Our Products

As a merchant or business owner, you could benefit greatly from shifting from cash to electronic payments. By accepting beep™ transactions, you could lower the cost of doing business, improve customer loyalty, make it easier to track transactions, and potentially lessen leakage of funds.

Our Products

What is beep?

beep™ is more than a stored-value smart card. Our solutions enable transport operators and other businesses to automate payments, generate reports for better decision making and reduce expenses and risks related to cash handling. This results to more efficient operations, streamlined processes and higher revenue. Our goal is to provide our partners the tools to help them simplify their day-to-day operations and grow their business.

We Specialise in Automated Fare Collection Systems that allow public transport operators to automate their payment processes and provide their customers with convenient ways to pay, to include:

  • Payment using beep
  • QR codes
  • Cash

Payment Card Products

beep™ Stored Value Cards

First issued in 2015 when beep™ was launched in the 3 light rail lines, this card offers the following features:

  • No KYC (Know Your Customer) required. Can be used immediately after loading money on the card. No forms to fill out, no need to wait for approvals.
  • The card is valid for 4 years.
  • No minimum load with a maximum load of P10,000.
  • Can be used for:
    • Payment for transport fee
    • Payment for goods and services
    • Storage of Transit Products (e.g. a weekly transit pass, season pass)
    • Storage of:
      • Personal information (if registered)
      • Loyalty points
      • Transaction history
      • Vouchers

Single Journey Tickets

Reusable tickets that are valid for a single trip and can be used exclusively in the automatic gates of each of the 3 light rail operation. These cards are surrendered upon exit.

beep™ Transit Pass

These cards can be used to:

  • Provide discounts for a defined period of time (daily, weekly, monthly)
  • Provide free rides for a period of time (free rides every Sunday, holidays, etc.)
  • Provide a pre-defined number of free trips (one free ride for every 5 rides, etc.)

beep™ Concessionary Cards


  • Senior Citizen Card
  • Student Card
  • Persons with Disability (PWD) Card

Services Offered for Concessionary Cards:

  • Distribution through train and bus operators.
  • Ensure cards are issued to eligible persons only, and avoiding the issuance of duplicate cards (for PWD and Senior Citizens only).
  • Fare Collection reader recognizes concessionary cards and will apply the corresponding discount.

beep™ Co-branded Advertising Cards

Works the same way as any beep™ card but is branded with the partner's logo or campaign elements. With its 4-year validity, this card will be in the consumer's wallet for 4 years guaranteeing the advertiser extended brand exposure.
We can provide the following services for co-branded Advertising Cards:

  • Management of card design and card manufacturing process
  • Card creation and initialization
  • Card distribution

beep™ Co-branded Multi-Function Cards


  • Has a standard beep™ card functionality in addition to other functions (such as credit, debit or pre-paid card).
  • We can provide the following services for Co-Branded Multi-Function Cards:
  • Can be made available in dual interface (one-chip) or hybrid card (two-chip) versions
  • Initialization of the beep™ chip

Accredited beep™ Card Manufacturers

AFPI has accredited a number of card vendors that are certified to manufacture and initialize beep™ cards. Issuing partners can order cards with beep™ functionality from these manufacturers directly.

Accredited Card Vendor Certified Card Type
ldemia (formerly OT-Morpho) Hybrid card (contact chip+ Mifare DESFire EV1 8K chip) and Standard SVC (Mifare DESFire EV1 8K chip)
Thales Group Dual Interface card (Contact EMV with Con­tactless Mifare DESFire EV1 SK emulation)
Megakarte Smartcard Corporation / FutureCard Standard SVC (Mifare DESFire EV1 8K chip)
Banner Plasticard, Inc. Hybrid Card (Contact EMV chip + Mifare DESfire EV1 SK chip) with Magnetic Stripe and Standard SVC (Mifare DESFire EV1 SK chip)

Automated Fare Collection Systems

AFPI offers automated fare collection systems (AFCS) for operators of all kinds of public transport vehicles. We support multiple methods of fare collection - from contactless stored value card to cash payment for paper-based or single journey tickets and even QR codes.

The contactless stored value cards are interoperable across all beep™ fare collection terminals. This means passengers will only need one card for all modes of transport that accept the beep™ card, be it Metro Manila's light rail system, a Point-to-Point (P2P) bus, a jeepney/PUV or a ferry in different parts of the country.

Mass Transit Application (trains)

AFPI offers an AFCS for mass transit environments. The system supports stored value smart cards, single journey tickets, season passes and concessionary cards. The functionality of the system is similar to the ones installed in Singapore, Hong Kong, Bangkok and other major Asian cities.

