Contactless and Transport for London (TFL)

You can use your WeSwap card’s contactless feature for  Transport For London (TFL) but, as it’s a prepaid card, it behaves slightly differently to regular debit and credit cards.

When tapping your card at the beginning of your tube journey, we block £0.10. This is what’s known as a “pre-authorisation” and will show up as  “TFL authorisation” on your spending history

As the payment amount depends on how far you travel, when you first tap your card, TFL authorises your payment by charging you the pre-authorisation amount. This amount will be released back on to your WeSwap card when TFL charges you the full amount for your journey.

This means that you’ll need to have enough funds on your WeSwap card to cover your travel fare plus the £0.10 pre-authorisation.

Pending transactions could show on your statement for up to two weeks. The £0.10 won’t be not charged and will disappear once the correct daily travel charge has been settled.

Please note, TFL are increasing the number of uniformed and plain clothes officers across the network to try and stop fare dodgers. However, the ticket inspectors cannot currently read WeSwap or any prepaid cards using their existing readers. This is a known issue with prepaid cards. If you have any issues, please contact our support team.

When using your WeSwap contactless card on the bus instead, you will be charged for your journey only when we receive the settlement of the transaction. This means that you should see only one transaction 24-72 hours after your journey, and not the £0.10 pre-authorisation charge. So in this case, make sure you have enough funds to cover your bus journey before it starts.

When you use your WeSwap card as your TFL payment method, you need to touch in at the start and touch out at the end of all Tube, DLR, London Overground, TFL Rail, Thames Clippers River Bus services and National Rail journeys. If you don't, TFL won't know where you've travelled and can't charge the right fare for your journey. This is called an “incomplete journey” and you could be charged a maximum fare. If you don't touch in at the start of a journey, you're also liable to pay a Penalty fare or you could be prosecuted.

Plus, if you forget to tap out with any other contactless card that's not an Oyster card, you won't be able to apply for a refund if you are charged a maximum fare.

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