Frequently Asked Questions

How OMNY Works

With OMNY, you can use your own contactless card or smart device to ride with the MTA. Just choose your preferred payment method, tap at an OMNY reader, and go!

OMNY supports a full-fare, pay-per-ride option now, including free transfers. In the future, customers who qualify for reduced fares will also be able to use their own contactless cards and smart devices, and all customers will eventually have access to OMNY cards.

OMNY is available at all subway stations and on all MTA-operated buses in New York City. Learn more about the rollout.

OMNY supports a full-fare, pay-per-ride option now, including free transfers. Additional fare options will be available during future phases of the rollout, including reduced fares, student fares, special programs, and more.

With OMNY, you can use your own contactless credit, debit, or reloadable prepaid card, as well as the digital wallet supported by your smart phone, smart watch, or wearable.

Cards issued on the Visa®, Mastercard®, American Express®, and Discover® networks are accepted today.

Digital wallets on your smart device are supported today, including Google Pay™, Apple Pay®, Samsung Pay®, Fitbit Pay™, and more.

Learn more about contactless cards and digital wallets.

Contactless cards have this symbol on the front or back. If you see this symbol on your card, you can tap it at OMNY readers at subway stations and on buses to make fare payments and enter the system.

Learn more about contactless cards.

Digital wallets are mobile applications that allow you to make payments with smart devices, such as your smart phone, smart watch, or wearable. Like contactless cards, smart devices also use contactless technology. Before you can make fare payments with your smart device at OMNY readers, you will need to add your bank card to your digital wallet.

Learn more about digital wallets.

You can choose between as many payment methods as you prefer. Keep in mind that only one payment method can be used to pay each fare at a single time.

Important: You must use the same payment method throughout each individual trip to qualify for benefits like free transfers. For example, if you tap your contactless card to ride the subway, you must tap that same contactless card to obtain your free transfer to a local bus. You cannot switch between your contactless card and other payment methods and still obtain your free transfer. If you switch between payment methods during an individual trip, your transfer will be treated as a new trip, and you will be charged for your transfer.

To ensure that the fare is charged to your preferred payment method, please remove your card from your physical wallet and tap it on the OMNY reader. This will prevent you from accidentally charging other cards in your physical wallet.

OMNY is a contactless payment system and will accept payment from any NFC-enabled contactless card. Since OMNY does not know which card is your preferred payment method, the system will charge your fare to the first card that it reads.

To ensure that the fare is charged to your preferred payment method, please select the card in your digital wallet that you want to use and tap your smart device on the OMNY reader. Depending on the digital wallet you are using, and the number of cards in your digital wallet, you may need to select a default card.

OMNY readers are the face of the MTA’s new contactless fare payment system. OMNY readers serve as point-of-sale terminals, allowing you to pay your fare and enter the system – all in a split second. Click here to learn more about OMNY readers, including what the OMNY reader screens mean.

We have designed OMNY readers with various features to ensure that accessibility standards are achieved. Learn more about accessibility.

The fare charged to your payment method is not displayed on the OMNY reader screen. However, you can access your trips and charges associated with your payment method online. Simply register for an OMNY account and sign in to access your personalized dashboard to view this activity.

Your fares are currently charged individually for each trip. You will see each charge on the statement associated with your payment method.

Important: Your payment method will be authorized the first time it is tapped on an OMNY reader. This will trigger an authorization amount of $2.70 or $2.75 depending on your payment method. This authorization amount is temporary and will be reversed when the actual fare is charged to your payment method. In the case of your express bus trip, you will only be charged $6.75, and the $2.75 authorization will be reversed.

If you tap your contactless card or smart device and the OMNY reader indicates that the payment was not accepted, you will need to use another payment method to pay for your ride. Your payment may not be accepted for a few reasons. For example, if your payment method has been blocked by your bank or by the MTA, or your smart device is damaged, then you will not be able to use that payment method at any OMNY reader until the issue is resolved.

To resolve an issue with your card, please contact your bank. In the meantime, you can use another card, including a card in your digital wallet, or MetroCard.

If you are having trouble with your digital wallet, you may need to remove your card from your digital wallet and add it back in.

