OMNY card completes the EMV only OMNY system (updated for Apple Pay OMNY)

After a long gestation, and a COVID related delay, the good old swipe MetroCard replacement has finally shipped. OMNY card: a ‘truth in the cloud’ EMV bank payment card, not a MIFARE or FeliCa ‘truth in the card ‘ smartcard like London Oyster or Tokyo Suica. As MetroCard missed the transit smartcard revolution of the early 2000’s, MTA and ticketing system management company Cubic Transportation Systems decided to go all in with a new system built on EMV and open loop, i.e. using ‘open payment‘ EMV contactless credit/debit cards for transit fare foundation instead of dedicated transit cards. It’s a ‘one size fits all’ approach where bank payments cards are promoted for every kind of purchase. The coming addition of fare capping, i.e. OMNY card features without OMNY card, further reduces the need for OMNY card commuter passes and encourages credit/debit card use.

The piecemeal OMNY rollout has not been an easy transition for MetroCard users. One problem with one size fits all open loop is that different people have different needs: minors, seniors, disabled, daily commuters with set routes, people without credit cards and so on. Even with fare capping open loop cannot handle these well, if it did TfL would have killed Oyster card long ago. Hence OMNY card is a closed loop OMNY branded EMV card with CVV security number, likely from a Mastercard issuing agency, similar to the Mastercard closed loop Ventra and Opal digital cards. Like Ventra card, OMNY card comes in plastic and the digital version will come to Apple Pay and Google Pay ‘soon’, although MTA has not given any launch window for OMNY iOS and Android apps that will be necessary for adding OMNY to Wallet and for recharge.

As most of the open loop systems in North America, UK and Australia are designed and managed by Cubic it’s helpful to compare their ticketing system profiles.

When you carefully analyze the different systems and Express Mode transit support listed on the Where you can ride transit using Apple Pay support page, one condition becomes clear: current transit systems do not support Apple Pay Transit cards and EMV Express Transit when the system uses both MIFARE and EMV open loop. It’s a choice between supporting one or the other, not both. I suspect Apple does this because of the complexity supporting MIFARE and EMV mixed mode operations on the same transit system.

OMNY is a new system however, built completely on EMV and EMV only. When Apple Pay OMNY launches, OMNY will be the first system to support both EMV as an Apple Pay transit card and EMV Express Transit mode for credit/debit cards. There is a catch however similar to using Apple Pay China T-Union cards: turning on one card for Express Transit turns off other cards. This happens when cards share the same NFC ID number which would result in card clash at the gate reader. When cards share the same ID, only one card can be set for Express Transit mode at any one time. For EMV cards this applies to payment cards as well so Express Transit Card settings will likely turn off any activated payment cards when an OMNY card to turned on, and vice versa.

After OMNY card is launched on Apple Pay and Google Pay, the next OMNY challenge will be integrating Metro-North and LIRR commuter rail ticketing. A difficult task as none of the train line are equipped with NFC card readers. MTA has yet to unveil any commuter rail ticketing integration details. Ventra has the same problem, commuter rail ticketing remains the age old conductor visual inspection, no tap and go contactless for you. And as ever there are thorny open loop user data privacy issues.

OMNY truly represents the state American public transit as it tries to get on board with mobile payments. Progress is good and welcome but a real next generation vision with meaningful forward development of American public transit will continue to be a confused mess despite endless broken promises to fix it…simply because people with money and means don’t use it. If they did, things would have been fixed long ago.

Dear Jane, we fucked up, sincerely MTA

The piecemeal MTA OMNY rollout is a lesson how not to do a transition from old system to new system. A case where poor design, poor management choices and unanticipated user interaction, each insignificant in isolation, snowball into a nagging long term problem.

The problem goes like this:

(1) Apple Pay Express Transit is opted in by default and iPhone users don’t always know it’s on. They don’t care about using Apple Pay credit cards on OMNY anyway because fare options are limited and OMNY isn’t installed everywhere and won’t be until at least the end of next year. They use good old MetroCard and put iPhone away in the right pocket or purse carried on the right shoulder.

(2) When the user gets to a OMNY fare gate they swipe MetroCard with its peculiar forward swipe motion on the reader which is located above and behind the OMNY NFC reader, which is positioned low and angled at pocket level. As “MetroCard sucks, it may take several (forward) swipes to enter”, the user leans into the gate while doing this and boom: OMNY reader activates iPhone Express Transit and charges fare without the user knowing it.

Default opt in Express Transit has been with us ever since Apple Pay Suica arrived in 2016. But transit cards are not credit cards and everything was fine. Things got sticky when iOS 12.3 introduced EMV Express Transit that uses bank issued credit/debit/prepaid cards for transit on Apple certified open loop systems. Currently these are Portland HOP, NYC OMNY and London TfL.

