O-Payment | OC Transpo

How to Use

O-Payment allows you to use your debit card, credit card, or mobile wallet to ride OC Transpo buses or trains. Simply tap it at the fare reader. The screen will turn green, and you’re ready to ride!

It’s fast, easy to use, and automatic: no need to create an account.

Transfer window: Use the same card or mobile wallet each time you tap on buses or trains to avoid extra charges during transfers.

Find out about the transfer window

Transcript and text description

Timing	On-screen imagery	Sound
0:00	Animated O reveals dancers in front of a Line 1 station	Upbeat music
0:01	A customer enters the scene walking toward the fare gates; the dancers hold up oversized credit cards and mobile wallets and direct him toward the fare gates	Have you heard the news?
0:02	The customer walks toward the fare gates with the dancers in the background	Now you can tap your credit card or debit card
0:04	Close up of customer tapping their mobile wallet on fare gate	and mobile wallet to pay for a ride on OC Transpo. Electronic Beep
0:06	Customer passes through gates
0:08	Customer walks through station followed by dancers with oversize credit cards and mobile wallets	Just tap for one Adult fare
0:11	Dancers outside bus spin and tap oversized credit cards and mobile wallets on side of bus	on all O-Train fare gates, and on all buses!
0:15	Customer enters bus, taps credit card on reader	Tap and ride all day and it will never cost you more than the price of a DayPass. Electronic Beep
0:21	Customer proceeds down stairs in Line 1 station; dancers follow with oversized credit cards and mobile wallet	Tap and ride every day
0:22	Overhead view of dancers holding oversized credit cards and mobile wallets over their heads then all tapping their cards/wallets toward the centre	and will never cost you more than an Adult monthly pass.
0:24	Overhead view of dancers running in a circle with oversized credit cards and mobile wallets over their heads, then exiting off camera	O-Payment from OC Transpo...
0:25	Animated circle appears where dancers were,	Tap and ride.
0:27	Animated circle resolves into O-Payment logo which animates to reveal the O-Payment, OC Transpo, VISA and Mastercard logos	Electronic Beep
0:30		Music ends

O-Payment accepts

Debit card (Interac®)
Credit card (Visa, Mastercard)
Mobile wallets (Google or Apple Pay)

O-Payment DOESN’T accept

American Express
Prepaid credit card
Gift card (Visa, Mastercard)

O-Payment prices

Eligible for a fare discount? Use a PRESTO card for discounts like Senior, Pre-teen or EquiPass.

Find out about fare discounts

O-Payment charges an Adult fare and it won't cost you more than a one-day DayPass or a monthly pass.

Single-ride

O-Payment costs $4.10. It won’t charge you again if you use the same card or mobile wallet to transfer between buses or trains within the transfer window.

One-day DayPass

Once you reach the cost of the one-day DayPass ($12.25), you won’t be charged any more fees for the rest of the day.

Monthly pass

Once you reach the cost of the Adult monthly pass ($138.50), you won’t be charged any more fees for the rest of the month.

TAP TIP

Always use the same card or mobile wallet

Use the same card or mobile wallet to avoid extra charges during transfers or for DayPass / monthly pass limits.

Avoid tapping your wallet

Avoid accidental charges by only tapping the card you want to pay with, not your wallet.

Physical cards in mobile wallets

If you have a physical card and also have it stored in a mobile wallet, they are treated as separate cards.

O-Payment charges at the end of the day

Fares are added at the end of each day and charges will appear on your card overnight, not immediately.

Why use O‑Payment?

Still unsure about using O-Payment? Check out the reasons why it could (or couldn't) be a great fit for you.

What it offers

You don’t have to carry paper transfers (no paper receipts are issued).
You don’t need to buy, load, or carry an additional card.
It won’t cost more than a one-day DayPass or a monthly pass.
It’s flexible: You can transfer between buses, O-Trains, and Para Transpo.
It’s safe: The system is fully encrypted and is compliant with Payment Card Industry Data Security Standard.
It’s contactless: simply tap and ride.
You can easily check your transactions and download your receipts online.

