Originally Posted by
LordHamster
Even with Apple Pay, you need to make sure you tap in and tap out with the same card “selected” in Apple Pay. Somehow they are able to reconcile the proper billing despite the tokenization taking place from the device. Not sure how it works, but it does. Daily maximums are correctly applied.
Originally Posted by
adambadam
To expand on that, for Apple Pay it really has to be the same device. You cannot tap in with your iPhone and out with your watch, for example, even if you are using the same physical card.
The tokenization is more a unique security code. There is a device account number assigned each card when it is added to a device. This replaces the credit card number and remains a constant when you use Apple Pay on that device and allows for TfL and other similar uses to aggregate activity.
I was using the same phone per ride but not always the same phone the entire day. My experience is that the daily cap is not applied per card, it is applied per device.
In retrospect, what happened is explainable but not ideal. I guess I will write to TfL to see if they will credit me.
Kind of ironic since I used the phone so I did not have to buy an Oyster card. Now it ended up costing me a lot more than an Oyster card