The access gates of our fare collection system for mass transit allow at least 35 passengers per minute to enter or leave the paid area. The access gates automatically deduct the correct fare, apply discounts for concessionary cards or verify and retain single journey tickets.

Ticket Vending Machines (TVM)
The transport operator can sell, load stored value cards and dispense single journey tickets at self-service ticket vending machines (TVMs). These machines are deployed to improve operational efficiency of the transport operator and reduce the need for passengers to transact with station cashiers or tellers.

Point-of-Sale (POS)
POS machines are provided to station cashiers and tellers for the loading or top-up of stored value cards. The POS is also used to issue activated stored value cards and single journey tickets.

The transport operator has access to a variety of reports that aggregate transactions or provide individual transaction details to facilitate further analysis. AFPI processes transactions daily and transfers settlement funds on the next available working day based on pre-defined business rules.


Bus operators typically allow passengers to board and disembark the bus at various sites along it's route. AFPl's system for buses support distance-based fare calculation by deducting the maximum fare at the point of entry and refunding the unused amount at the point of exit (debit-credit). Operators may choose other methods of charging fare upon entry and/or exit.

Distance Based Fare Calculation
Our equipment determines the position of the bus with Global Positioning System or GPS receivers and applies the correct fare using a distance or stop-based fare table or fare matrix. The system automatically applies preset discounts for concessionary cardholders.

Fixed Fare
For Point-to-Point (P2P) or fixed fare routes where passengers pay a single fixed fare, AFPI offers on-bus devices (bus validators) and devices that are installed at the bus stop (terminal validators). On all cases, the passenger taps their card only once to pay the full exact fare.

The bus system can be combined with AFPl's cash ticketing system to create a complete fare collection and ticketing solution.

Cash Ticketing
The bus cash ticketing system provides on-board ticket sales for cash payments. Under this set-up, the passenger drops their cash payment in a secure cash collection box designed to prevent unauthorized access to the cash collected. The driver prints and issues paper tickets and generates end-of-shift reports using the on-board printer in the driver terminal.

Drivers and dispatchers have cards that allow access to various functions on the driver terminal.

Configuration parameters such as the route or the bus number can be changed by the dispatcher or done remotely from AFPl's backend system.

The solution tracks all cash payments by driver, bus, route, trip and time. The collection, counting and depositing of cash are supported by reports that are printed by the driver terminal whenever a cash collection box is removed or an empty box is installed on the bus. The reconciliation of cash paymetnns is supported by reports that are generated by AFPl's backend system.


  • Cash collection box
  • Driver terminal

AFPI offers full fare collection services including ticket sales at the terminal or beep TM card payments on board the bus.

Jeepneys and Other Small PUV

The operator may choose from a number of options when installing their jeepney AFCS solutions, including:

  1. Support for beep™ card fare payments;
  2. Support for cash payments (may be combined with beep™ card payment);
  3. Support for single fixed fare;
  4. Support for distance based fares;
  5. Single passenger terminal;
  6. Multiple passenger terminals (requires Wi-Fi access point);
  7. Driver console (required for cash payments);
  8. Inspection device (for verification of tickets or issuance of tickets outside the vehicle);
  9. On-board ticket/report printer;
  10. Settlement reports delivery via e-mail or a specified web-based portal.

The more sophisticated variant would includes a passenger terminal with distance based fare calculation, a driver console supporting cash ticketing and a printer. Passengers may either tap their card when they enter and exit the vehicle or pay by cash. For passengers paying cash, the driver would use the driver terminal to record the transaction and issue a paper ticket (optional). In all cases, our terminals upload transactions and download parameters in 15 minute intervals.

Ferry Services

To help modernize commuter ferries across the archipelago, AFPI offers port-based validators and ticketing devices. For passengers with a beep™ card, they have the option to purchase transit pass products or use the load on their beep™ card to pay for their trip. The passenger taps their card on the validator before boarding the vessel, where the pass product is read or the full fare is deducted at the start of the journey, making disembarkation faster and more efficient. For passengers paying in cash, they can pay at a ticketing booth where a teller will issue a ticket using a ticketing device. For the operator, a detailed report on usage and pass issuance will be provided regularly for better planning and management.

Transit Passes

A device that issues time-based passes on a beep™ card for multiple rides (e.g. round trips, daily pass, weekly pass, monthly pass) as defined by an operator.

Pass Validation Device

It is used to validate the travel pass issued to a beep™ card when the card is tapped. This is usually positioned at a point where validation is required (terminal fare, on-board a vehicle).

