Contactless - not always the cheapest
https://www.railfuture.org.uk/display4218 - Railfuture press release
Offering the option for contactless payment for rail travel is a good thing – convenient and simple. But it currently comes with a number of stings in the tail, so if a traveller wants to pay the lowest price for their travel, contactless payment often doesn’t deliver the best price
"Never have a simple system if you can have a complicated one"?? ... finding the lowest cost fare for your journey looks like it's going to be a topic that keeps on running ...
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