On December 10, 2025, the Metropolitan Transportation Commission (MTC) will roll out an easier way to pay for transit in the Bay Area, allowing riders to tap any contactless credit or debit card or digital wallet. Previously, tap-to-pay was only available on BART.
Transform applauds this advance in fare collection, which will:
Encourage more people to ride by removing a barrier to using public transit, allowing riders to hop on without loading money onto a Clipper card or having cash.
Make it easier to pay as you go for transit, reducing the financial burden of transit costs.
Adding an easy, efficient, and cost-effective method for transit providers to collect fares.
Provide free and reduced transfers between Bay Area transit providers, providing a more affordable, synchronized transit system.
“Tap-to-pay is a huge step forward for Bay Area transit that will boost ridership and improve the user experience,” said Abibat Rahman-Davies, Transform’s Transportation Policy Manager. “With the free and reduced transfers, riders won’t have to think twice about transferring between systems — they’ll just pick whatever trip gets them there the fastest.”
Abibat Rahman-Davies and Transform Executive Director Zack Deutsch-Gross will be at the press conference for the launch of tap-to-pay on Wednesday, December 10, 2025, at 11 a.m. at Embarcadero Station in San Francisco.
More access needed
Unfortunately, riders can’t access discounted fares or monthly passes through the tap-to-pay system — yet. Transform’s report, Fair and Accessible Fares: Economic Justice in Transit, outlines the additional steps MTC should take to help all riders take advantage of the new system.
Rahman-Davies, the report’s author, said, “I hope to see fare discount options for students, seniors, and low-income riders added as soon as possible. Without these additions and features to support people without banking access, tap to pay risks leaving our most vulnerable riders behind.”
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Transform works to ensure that people of all incomes thrive in a world safe from climate chaos. We envision vibrant neighborhoods, transformed by excellent, sustainable mobility options and affordable housing, where those historically impacted by racist disinvestment now have power and voice.
https://transformca.org/wp-content/uploads/2024/08/ac-transit-bus-scaled.jpeg14482560Laura McCamyhttps://transformca.org/wp-content/uploads/2024/05/Company-Logo.pngLaura McCamy2025-12-08 17:49:152025-12-08 17:49:16Transform Applauds Bay Area Transit’s New Tap to Pay Option
Starting on December 10, riders can pay for Bay Area transit with a debit or credit card. BART launched its open payment system earlier this year, and tap-to-pay already makes up over 10% of all BART fares, with over 900,000 trips in the first 60 days.
Transform applauds this advance, which will increase ridership and ease the financial burden on low-income riders by making it easier to hop on a train or bus. However, as we detailed in our report, Fair and Accessible Fares, the rollout of open payments is lacking some of the features critical to an equitable system.
The benefits of open payments
The current Clipper card, which riders can continue to use, requires transit users to load cash value onto a plastic or virtual transit card. Riders can add value through electronic transfer, at a fare machine at a transit station, or through a third-party vendor.
Prepaying for transit can be a challenge for low-income riders who may be on a tight budget. Open payments removes the prepayment requirement, allowing riders to pay as they go, with their payment card only charged when they ride.
Open payments systems are a great way to encourage people to try transit. Infrequent riders don’t have to manage a Clipper card or hold a balance on one; they can simply tap to pay with a credit or debit card when they ride.
With the rollout of open payments on all Bay Area transit systems that currently take the Clipper card, riders will automatically get discounted fares, saving up to $2.85 per trip, when transferring between transit agencies within a two-hour window.
What you need to know to ride
To take advantage of open payments, all you need to do is tap your credit or debit card or use your smartphone wallet on the fare box or fare gate. The transit fare will be charged to your account. You may need to adjust the settings to use a card from the digital wallet on your phone without opening the phone and pulling up the card each time.
If you have money on a Clipper card, don’t worry: you can still use it.
If you have a senior, youth, Clipper START card, or other fare discount, you will still need to use your Clipper card to receive the discounted fare. Check out the Clipper FAQ to learn more.
What MTC must do next
The Metropolitan Transportation Commission’s implementation of open payments doesn’t include these crucial features:
Linkage with fare discount programs. Discounted fares through Clipper Youth, Senior, RTC, and Clipper START programs are NOT available through contactless bank card payment. Riders must still use their discount program-issued Clipper cards to receive these discounted fares. The State of California has systems that would allow a rider to be automatically qualified for an income- or age-based discounted fare via their bank card. MTC must add fare discount programs to its open payments program as soon as possible.
