We hope you will find the answers to all your questions about the PATCO Open Payment System and the PATCO Wave & Pay ANYWHERE Visa® Prepaid Card here. Click on the question you need an answer to below.

PATCO Open Payment Program Overview

What is the PATCO Open Payment System?

PATCO is working with Cubic Transportation Systems, the supplier of its FREEDOM Card system, to test ”open payment,” which is the ability for riders to pay for transit fares and retail purchases with a single card.    


Why is it called “open payment”?

It refers to the ability to pay for goods and services without being restricted to a single merchant. A ”closed” payment system limits where you can make purchases. For instance, the FREEDOM Card is a closed payment system because money loaded onto your FREEDOM Card can only be used for transit purchases.


Can I use any bank card in the open payment system?

During Phase One, only the PATCO Wave & Pay ANYWHERE Visa Prepaid Card and any other Visa contactless payment card could be used to pay for PATCO rides and parking fees.  Now, in Phase Two, PATCO customer can use a plastic contactless Visa, MasterCard, or Discover card, or a virtual card in a mobile wallet, to make secure transit payments at PATCO gates and parking terminals.


Can I continue to use my FREEDOM Card?

Yes, FREEDOM Cards will not be affected by the PATCO Open Payment System. 


How long will the PATCO Open Payment System last?

It is scheduled to run from September 26, 2011, until September 26, 2012.


Will my PATCO fare go up because of the Open Payment System?

No. Cubic is paying for the necessary upgrades to PATCO gates and its computer operating system.


PATCO Wave & Pay ANYWHERE Card Questions

Card Description

What is a PATCO Wave & Pay ANYWHERE Card?


How does my PATCO Wave & Pay ANYWHERE Card work?


Is my PATCO Wave & Pay ANYWHERE Card safe?


Getting Started

How do I get a PATCO Wave & Pay ANYWHERE Card?


Do I need to activate my PATCO Wave & Pay ANYWHERE Card?


Why should I register my PATCO Wave & Pay ANYWHERE Card?


PATCO Wave & Pay ANYWHERE Card Fees

What fees does the PATCO Wave & Pay ANYWHERE Card have?


How to Use My PATCO Wave & Pay ANYWHERE Card

How do I make a purchase with my PATCO Wave & Pay ANYWHERE Card?


Can I pay bills with my PATCO Wave & Pay ANYWHERE Card?


Where can I pay with Visa payWave contactless technology?


Is there a limit to the amount of money I can add to my PATCO Wave & Pay ANYWHERE Card?


Is there a limit to the amount of money I can spend with my PATCO Wave & Pay ANYWHERE Card?


When will my PATCO Wave & Pay ANYWHERE Card expire?


How should I properly handle my PATCO Wave & Pay ANYWHERE Card?


How to Manage My PATCO Wave & Pay ANYWHERE Card

How do I access my retail balance and transaction history?


How do I reload my PATCO Wave & Pay ANYWHERE Card?


What can I do on my PATCO Wave & Pay ANYWHERE online account?


How do I a dispute PATCO Wave & Pay ANYWHERE Card charge?


Lost, Stolen or Replacement PATCO Wave & Pay ANYWHERE Cards

What if I lose my PATCO Wave & Pay ANYWHERE Card?


Joint Accounts

Can my friend or family members use my PATCO Wave & Pay ANYWHERE Card?


How do I set up a Joint Account for my PATCO Wave & Pay ANYWHERE Card?


Direct Deposit

Why should I set up Direct Deposit?


How do I sign up for Direct Deposit?


PATCO & Transit Benefits

How do I load Transit Benefits?


How do I check my Transit Benefits balances and PATCO transaction history?


Can I apply Transit Benefits to my PATCO Wave & Pay ANYWHERE Card?


Can I apply Reduced Fare Program (RFP) rates to my PATCO Wave & Pay ANYWHERE Card?


When traveling on PATCO with family/friends, can they use my PATCO Wave & Pay ANYWHERE Card?


Can I have more than one PATCO Wave & Pay ANYWHERE Card?


Can I buy SEPTA Transfers with my PATCO Wave & Pay ANYWHERE Card?


How do I use my card at PATCO gates?


How do I use my PATCO Wave & Pay ANYWHERE Card in PATCO parking lots?


Can I use my PATCO Wave & Pay ANYWHERE Card to get Freedom-to-Save discounts?