Public Transport Operators

Fare collection and CO2 tracking in one solution
Public Transport Operators

Whether you are looking to replace your current fare collection solution or upgrade it, you should give PayiQ ‘s Ticketing as a Service platform a test run. We can implement it on top of your current system, and you get to try most of the smart features available.

PayiQ’s platform is a cloud-based service for anyone wanting to sell a ticket or a bundle of tickets to the end-user. There are three ways to start using PayiQ’s Ticketing as a Service platform:

  • The fastest way is to start selling your tickets through the PayiQ Tickets general app. This way you can get going within hours.
  • The second option is to build your own branded ticket app using our White label application.
  • The third is to integrate our ticketing service into your service via our Online Cloud API.
PayiQ’s fare collection solution is already in use in over 60 cities and municipalities in Finland.

Easy-to-use ticketing platform with world class fraud prevention

The technical core of PayiQ’s platform is not payments, but fraud prevention. The intelligent fraud prevention engine calculates a score for every transaction, whether a payment or an authentication, based on the device used and the location. If the score is high, the transaction is rejected. There are different plugins that can be used to analyze and calculate the score for increased understanding of user behavior.

The backend software, serving customers and their applications, runs on a secured Linux operating system managed by default in Microsoft Azure cloud using Microsoft datacenter closest to the customer’s geographic region (or, in special cases, in private national datacenters). PayiQ also utilizes the HERE positioning system which geographically locates every transaction made through the system.

PayiQ supports all common payment methods. Purchases can be charged through mobile phone billing and all the usual credit cards. In addition, online wallets or consolidated invoicing can also be used. Our data handling complies with the PCI DSS information security standards which meet all the requirements defined by international credit card companies.

Every transaction is a chance to learn more about customers. Together these transactions form big data sets that can be used to further develop the transportation service, as well as overall customer satisfaction.

Benefits of PayiQ’s fare collection


PayiQ’s Ticketing as a Service platform contains intelligent fraud prevention that detects potential risks in real-time so they can be tracked and prevented. By reducing the cash in circulation, the security of the staff is also increased. No frauds means no loss of money for the operator.


PayiQ offers a flexible mobile payment system that supports all common payment methods. Ticket products are flexible and can be offered as a single or periodic ticket, with recurring payments, top-up of travel cards etc. Pricing is dynamic and can quickly be changed and instantly made available to customers.


PayiQ Ticketing as a Service is both a cost-effective and fast time-to-market solution. The initial capital cost for implementation is low while the running cost consists of a license fee and a transaction-based fee. The online cloud solution makes it scalable and easy to grow, regardless of operator size. Through the API, the Ticketing as a Service solution can easily be integrated with a third-party system.

CO2 tracking

PayiQ’s fare collection solution is also a smart city solution that encourages to reduce CO2 emissions. PayiQ’s GreenImpact feature effectively manages traffic emissions, curbs unnecessary driving, and promotes low-carbon mobility choices. It incorporates gamification and sustainable engagement to encourage passengers to make eco-friendly transport choices.

Public transport operators using PayiQ’s solutions

Föli – Turku region traffic

Turku region traffic has been using PayiQ’s white label app since 2015 and since then ticket range and app features have been developed in good co-operation. The app capabilities include:

  • Versatile mobile QR tickets: single, day, season, combination, events, multimodal
  • “Best price ticket”, dynamic ticket price that varies according to usage
  • Travel card top up
  • Validation integration
  • Route planner
  • Traffic announcements
  • GreenImpact for CO2 tracking


PayiQ developed a fare collection system and clearance service for the Centre for Economic Development, Transport and the Environment of Southwest Finland. The service, Seutu+, offers regional bus tickets in Southwest Finland and Satakunta. The system includes:

  • Versatile mobile QR tickets: season and multiticket
  • Travel card backend with travel card top up and service point integration
  • Mobile and web interface for passengers
  • Route planner
  • Validation integration
  • Clearance service


Riihimäki public transport uses PayiQ Tickets general app to sell their bus tickets. Riihimäki recently expanded their ticket selection with e.g., best price tickets.

  • Versatile mobile QR tickets: single, day, multi, season, discount groups
  • “Best price ticket”, dynamic ticket price that varies according to usage
  • Route planner

Customer testimonials

Built with service integrators in mind

A third-party systems integrator is needed when a customer wants to integrate PayiQ’s service to a private cloud instead of using the Azure-based standard option. In this case, the systems integrator develops the last mile development and, in some cases, takes care of the hosting as well. At times PayiQ’s ticketing service is something an integrator wants to offer as part of their own service portfolio.