Fare capping. Fare capping automatically caps daily, weekly, or monthly fares when payments on the same card reach the cost of a pass for that transit system. For example, if a weekly transit pass is $20 and a single fare is $3, a user who rides seven or more times in a week would benefit from the fare cap. MTC’s open payments system should add automatic fare capping, where available.
Programs to connect unbanked riders with banking options. One of the biggest challenges to open payments is that the lowest-income riders often have the least access to banking services and thus can’t take advantage of a tap-to-pay system. MTC should create an outreach and information program like the one implemented by Monterey-Salinas Transit to help riders connect with low-fee banking and other digital payment options.
As panelists discussed in our open payments webinar, moving to digital payments can save transit systems money. Tap-to-pay equipment is cheaper to maintain and update than cash fare collection machines, freeing up operating funds for improved service. Clipper 2.0 can be a positive development for Bay Area transit if it’s paired with equity initiatives.
https://transformca.org/wp-content/uploads/2024/06/greenTRIP_0002_Cropped-bus-Muni-2048x1578-1.jpg353530Abibat Rahman-Davieshttps://transformca.org/wp-content/uploads/2024/05/Company-Logo.pngAbibat Rahman-Davies2025-12-05 19:49:172025-12-05 19:49:17Pay With Your Credit Card Transit Starting December 10: What You Need to Know
In a few weeks, Transform will release a report on how to ensure that open payment systems on transit serve all riders equally and where the Metropolitan Transportation Commission’s (MTC) rollout of open payments on BART falls short. last week, Transform’s transportation policy manager, Abibat Rahman-Davies, spoke at a webinar on open payments hosted by Seamless Bay Area.
What are open payments?
An open payments system is one that allows riders to tap a credit or debit card on a fare reader and have the fare deducted from their account. Unlike the original Clipper Card, users don’t have to load money onto a transit card, which allows riders to be more flexible with their finances — crucial for low-income riders.
Open payments represent an advance in access, as long as transit providers build equity into the program from the launch.
Watch the full webinar.
https://transformca.org/wp-content/uploads/2025/10/20160318-DSC01189-scaled.jpg12801920Laura McCamyhttps://transformca.org/wp-content/uploads/2024/05/Company-Logo.pngLaura McCamy2025-10-15 14:42:522025-10-15 15:13:07Transform Speaks on Equity in Open Payments
The Metropolitan Transportation Commission (MTC) recently released its final blueprint of Plan Bay Area 2050+, the region’s latest long-range plan to address transportation, housing, the economy, and the environment over the next 30 years. According to MTC, Plan Bay Area 2050+ is “an opportunity to refine select plan strategies to integrate the lessons of the last three years.”
Unfortunately, much of the plan could have been written for the past 30 years, as it continues highway expansion policies that worsen congestion and contribute to a warming planet while continuing to under-invest in active and public transportation infrastructure, making the Bay Area less affordable for the average working family.
A recently released project list details $45 billion in highway projects over the next 30 years. While that represents about 9% of MTC’s total projected transportation investment, a smaller percentage than other metropolitan planning organizations (MPOs) and California’s state transportation budget put toward highway widening, much of the highway spending is front-loaded at the beginning of the plan, undercutting transit, walking, and biking investments while baking in congestion, pollution, and emissions for the next three decades.
Plan Bay Area 2050+ will likely fail to meet its emissions reduction target
As part of Senate Bill 375, MTC is required to reduce its greenhouse gas (GHG) emission reductions from passenger vehicles by 19% by 2035. As our state contends with horrific wildfires during a wildfire season that extends year-round while also battling floods and drought, hitting this goal is more important than ever. However, according to the California Air Resources Board’s emission-tracking dashboard, we are moving in the wrong direction, with regional GHGs and vehicle miles traveled exceeding pre-pandemic levels.
Unfortunately, based on the transportation project list, we’re concerned that Plan Bay Area 2050+ is unlikely to achieve the required emissions reduction. Of the $45 billion dedicated to highways, over a third, about $16 billion, is earmarked for highway expansion, interchanges, and ramp widening, which all generate significant emissions and don’t even reduce congestion.
While the highway investment represents a fraction of the overall plan, it has an outsized climate impact. According to research from Georgetown Climate Center, you would need 10 times the investment in intercity rail to offset the emissions generated by each lane mile of highway expansion.
Making matters worse, Transform has already raised concerns about two of these highway expansion projects, SR 37 and I-680. We believe these projects will have much larger negative VMT and emissions impacts than MTC is projecting.
Front-loading climate destruction
MTC has put much of the highway widening in the first 10 years of the plan, baking in climate-killing emissions for the duration of the plan and ensuring maximum damage from the additional vehicle miles traveled (VMT). Nearly 80% of the highway expansion and 41 out of 88 projects are slated for the early years of the plan.
