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

Payment Card Products

beep™ Stored Value Cards

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

  • No KYC (Know Your Customer) required. Can be used immediately after loading money to the card. No forms to fill out, no approvals to wait for.
  • The card is valid for 4 years, load can be transferred to a new card (refund within 1 year after expiry)
  • No minimum load and can have a maximum load of P10,000. Can be used for:
    • Payment for transport
    • Payment for goods and services
    • Storage of Transit Products (e.g. a weekly transit pass)
    • Storage of:
      • Personal information
      • Loyalty points
      • Transaction history
      • Vouchers

Single Journey Tickets

Reusable tickets that are valid for a single trip and can be used in the automatic gates of the light rail systems. These cards are surrendered in the exit gate of the train stations.

beep™ Transit Products

These cards can be used to:

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

beep™ Concessionary Cards


  • Senior Citizens
  • Students
  • Persons with Disability (PWD)

Services Offered for Concessionary Cards:

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

beep™ Co-branded Marketing 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 Marketing 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 chips) versions
    • Initialization of the beep™ chip

Accredited 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
Morpho Cards (Singapore) Pte. Ltd. Hybrid card (Contact chip card + MiFare DESFire EV1 8K) Standard SVC (MiFare DESFire EV1 8K)
Oberthur Technologies (Philippines), Inc. Magnetic stripe card with MiFare DESFire EV1 8K + EMV Hybrid card (Contact chip card + MiFare DESFire EV1 8K) Standard SVC (MiFare DESFire EV1 8K)
Gemalto Philippines, Inc. Magnetic stripe card with MiFare DESFire EV1 8K + EMV Dual interface card (Contact R7 EMV and MiFare DESFire EV1 8K)
MegaKarte Smartcard Corporation / FutureCard Standard SVC (MiFare DESFire EV1 8K)
Banner Plasticard, Inc. Magnetic stripe Hybrid card (Contact chip card + MiFare DESFire EV1 8K) Standard SVC (MiFare DESFire EV1 8K)
AllCard Plastics Philippines, Inc. Standard SVC (MiFare DESFire EV1 8K)

Automated Fare Collection Products

AFPI offers automated fare collection solutions for operators of all kinds of public transport vehicles. We support multiple methods of fare collection - from contactless stored value cards to cash payment for paper or single journey tickets.

The contactless stored value cards are interoperable across all beep™ fare collection terminals, which means that passengers will only need one card for all modes of transport, be it Metro Manila’s light rail system, a P2P bus or a jeepney/PUV.

Mass Transit (trains)

AFPI offers an Automated Fare Collection System for mass transit environments. The system supports stored value cards, single journey tickets, season passes and concessionary cards. The funcitonality of the system is very similar to systems that are installed in Singapore, HK and other major cities in the world.

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

The transport operator can sell tickets at unattended ticket vending machines (TVM) or at POS devices installed at ticket sales counters.

The transport operator has access to a variety of reports that aggregate transaction or provide individual transaction details. AFPI processes transactions every day and transfers settlement funds on the next available working day.

City Buses

City bus operators typically allow passegers to board and disembark the bus at various stops along its route. AFPI’s system for City Buses supports such distance-based fare calculation by deducting the maximum possible fare at the point of entry and refund the unused money at the point of exit. Operators may choose other methods of deducting funds on entry and exit.

Our equipment determines the position of the bus with GPS receivers and applies the correct fare using a distance or stop based fare table. The system automatically applies discounts for concessionary cardholders.

For P2P routes, where passenger pay a single fixed fare, AFPI offers on-bus terminals (bus validators) and terminals that are installed at the bus stop (terminal validators). In all cases, the passenger taps the card only once to pay the full fare.

The city bus system can be combined with AFPI’s cash ticket product to create a complete fare collection and ticketing solution.

AFPI uploads transactions regularly throughout the day, processes transactions every night and settles fare revenues on the next available business day.

Cash Ticketing (Bus)

The bus cash ticketing solution provides on-bus ticket sales for cash payments. Under this setup, the passenger deposits the cash in a secure cash collection box (as shown in photo), which is designed to prevent unauthorized personnel from having access to the cash collected. The driver uses a terminal to print paper tickets and reports.

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

Configuration parameters such as the route or the bus number can be changed locally by the dispatcher or remotely from AFPI’s backend system.

The solution tracks all cash payments by driver, bus, route, trip and time. The collection, counting and depositing of money is supported by reports that are printed on the bus, whenever a cash collection box is removed or an empty box is installed on the bus. The backoffice reconcilation of cash payments is supported by reports that are generated by AFPI’s backend system.

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


  • Cash collection box
  • Driver terminal

Provincial Buses

We can provide the following services for provincial buses:

  • beep™ card payment for fares at ticket counter
  • Fare payment via tap in and out on the bus or at special devices within the bus terminal

Jeepneys and Other Small PUV

The operator may choose from a number of options when installing their beep™ jeepney AFCS solution:

  1. Support for beep™ card fare payment
  2. Support for cash payments (can be combined with beep™ card payment)
  3. Support for single fixed fare
  4. Support for distance based fares (cannot be combined with single fixed fare)
  5. Single passenger terminal
  6. Multiple passenger terminals (requires wifi access point)
  7. Driver console (required for cash payment)
  8. Inspection device (for verification of tickets; issuance of tickets outside the jeepney)
  9. Ticket/report printer in the vehicle
  10. Settlement report delivery via e-mail or via a specified website

The simplest variant of the jeepney AFCS solution is the single passenger terminal, fixed fare product. Passengers tap their beep card at the terminal to pay the fixed fare and the operator receives a daily report of the previous day’s transactions. Cash payments are managed independently by the operator.

The more sophisticated variant would include 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.

Retail Acceptance and Load Products

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 systems. AFPI offers handheld devices that are self-contained, with their own network connection, acknowledgement receipt printing, security and processing capabilities. Alternatively, a merchant may opt for a small reader that must be connected to a mobile phone via Bluetooth.

For Large Merchants

Merchants that have installed point-of-sale (POS) devices in their shops can connect to one of AFPI’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.

Loading Products

beep™ Kiosk

AFPI offers unattended kiosks where beep™ cardholders can load their cards on their own. These kiosks can be deployed in bus terminals.

App-based Loading

Through the Coins.ph app, 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 anytime, 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.

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 phones


  • Crypto System either within the e-Wallet provider’s processing systems or operated by AFPI
  • Settlement
  • Reports

Mobile Phone-Based Mini Terminals


  • Load any beep™ card from merchant’s pre-paid account
  • Check balance on any beep card
  • Available for android phones


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

Specialized Acceptance Products

Parking Fee Payments (available soon)

Road Toll Payments

Pay fixed fee for an open system road toll payment solution

  • Settlement
  • Reporting

Other Services

Customer Helpdesk

AFPI operates a 24/7 cardholder helpdesk. Customers may contact AFPI with any question 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 in the settlement account of the respective entity on the next available working day after the transaction took place.

We also provide dispute resolution (typically 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 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?

Share with us your contact details and we'll get back to you.