Operations Flow

Operations Flow

The TapToPay Central Computer System supports clearing and settlement for multiple service providers, card issuers and acquirers, as is necessary in a multi-application system.


The Operation Flow of an AFC system goes through five major steps:

  1. Generation of Electronic Money (E-Money)
  2. Reloading E-Money onto AFC Cards
  3. Debiting E-Money inside AFC Cards for payment
  4. Upload of transactions and data exchange
  5. Clearing and Settlement