It is possible that your payment method has been blocked if we have not received payment for a prior fare. Until payment is received for that fare, that payment method will remain blocked, even if you use other payment methods in the meantime. You can register for an OMNY account or sign in to troubleshoot issues with your payment method.

Once you have resolved the issue with your payment method, there are a few ways to start using OMNY again:

  • Online: If you have an OMNY account, sign in, access your personalized dashboard, and check your account activity for any charge that was not accepted. After you locate the charge in question, follow the prompts to reauthorize payment. You will receive a confirmation message if the reauthorization is successful. Once the transaction is made successfully, it can take up to 15 minutes before you can continue to the same payment method at OMNY readers.
  • Phone: Contact OMNY customer service by calling 511. Once the transaction is made successfully, it usually takes up to 15 minutes before you can continue to the same payment method at OMNY readers.

Yes. The same free transfer rules that apply to MetroCard also apply to OMNY. Your free transfer will not be visible on the OMNY reader screen. Your free transfer will be determined at the end of each day, before your payment method is charged.

Important: You must use the same payment method throughout each individual trip to qualify for benefits like free transfers. For example, if you tap your contactless card to ride the subway, you must tap that same contactless card to obtain your free transfer to a local bus. You cannot switch between your contactless card and other payment methods and still obtain your free transfer. If you switch between payment methods during an individual trip, your transfer will be treated as a new trip, and you will be charged for your transfer.

Important: If you travel with multiple riders, you can perform pass-backs to pay for yourself and up to 3 additional riders, including free transfers. You will need to tap multiple times for multiple riders seeking to receive free transfers. For example, if you travel with 3 additional riders, you will need tap 4 times on the first leg of your trip and 4 times for free transfers on the second leg of your trip.

Yes. The same pass-back rules that apply to MetroCard also apply to OMNY. You can tap and pay for yourself and up to 3 additional riders with the same payment method on a single trip. You will need to tap your payment method for each person that is riding with you. Each tap will result in a full-fare charge. Each person will also be eligible for free transfers. Taps and transfers cannot be moved between OMNY and MetroCard.

Important: If you are using a new payment method, you will not be able to perform pass-backs when you use that payment method for the first time. This is because the system must have a record of your payment method before you can perform pass-backs.

Important: You are limited to tapping and paying for yourself and 3 additional riders with the same payment method at a single OMNY reader. You may continue using the same payment method at a different OMNY reader. However, if you do so, the 4 free transfers associated with the original 4 taps will be forfeited. If you are traveling with more than 3 additional riders, it is recommended that you use multiple payment methods to prevent the forfeiture of free transfers. Each payment method can support up to 4 riders and 4 free transfers on a single trip.

Important: You must use the same payment method throughout each individual trip to qualify for benefits like free transfers. For example, if you tap your contactless card to ride the subway, you must tap that same contactless card to obtain your free transfer to a local bus. You cannot switch between your contactless card and other payment methods and still obtain your free transfer. If you switch between payment methods during an individual trip, your transfer will be treated as a new trip, and you will be charged for your transfer.

Important: You must use the same fare payment system throughout each individual trip to qualify for benefits like free transfers. For example, if you use OMNY to ride the subway, you must use OMNY to obtain your free transfer to a local bus that is equipped with OMNY. You cannot switch between OMNY and MetroCard and still obtain your free transfer. If you switch between OMNY and MetroCard during an individual trip, your transfer will be treated as a new trip, and you will be charged for your transfer.

Not yet. Reduced fares will be supported later in 2021. Customers who qualify for reduced fares will be able to choose how to use OMNY: either with their own contactless cards and smart devices or with OMNY cards. Existing reduced-fare customers will be transitioned to OMNY automatically. New reduced-fare customers will be on-boarded in OMNY when the reduced-fare program launches later in 2021.

If your transit benefit provider has issued you a contactless credit, debit, or reloadable prepaid card, you should be able to use that card at an OMNY reader and register that card in your OMNY account. This mainly depends on whether the contactless card is NFC-enabled. Please contact your transit benefit provider for more information about the contactless card capabilities, as well as to determine if their products can also be supported in digital wallets.

MetroCard and OMNY are two separate systems, so it is not possible to transfer MetroCard value or passes to OMNY. However, as OMNY is rolled out, we will introduce fare options that are comparable to what is available with MetroCard today.

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