Looking at a charge with a label like “MTA NYCT PAYGO” you may only understand just the middle part of it. Yes, that NYCT part stands for New York City, but that doesn’t explain anything about this charge. Like what is it all about, why is it there on your credit card bill or bank statement, and things like that? Correct?
First of all, if you’re thinking that this is some fishy or scam charge, then don’t think that way. Why? Well, that’s just because it is a legit charge. You see, it is actually related to the subway or bus rides that you take down there in New York City. How are we so certain? Well, we’ll explain everything, just keep on reading.
First of all, just get to know what each part in this charge label even means. Here:
- MTA: You see that first part in this charge? Well, that’s just short for Metropolitan Transportation Authority.
- NYCT: Although, we already told you what it is, but still, it is actually short for New York City.
- PAYGO: What’s this now? Oh, well it is just another short form, and this time it is a kinda fancy way of saying Pay As You Go, that’s all!
Do you know something called OMNY? Well, for those who have no idea about it all, just know that it is actually a payment system for the New York City subway rides, and this is the one where you tap your credit card before taking a ride in New York City, especially in subways.
How OMNY Makes Paying Insanely Easy
When MTA introduced this OMNY thing, it simply made things super easy, especially the payment handling part. Down there in New York City, whenever you take a ride, like a bus ride or a subway ride, and you tap your credit card on the entrance, it is actually OMNY that charges your credit card and processes the payment. As of 2025, this is how things work and you’re charged about $2.75 for a ride.
What’s the Deal with Those ‘RECOVER’ Charges?
See, sometimes it happens that a lot of people see one other part in their charge label, and that’s why it looks a bit like “MTA NYCT PAYGO RECOVER.” So, what’s this now? Well, first of all, do not panic, it is all normal. You see, have you experienced that sometimes when you tap your card at the entrance of the metro station, nothing happens? Yes, the processing is showing on the device, but nothing actually happens at that time. Your card isn’t charged and you get to take a ride thinking it is just free. But now, the OMNY system sometimes catches up later, and that’s why you see the charge with that “RECOVER” tag in the end. So that’s that!
Though, you see, it could be that you’re seeing this charge on your credit card statement over and over again, but the thing is, you don’t remember taking a subway that month. What then? Well, in this very case, it is highly likely that somebody else has access to your credit card. So? Just go ahead and give your bank people or credit card company a call and let them work with it.
Also Appears on Statements As
| 1 | CHECKCARD MTA*NYCT PAYGO |
| 2 | CHKCARD MTA*NYCT PAYGO |
| 3 | CHKCARDMTA*NYCT PAYGO |
| 4 | Misc. Debit MTA*NYCT PAYGO |
| 5 | PENDING MTA*NYCT PAYGO |
| 6 | POS Debit MTA*NYCT PAYGO |
| 7 | POS PUR MTA*NYCT PAYGO |
| 8 | POS PURCH MTA*NYCT PAYGO |
| 9 | POS PURCHASE MTA*NYCT PAYGO |
| 10 | POS REFUND MTA*NYCT PAYGO |
| 11 | PRE-AUTH MTA*NYCT PAYGO |
| 12 | Visa Check Card MTA*NYCT PAYGO MC |
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Looking for other unknown charges? See our full list here: Unknown Bank Charges List.
