without issue.

"I've had Transit Express enabled for a year and a half since I went to Vancouver, Canada. It's never caused this problem until yesterday."

Similarly, there don't seem to have been any similar reports from other Express Pay cities like Tokyo, Shanghai, Beijing, or Portland.

Express Transit is a feature built into Apple Pay that allows people to use their iPhone or Apple Watch to detect and pay for transit without having to authenticate the purchase with Face ID, Touch ID, or their passcode.

It's a very convenient feature to have if you regularly commute by subway and want a quick and easy way to pay and keep moving. In high volume cities, it's almost a necessity, like rapid pay systems on toll roads.

According to the MTA's Chief Revenue Officer, Al Putre:

About 30 customers" had complained about "unintended charges when the Express Transit feature of their iPhones is activated ... 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.

Apple provided the following statement to both the New York Post and iMore, though the Post seems to have only reported part of it. Here's the full text:

With Apple Pay Express Transit, customers in NYC can ride select subway lines and buses by simply holding their iPhone and Apple Watch near an OMNY reader. Millions of customers in cities including Shanghai, Tokyo, London and Portland enjoy the convenience of Apple Pay Express Transit every day. 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. 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 exact cause of the issue remains unknown. If it was just Express Pay, we'd expect to see the same issue to affect more people in more cities. Best guess, it's some combination of new technology, new implementation, and new behaviors.

Regardless, here's hoping the kinks get worked out and fast.

Updated to clarify the issue and include Apple's full statement on the matter.

Joe Wituschek

Joe Wituschek is a Contributor at iMore. With over ten years in the technology industry, one of them being at Apple, Joe now covers the company for the website. In addition to covering breaking news, Joe also writes editorials and reviews for a range of products. He fell in love with Apple products when he got an iPod nano for Christmas almost twenty years ago. Despite being considered a "heavy" user, he has always preferred the consumer-focused products like the MacBook Air, iPad mini, and iPhone 13 mini. He will fight to the death to keep a mini iPhone in the lineup. In his free time, Joe enjoys video games, movies, photography, running, and basically everything outdoors.