London transport payments: How to pay for Tube, buses, and trains in the city

When you ride the Tube, bus, or DLR in London, you’re using the London transport payments, the system that lets you pay for travel across the city’s public transit network. Also known as TfL fare system, it’s built to be simple—whether you use a card, phone, or Oyster card. But it’s not just about tapping in and out. Knowing how it works saves you money, stops overcharges, and keeps your trips smooth.

You’ve got three main ways to pay: Oyster card, a reusable plastic card you top up with credit or weekly passes. Also known as TfL Oyster, it’s still the go-to for many locals and long-term visitors. Then there’s contactless payment, using your debit or credit card, or phone wallet like Apple Pay or Google Pay. Also known as contactless travel, it works just like tapping an Oyster card—but without needing to buy or recharge anything. And if you’re only in town for a day or two, you can buy a one-day Travelcard at stations, though it’s rarely the cheapest option.

Here’s the thing: contactless and Oyster cards cap your daily spending. If you hit the price of a Day Travelcard after five or six trips, you won’t pay more that day. That’s automatic. No need to guess. But if you use a paper ticket or forget to tap out, you’ll get charged the maximum fare—sometimes over £9 for a single journey. That’s why people get refunds. TfL refund, the process to get money back when you’ve been overcharged or your journey was delayed. Also known as London transport refund, it’s easy to claim online if you’ve got your payment history. You don’t need to be a tourist to need it. Even regular commuters miss taps, get detours, or face delays.

It’s not just about the tech—it’s about knowing where it applies. The same payment system works on the Tube, Overground, DLR, Elizabeth line, buses, trams, and even some river services. But it doesn’t work on Heathrow Express or private shuttles. And if you’re under 18, over 60, or have a disability, you might qualify for discounts or free travel. The system adapts to you—if you know how to ask.

People talk about London transport payments like it’s complicated. But it’s not. It’s just different from other cities. You don’t buy tickets for each ride. You pay per journey, but with caps. You don’t need to plan ahead. You just tap and go. And if something goes wrong? You can fix it. No need to stand in line. No need to panic. The system lets you reclaim what you paid by accident.

Below, you’ll find real guides on how to claim a refund, how to use contactless without overpaying, how the DLR fits in, and what accessibility options exist for people who need extra help. No fluff. No theory. Just what works for people who use this system every day.