this post was submitted on 13 Mar 2026
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Mobile tickets just create a virtual Myki, so it's identical.
Contactless payments (e.g. credit and bank cards) should work the same way as TfL (and much of the rest of the world). The payment card card has no ability to store trip information, so instead the ticket system records your tap on/off events. At some predetermined frequency (usually overnight), it will then calculate the appropriate fares to charge.
Probably due to practicality reasons, the portable ticket inspection devices usually don't have live access to the data. Instead, they just record that your card was inspected, and if the overnight processing determines you didn't touch on, it flags you for fare evasion and bills the card the fine.
Contactless Questions | StationMasterApp - https://www.stationmasterapp.com/blog/2014/07/contactless-questions/