At the same time, some of the most effective greenhouse gas reduction strategies — all-lane tolling and pricing parking — won’t begin until 2035 at the earliest. We are already late in deploying these tools; we cannot and should not wait another 10 years before we take significant steps to reduce driving.
MTC — and all of California’s state and regional agencies — must stop acting like climate change is anything but an emergency. While Plan Bay Area 2050+ is an improvement on previous plans, it is simply not aggressive enough to compensate for decades of nonstop highway expansion. We can act quickly when needed; the actions already taken to respond to and streamline rebuilding after the Los Angeles fires demonstrate that. We need the same sense of urgency in addressing the climate emergency that we have in rebuilding after the catastrophes it causes or makes worse.
We need a better direction for the Bay Area’s transportation future
The projects included in Plan Bay Area 2050+ will set the funding decisions and priorities for the Bay Area’s transportation, housing, environment, and economy for the next 30 years, so getting this right is critical. Setting the wrong priorities or front-loading funding to projects that aren’t aligned with the priorities could lead to missed funding opportunities and missed climate goals.
Transform’s advocacy will inform the final blueprint, which the MTC will approve this spring. MTC will then send it to the California Air Resources Board, which must approve it and certify that it will meet sustainable communities strategy goals. We will continue advocating as the agencies involved finalize the plan over the next year, working to eliminate highway widening and expand funding for programs that support climate mitigation and the affordable, accessible, sustainable transportation options the Bay Area needs.
https://transformca.org/wp-content/uploads/2025/01/City-view-SF-Twin-Peaks-scaled.jpeg15361920Zack Deutsch-Grosshttps://transformca.org/wp-content/uploads/2024/05/Company-Logo.pngZack Deutsch-Gross2025-01-21 17:11:472025-05-05 14:02:19MTC released its latest transportation plan. Here’s why we’re worried.
SAN FRANCISCO – After months of deliberation, the Metropolitan Transportation Commission (MTC) failed to identify a clear path forward for a much-needed regional transportation measure.
“We can’t let the unthinkable happen and let transit services collapse. It will be a domino effect, stripping the Bay Area of the public transit that’s the lifeblood of our region,” said Transform Transportation Policy Director Zack Deutsch-Gross. “Everyone suffers when transit service goes away. But low-income and BIPOC people, who often have the fewest transportation choices, will bear the brunt of diminished or absent public transit, with reduced access to jobs, education, and necessary services.”
The Bay Area’s transit agencies face a fiscal crisis, with massive service cuts expected if the region doesn’t secure an additional revenue source by 2027. BART could be forced to reduce train frequencies to once an hour during off-peak times, while Muni would suspend up to 20 routes, and AC Transit would have to cut their entire service by up to 30%.
Time is running out to develop a unifying vision for a regional transportation revenue measure that can be approved by the legislature in 2025 and go on the ballot in 2026. With today’s vote to advance two different funding concepts — both lacking full-throated support from the Commission and select committee — Bay Area residents are entering the 2025 legislative cycle without a clear path forward to keep their buses and trains running.
One of the scenarios (1a) would not even fully address the fiscal cliff for Muni or AC Transit, despite the fact that these two agencies carry approximately 75% of the transit ridership in the Bay Area.
Both scenarios are funded through a regressive sales tax. A sales tax measure would further burden low-income residents, especially in Alameda County, which already has the highest sales tax in the Bay Area.
“Affordability is a top concern for voters, but a half-cent sales tax would burden those with the least ability to pay without fully addressing the fiscal cliff,” said Transform Transportation Policy Advocate Abibat Rahman-Davies. “It’s incredibly disheartening to see civic leaders like the Bay Area Council threaten to kill any measure that is not a sales tax.”
The Bay Area cannot give up on regional transit. If any of our transit systems is forced into drastic service cuts or ceases operation, we will lose a vital link in a transit chain, stranding residents from throughout the region. As a member of Voices for Public Transportation, Transform will continue to work with MTC, Bay Area transit operators, and the state legislature to advance authorizing legislation to support a robust, vibrant, connected transit future for our whole region.
https://transformca.org/wp-content/uploads/2024/08/People-transit-Brandon-Matthews-6-e1724967017831.jpg12671920Abibat Rahman-Davieshttps://transformca.org/wp-content/uploads/2024/05/Company-Logo.pngAbibat Rahman-Davies2024-12-09 17:49:442024-12-09 17:52:33MTC Indecision on Regional Transit Funding Measure Leaves Riders in the Lurch