Rail Prices: Contactless Payments

Rebecca Paul Excerpts

Wednesday 15th April 2026 Westminster Hall

[Rebecca Paul (Reigate) (Con)]

I beg to move,

That this House has considered the impact of contactless roll out at railway stations on ticket prices.

It is an honour to serve under your chairmanship, Dr Allin-Khan. I appreciate the Minister’s attendance, and I am grateful for the opportunity to raise an issue that is important to my constituents who rely on the rail network.

I welcome the move to contactless payments at railway stations. It is a transformational innovation that makes travel much quicker and easier. It allows those of us who like to cut it fine to just tap in without having to queue for a ticket or hurriedly navigate the ticket machine. The Government’s case for the roll-out is that it should make rail travel more convenient, accessible and flexible, and I agree that those are the right ambitions.

Reigate station was one of the stations brought into the latest expansion of contactless in December 2025. This was part of a wider scheme to roll out contactless ticketing across the south-east of England. Stations in neighbouring constituencies, such as Dorking, Leatherhead and Ashtead, were also included. The concern I want to put to the Minister is that, for my constituents, this roll-out has introduced not simply a new way for people to pay but a change in what they pay, when they can travel, which discounts they can access and whether long-established local arrangements still apply.

[Jim Shannon (Strangford) (DUP)]

I commend the hon. Lady for introducing this debate on an incredibly important issue. Does she not agree that contactless roll-out may be beneficial for some, but for others, the higher prices, restricted off-peak hours and complex new ticketing structures will be incredible off-putting, and that there must be a return to the customer-first policy across our public rail network throughout the United Kingdom?

[Rebecca Paul]

It is like the hon. Gentleman has read my mind—or even my speech. I completely agree with his point, and I will go into a number of those issues in some detail.

[Monica Harding (Esher and Walton) (LD)]

This is such an important debate. My constituency is the single biggest contributor to the Exchequer of any constituency outside London, yet we were completely missed out from the tap in, tap out roll-out. I wrote to the Minister to ask why, and he did not tell me when we would be included. On behalf of my constituents who are working really hard for that elusive growth, I ask the Minister when that might happen.

[Rebecca Paul]

I hope the hon. Lady gets an answer to her question.

On paper, contactless was presented to my constituents as a simple upgrade to how they pay. In practice, it is much more than that. I am not at all suggesting that operators have actively set out to conceal their price rises, but it is fair to say that they were not as clear, prominent or energetic as they should or could have been in explaining the full practical implications for passengers. Indeed, the changes were snuck through without any proper consultation or targeted communication. That is particularly galling since the Government are freezing rail fares across the country to ease cost of living pressures. Why do my constituents who rely on Reigate station not deserve the same?

Contactless was presented to people simply as a way of making payments easier, so many passengers, understandably, assumed that they would not have to pay more or change the time they travelled. Clearly, that has not happened at stations like Reigate. One very brief example will illustrate the point: the first off-peak train of the day is now nearly an hour later than before. That is a ticket price hike by stealth. For many years, Reigate passengers had a settled and well-understood expectation about which morning train to London marked the start of off-peak travel. That was an important part of how they planned their day, especially those travelling into London for leisure, appointments or family trips rather than for the traditional commuting pattern.

Under the new structure, because peak now runs until 9.30 am, and because Reigate’s train pattern does not line up neatly with that cut-off, the practical effect has been to push the first off-peak option later. In other words, a journey that many local passengers had long understood to be available on an off-peak basis is no longer available on the same terms. Some must now travel later, otherwise they must pay more. In that case, the roll-out of contactless has had a measurable negative impact on how some of my constituents travel by rail.

Of course, it is important to acknowledge that not every fare has increased and not every passenger has found themselves losing out. Southern notes that for many people, the contactless fare will be the same as that of a ticket bought on the day, and the whole premise of the system is that, for many passengers making simple journeys, contactless will be convenient and, in some cases, better value.

That, however, is only one part of the picture. The people who are most exposed to the downsides of this transition are the people least placed to absorb them. Currently, existing discounts cannot be applied to pay-as-you-go contactless, and if someone has a railcard or is eligible for other discounts, including a child discount, it may be cheaper to buy a conventional ticket rather than use the contactless system. That means that often the most affected passengers are families, older people, veterans and others whose journeys may amount to something more than the default model of a full-fare adult simply tapping in and tapping out.

[Blake Stephenson (Mid Bedfordshire) (Con)]

I thank my hon. Friend for securing this very important debate. There are issues with people who rely on super off-peak tickets, particularly at the weekends. Contactless has been introduced to Harlington in Mid Bedfordshire. It is valuable for commuters, but there are families who rely on the super off-peak fares, particularly at the weekends, who are now paying more for their travel at a time when they are hearing from the Government that rail fares are being frozen. Does my hon. Friend agree that it would be helpful for the Government to reconsider the technology that they are using to allow more flexibility in ticketing through the contactless system?