HOP and TfL don’t have problems with Express Transit. Both systems use contactless exclusively. HOP has stand alone validators, not gates. TfL gates have the NFC reader located on the top. OMNY on the other hand will have MetroCard swipe cards around for years to come: the OMNY transit card replacement is still in development with no release date. With the slow transition pace and current gate design expect the OMNY Express Transit problem to be around until MetroCard is dead, and OMNY is complete with the new tap only card.

In retrospect MTA should have done it this way: (1) rollout out the OMNY card MetroCard replacement first and add open loop support as the very last thing, (2) design better OMNY gates in two kinds, dual mode NFC + swipe, and single mode NFC only. This way MTA stations could do what JR East stations do: start with single mode tap only express gates on the edges and dual mode gates in the middle. As the transition progresses the dual mode gates get fewer and pushed to the sides with single mode gates taking over.

Apple could help by keeping automatic Express Transit opt in only for native transit cards (Suica, SmarTrip etc.). EMV Express Transit should always be a manual opt in. I understand Apple’s perspective: they want to present Apple Pay Express Transit as a seamless one flavor service, not good/better/best Express Transit flavors. The reality however is that the current technology powering EMV open loop fare systems isn’t up to native transit card standards. Apple can’t fix that.

Unfortunately MTA has taken the dumb path of blaming Apple instead of fixing their own problems. New York deserves a world class modern transit system, OMNY is an important step in building one. MTA management performance so far doesn’t inspire much confidence. Let’s hope they focus on the rollout and deliver it without more delays or problems.


Why is MTA OMNY asking Apple to fix Face ID?

MTA is asking Apple to fix Face ID. We all know that using Face ID with face masks sucks but the MTA situation is special. It’s a perfect storm of 2 separate issues, the Face ID with face mask problem and the OMNY rollout problem combined in a COVID crucible.

The MTA OMNY rollout started in May 2019 with Apple Pay EMV Express Transit support, aka Open Loop. This means regular credit and debit Apple Pay cards work for transit on new OMNY readers. It sounds great but there are downsides: open loop doesn’t support the full set of MTA transit fare options so many users have to stick with the good old MetroCard swipe until the native OMNY smartcard arrives.

Lately we don’t hear much about the OMNY card. It seems delayed along with the rest of the OMNY rollout. And because the rollout is delayed, open loop isn’t really useful because the entire system doesn’t support it. The old chicken or egg problem.

One outcome of this mixed mode is the long running complaint of unwanted Express Transit fare charges that has been constant with OMNY transit gates since the very beginning. Many users who still use MetroCard may not be aware that Express Transit is on when going through an OMNY gate. If iPhone gets close enough to the reader, bingo.

This should not be happening, so the stock advice is ‘turn off Express Transit’. The mixed mode MetroCard/OMNY open loop rollout seemed like a nice idea but implementing Express Transit before the system was completed turned out to be a bad call compounded by the COVID crisis, a victim of poor gate design, poor planning and execution.

The irony here is that iPhone users riding MTA end up turning off Express Transit, the very thing that helps keep face masks on. MTA is asking Apple to help but a ‘how to use Face ID with face masks’ ad campaign courtesy of Apple isn’t going to fix anything.

Until the OMNY rollout on MTA is completed and Apple comes up with something better than the iOS 13.5 Face ID tweak, New Yorkers will have to deal with it and use passcodes. After all, commuters with Face ID iPhones in Japan, Hong Kong, Singapore and China have been wrangling with face masks for years and Apple never lifted a finger. Get used to it.

MTA OMNY Apple Pay Express Transit User Problems

Apple’s decision to offer Apple Pay EMV style Express Transit as a iOS 13 feature when adding cards to Wallet may not have been a good idea after all, especially on the work-in-progress mixed environment that is MTA OMNY. Manual swipe MetroCards will be around for a few years, and with Cubic Transportation running the show it is anybody’s guess when OMNY, the system and the MIFARE MetroCard replacement, will completely in place and running smoothly.

For every tweet saying Express Transit is great, there are plenty of complaints of unwanted OMNY charges because iPhone users didn’t know Express Transit was turned on. The thing is iPhone and Apple Watch have to be damn close for a read. Unless the device is in a pants or coat pocket or wrist that brushes on the OMNY reader, accidental reads can’t happen. Nevertheless Apple would have happier New York City customers keeping EMV Express Transit off by default, and leave default on for the native OMNY transit card, whenever that arrives.

UPDATE: The MTA OMNY reader + Apple Pay Express Transit problem in detail here

EMV Express Transit Option Returns in iOS 12.4 Public beta 4

The temporary absence of EMV Express Transit in iOS 12.4 betas 1~3 has ended, the option has finally returned in iOS 12.4 public beta 4 (16G5046d). OMNY users in New York can use the beta for transit now, but since OMNY itself is one big beta system why bother with beta on beta? I think it’s better to wait for the official release. Portland HOP iPhone users need not bother as they can put real HOP card in Wallet. It’s way better than using a credit card, faster and cheaper too.

The only question remaining is, what kind of Wallet grunt work were they up that they had to remove EMV Express Transit temporarily in the first place?