What it DOESN’T offer

O-Payment can only charge one person at a time. If you need to pay for someone else, have another card or payment method ready.
O-Payment doesn’t offer fare discounts. If you are eligible for any reduced fares, Presto is still your best option.
O-Payment isn’t available on STO. If you regularly transfer between OC Transpo and STO, Presto is still your best option.
O-Payment isn’t available in Para Transpo's rural fare zone.

O-Payment account

With an O-Payment account, you can register your cards or mobile wallets, track your trips, payments, and download receipts.

Sign in or register a new card

1 Pay with O-Payment

Before you can register, complete a trip on OC Transpo using your debit card, credit card, or mobile wallet.

Within a day or two, you will receive a payment charge related to your trip. This will include a Service Reference Identification (SRID), which looks like this:

Credit statement

You will see OCT* followed by the SRID, a combination of 13 or 14 letters and numbers.

Example: OCT*NZJR159O4Z12X3

Debit statement

You will not see OCT. Depending on the bank you use, you may or may not see an asterisk, but there will be the SRID's combination of 13 or 14 letters and numbers.

Example: *NZJR159O4Z12X3 or NZJR159O4Z12X3

You’ll need your SRID code to register an account or when you want to add a new card to your existing account.

2 Click on ‘Register’

Go to the O-Payment website and click on ‘Register’.

Click the image above for a closer look

3 Fill in all the requested information

Your email address
A nickname for your card
The SRID code you got from your bank statement (enter it in uppercase letters only)
The amount paid for the fare

Registering an account — *Click the image above for a closer look*

4 Terms and conditions

Read and agree with the terms and conditions.

5 Click the “Create” button

Once you click on "Create," you will receive an email that will walk you through creating a password.

Don't want to make an account?

No problem. If you only need a receipt, you can download it without registering. Just click "Download Receipt" right next to "Register," enter the SRID code from your bank statement, and get your PDF receipt.

For a more accessible receipt, please call 613-560-5000.

Using your O-Payment account

Once you're signed in, you'll be able to access the Customer area, where you can access your registered cards or your account information.

Easily switch between English and French using the "EN" and "FR" buttons in the top menu.

Image of the O-payment customer area account — *Click the image above for a closer look*

In your Cards section, every card you have added to your account will be listed as blue cards.

image of listed cards in your O-Payment account — *Click the image above for a closer look*

In Your account section, you can easily edit your name or change your password.

Image of your account area — *Click the image above for a closer look*

When you click on any registered card, you can:

Check your card information.
Review payment or trip details: routes taken, fare paid for each route and date/time.
Review additional details by clicking on the payment or trip arrow on the right side.
Download a receipt under each payment section.
Filter your trips or payments from a certain date to the present.
Unlink your cards by clicking the red button in the bottom left.

Image of card details account — *Click the image above for a closer look*

Image of trip details — *Click the image above for a closer look*

Image of payment details — *Click the image above for a closer look*

Add a new card

You must pay with the new card before registering it.
With the SRID code in hand, click on the blue card with the plus sign.
Enter a nickname you wish to assign to this card, the SRID code, the amount paid, and then click "Add."

Adding a new card — *Click the image above for a closer look*

Linking different cards or mobile wallets

When you link different cards or a mobile wallet to the same account, they will still be considered separate cards for charging.

Card declined

If your card is declined at the fare reader, it may be due to an unpaid balance. O-Payment will try to collect the fare, but if it’s still declined after 5-10 seconds, you can:

Check the Debt Status: Go to the O-Payment website, click on “Manage Cards,” and select the declined card. If there’s a debt, it will show as a red box.
Clear the Debt: Click “Request Pay Debt” to pay the balance.

Image of declined card — *Click the image above for a closer look*

More information

Some banks have set up their own FAQs to explain how transit charges are collected on debit cards, such as RBC Royal Bank.

If you have more questions about your debit card or how charges are applied, contact your bank directly.