[Rebecca Paul]

I agree, and I will come on to that, but I am concerned that there is some rigidity in the roll-out. I expect that part of the challenge will be making adjustments to reflect what is required locally but, as my hon. Friend rightly says, the super off-peak impact is detrimental to many constituents, so I thank him for raising that.

One of the strongest examples that has been raised with me several times is the family day out. A family in Reigate taking children into London for museums, sightseeing or simply a day in the capital may now find that the day is squeezed at both ends. Outward travel on the old familiar basis is no longer available at the same time in the morning, while return travel is also shaped by the new peak restrictions in the evening. Ministers often speak, rightly, about encouraging leisure travel, public transport use and access to our capital’s cultural institutions, but if a system makes that kind of family journey harder to plan, less flexible or more expensive, something has gone wrong.

There is also a fairness issue between neighbouring stations. My constituents look at nearby stations where these issues have not arisen and ask a simple question: “Why are we being treated differently?”

[Mr Will Forster (Woking) (LD)]

I agree that we need to avoid extra charges and make train fares cheaper. The hon. Lady talked about neighbouring constituencies. Despite Woking being the busiest station in Surrey, we do not have tap in, tap out, which means that hundreds of people a year tap in at Waterloo and, unreasonably, are not able to tap out at Woking, resulting in extra charges. Does she agree that the Government should introduce tap in, tap out fairly to Woking and other areas of Surrey?

[Rebecca Paul]

I agree that we should look to roll out contactless to stations that do not have it, but I hope that the issues I am raising about pricing are taken into account. I hope it is useful for the hon. Gentleman to see the impact that the roll-out is having in Reigate. It would be good if we could iron out the difficulties before it is further expanded. We very much welcomed contactless and were excited to get it, but we did not anticipate the stealth price hikes and their impact. It was something that I really wanted to celebrate locally, but all of a sudden there were these downsides that we had not planned for because they had not been communicated properly. I hope it is helpful for the hon. Gentleman to learn from what has happened in Reigate, and hopefully the Minister will take that on board before rolling out contactless to other stations in Surrey.

Sitting on top of all this, there is an unfortunate layer of confusion. I agree with the Government in their diagnosis that rail fares are too complex and that simplification is necessary. On one level, that is plainly true, so surely they did not intend that the contactless roll-out would leave informed local rail users having to spend time and energy working through the interplay between contactless singles, paper returns, travelcards, caps, discounts, peak times and station-specific exceptions. We have to ask ourselves whether the new system is actually simpler from the passenger’s point of view. Contactless undeniably offers much convenience, but I am concerned that it is not offering clarity or value for money for all.

I gently say to the Minister that this roll-out appears to have been a rigid programme. The correspondence I have seen suggests that operators had only limited room to preserve sensible local arrangements, even where a clear passenger need has been identified. If that is correct, the Department should reflect on whether the roll-out has been too inflexible. National consistency has its place, but so does common sense. We were just discussing the broader roll-out in Surrey, which I hope we will see; there is lots that can be learned and improved on so that other areas in Surrey do not suffer the same surprise and detrimental impact as we have in Reigate.

I would like to ask the Minister four things. First, what can be done for specific cases like Reigate where contactless has caused unexpected problems? Will he step in to help work towards restoring the long-standing off-peak position for the first morning journey, so that passengers are not simply forced on to a later train or a higher fare? Secondly, will the Minister review the impact of the contactless roll-out on passengers who depend on discounts, particularly railcard users and families travelling with children? It is difficult to argue that a system is fully fit for purpose when important categories of passenger are told that the purported benefit does not properly work for them.

Thirdly, can the Department for Transport look into anomalies between geographically neighbouring stations and whether these are forcing passengers to alter their behaviour, including using cars to drive to a further away station to secure a better deal? We are seeing people drive to Redhill rather than get the train from Reigate, which they live closer to.

Finally, will the Minister ensure that when these changes are rolled out in future, passengers get genuinely clear, station-specific guidance explaining what has changed, who benefits from contactless, who may be better off sticking with conventional tickets and how any new restrictions operate in practice? My constituents have very much regretted not having access to that information.

As I hope I have made clear, I support simpler ticketing, modernisation and making rail travel more attractive. Contactless is a gateway to all that, but it must work for all passengers. Regrettably, at the moment we have a system that is leaving a sizeable minority disadvantaged and paying more for less flexibility than they enjoyed before. I hope the Minister will engage with these points in the practical and constructive spirit in which I have made them, and I would be delighted to work with him on finding workable solutions and taking the learnings for roll-out to other stations. Overall, it is a great thing: I very much welcome contactless coming to Reigate, but it would be really good if we could iron out some of the difficulties with ticket pricing.