What is AFC 2.0?

The MBTA’s new fare payment system, Automated Fare Collection 2.0 (or AFC 2.0), will make paying for and using transit in Massachusetts easier and more convenient.

Why We Need a New System

Our current fare payment system, AFC 1, is outdated. With AFC 2.0, we’re completely replacing the system in order to:

  • Improve the customer experience

  • Ensure equal access

  • Upgrade outdated hardware and software

  • Improve revenue control

  • Operate buses and trains more efficiently

  • Support future MBTA changes and growth

How We’re Changing Fare Payments

When we roll out the new system, you’ll be able to:

Pay your fare faster with:

  • New Charlie Cards

  • A smartphone app

  • Contactless credit and debit card payment options

  • Digital fare readers at all vehicle doors for faster boarding

Easily load your Charlie Card:

  • At more fare vending machines in more locations

  • At retailers near where you live and travel

  • Online

  • Over the phone

  • Through your employer or school

How Your Trips on the T Will Change

Our current fare system has been in place for over 10 years, so these changes will feel strange at first—but you’ll have plenty of time to get used to them. When we’re ready to move over to the new system, we’ll ask you to:

  • Choose a new payment method for your trips

  • Buy a new Charlie Card, if that’s how you prefer to pay your fare

  • Sign up for a new online account so we can customize your Charlie experience

If you normally pay your fare in cash on board buses and Green Line trolleys, you’ll need to load your account with cash value or a pass before you board. We’re installing fare readers at every door on these vehicles, to speed boarding and reduce lines at the front door.

We still need to make sure everyone’s paid their fare, so there’s a chance that sometimes we’ll ask you to show your Charlie Card as proof of payment during your trip.

How This Improves the T Overall

Our new fare system will get you moving faster. It’ll also get our vehicles moving faster (by up to 10% according to some estimates). But it’s just one piece of the puzzle—we’re implementing this new fare payment system alongside other long-term improvement projects like new vehicles, upgraded stations, and weather resiliency programs.