Seeing a NYCT PAYGO charge on your statement?
Common ways NYCT PAYGO charges might appear on your statement
- NYCT PAYGO
- NYCTPAYGO
- MTA NYCT PAYGO
- NY CT PAYGO
- NYCMTAPAYGO
- NYC PAYGO
- MTA NYCT PAYGO PURCHASE
- NYCT PAYGO TOP-UP
What is NYCT PAYGO?
NYCT PAYGO (Pay-As-You-Go) is a payment option for the New York City Transit (MTA) system that lets riders load value onto a digital fare account to pay for subways and buses. The “PAYGO” system charges riders per ride rather than relying solely on stored monthly passes. It is integrated into the MTA’s OMNY / digital fare infrastructure. Learn more at mta.info.
Common causes for NYCT PAYGO charges
- Topping up your digital fare account to add value for transit use.
- Paying for an individual subway or bus ride using PAYGO credit.
- Monthly fare capping that converts accumulated ride cost into a charge.
- Transfers between buses/subway lines where additional charge is applied.
- Refunds or adjustments when an invalid fare or error in charge occurred.
Decoding NYCT PAYGO charge tags
- NYCT / NYCTPAYGO identify the merchant as New York City Transit under MTA.
- PAYGO refers to the “pay-as-you-go” fare method used in the system.
- MTA NYCT PAYGO PURCHASE indicates that the transaction is a fare purchase.
- TOP-UP is used when loading funds into the digital account.
- NYCT PAYGO / NYCMTAPAYGO are alternative truncations of the same merchant descriptor.
