What is the principle behind fare deductions when using a bank card for Metro rides? Why did I receive a NT$1 transaction notification?
VISA cards: When you enter the Metro gate, the system performs a NT$0 pre-authorization (once per card per day). The total fare for all trips taken that day will be aggregated, settled, and billed at 02:00 (a.m.) the following day. Your issuing bank will send a transaction notification based on your notification settings for the actual billed amount. Example: If a passenger uses a Taishin Bank VISA card to take the Taipei Metro on January 5, 2026, making four trips at NT$20 each (total NT$80), Taishin Bank will process the settlement with Taipei Metro at 02:00 (a.m.) on January 6, 2026, and send a transaction notification for NT$80 according to the cardholder’s settings. Mastercard and JCB cards: When you enter the Metro gate, the system performs a NT$1 pre-authorization (once per card per day). Your issuing bank will send a transaction notification for this NT$1 pre-authorization based on your notification settings. The total fare for all trips taken that day will be aggregated, settled, and billed at 02:00 (a.m.) the following day; no additional transaction notification will be sent for the actual total fare. Example: If a passenger uses a Taishin Bank Mastercard or JCB card to take the Taipei Metro on January 5, 2026, making four trips at NT$20 each (total NT$80), Taishin Bank will process the settlement at 02:00 (a.m.) on January 6, 2026. However, no separate transaction notification will be sent for the NT$80 fare.

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