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That also happens with Clipper Card in the Bay Area. Happened to me a couple of weeks ago on BART. I wonder if all transit cards need to be loaded with money when used on iPhone. I remember having a Clipper Card with autoload and that would work just fine without balance.

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You might be right. I like how NYC is set up with just tap to pay with your wallet app without needing to unlock or anything.

Yeah, I particularly like London’s implementation (I moved away just short of a decade ago - might have changed since) where if you just use the same card you don’t need a pass because there are daily/weekly/monthly maximums and you travel for free afterwards. Very good system. But it is slower that Suica/Pasmo.

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