Retail Acceptance

For Small and Medium Sized Merchants

Smaller merchants have the option to deploy a small handheld device that is not connected to any of the merchant's point-of-sale systems. AFPI offers handheld devices that are self-contained, with their own network connection, acknowledgement receipt printing, and security and processing capabilities. Alternatively, a merchant may opt for a small reader that is connected to a mobile phone via Bluetooth to accept and process beep TM card payments.

For Large Merchants

Merchants that have installed point-of-sale (POS) devices in their shops can connect to one of AFPl's retail readers for a fully integrated beep™ acceptance and load system. The AFPI all-in-one retail reader comes with its own network connection to upload transactions and download parameters, software and blacklists to and from the AFPI backend systems.

The retailer's POS device does not need to be programmed to interact with the beep™ card or the AFPI clearing house. In order to initate a transaction, the POS sends a small instruction to the AFPI retail reader and receives information about the success or failure of the transaction via USB connection.

Loading Products & Solutions

beep™ Kiosk

AFPI offers self-serve kiosks where beep™ cardholders can load their cards on their own. These kiosks can be deployed in bus terminals. These are unmanned and available 24/7.

Mobile App-based Loading

Through the Coins.ph mobile application, beep™ cardholders can load and check the balance of their card by simply tapping their cards on their NFC-enabled Android phones.

Loading can be done in real time, anywhere.

Handheld Loading Terminal

AFPI can also provide a small handheld terminal that can be used solely for loading beep™ cards. These devices have their own network connection and can be used to print acknowledgement receipts and other reports.

These devices will require manpower to operate and accept cash payments.

e-Load Station

Over-The-Air (OTA) loading. With this option, cardholders can transfer load from a mobile wallet or debit account, among others, to their beep™ cards. The load is reflected when the card is updated using a beep™ e-load station. Current partners are the following: EON by Unionbank, Akulaku, BPI, and JustPayTo.

Loading at ATMs

The service will initially be available in 100 select China Bank ATMs strategically located near train stations & P2P bus terminals. ATMs with beep™ loading capability will be marked by a beep™ sticker and a beep™ card reader housed inside it. China Bank cardholders can reload a minimum of P100 up to P10,000 in multiples of 100, the amount of which will be debited from their account and instantly stored in their beep™ cards.

TouchPay Payment Terminal

beep™ loading is also available in select units of TouchPay Payment Terminal. These payment terminals offer convenience in loading incorporating speed, safety, and security, 24 hours a day, 7 days a week.

Mobile Phone Products

Personal Mobile Phone Products


  • Load any beep™ card from personal e-Wallet on personal mobile phones
  • Check balance on any beep™ card
  • Available for all NFC-enabled Android mobile phones


  • Crypto System either within the e-Wallet provider's process­ing systems or operated by AFPI
  • Settlement of transactions
  • Report Generation

Mobile Phone-Based Mini Terminals


  • Load any beep™ card from merchant's pre-paid account
  • Check balance of any beep™ card
  • Available for android mobile phones


  • Mini terminal that can be connected to mobile phone via bluetooth
  • Application for Android phones

Specialized Acceptance Products

Parking Fee Payments

Car park management and providers are looking for ways to minimize queueing at exit during peak hours. The main cause of the build up is the time-consuming payment process at exit. AFPI offers solutions that will enable motorists to exit the parking establishment with just a tap. A reader is placed at the parking entrance to capture the time of entry and another reader at exit captures the time of departure, computes for the parking fee and automatically deducts it from the beep™ card presented. This process takes less than a second compared to cash payment which can take minutes. AFPI ensures that there are enough loading facilities within the car park to ensure that beep™ card holders will have every opportunity to top up their cards prior to leaving the car park.

Road Toll Payments

Pay fixed fee for an open system road toll payment solution


  • Settlement
  • Reporting


Customer Helpdesk

AFPI operates a 24/7 cardholder helpdesk. Customers may contact AFPI with any ques- tion about the beep™ card, a transaction or the balance on the card.

Settlement Services

AFPI operates a sophisticated, high-volume clearing and settlement system that processes all transactions on all beep™ cards and any acceptance or load device in the system.

Settlement funds are deposited to the respective settlement accounts of our merchant partners on the next available working day after the transaction has taken place.

We also provide data to resolve potential disputes within 7 days.

A variety of settlement reports help merchants, transport operators and other entities to reconcile their own transaction records with the AFPI settlement information. We provide reports that contain standard aggregated information as well as individual detailed transaction reports.

Product Development Support
  • beep™ software development for a variety of terminals
  • Design and development consulting services for third-party development

Interested in working with us?

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