There are now 11 transport card companies (including KSCC), operating in different cities and provinces through direct service contracts with subnational authorities. Beyond these conventional pre-paid sendees, ten commercial banks nationwide also topped their own credit or debit cards with a public transport card function, with deferred payment. Transfer discounts are applicable for up to 4 times a day, within a transfer time limit of 30 minutes (up to 1 hour from 9 pm to 7 am the next day). The user simply needs to tap his device on the sensors as he/she gets off the bus or exits the subway.