When you use a tap-to-pay card to enter the subway, what happens?<p>There’s some kind of communication over NFC, but after that, how does the OMNY system talk to e.g. the Visa network? Different methods have different speeds; tap-to-pay on my Chase credit card is much slower than apple pay on my phone using the apple card.<p>The wikipedia articles on both don’t describe how they’re implemented and a cursory search didn’t turn up a blog post.