In most cases, refunds related to contactless transit payments may be processed by the transit authority without needing to be physically present. The transit authority may provide a Merchant Transaction Reference (MTR) value in payment transactions forwarded to the bank. If so, the transit authority may require that you provide the MTR value to help look up the original transaction associated with the refund being sought. Where supported by the transit authority, the MTR value will be located following an abbreviated transit authority name and possibly a separator character in the transaction description area of the transit transaction posted to the bank account statement. It may be useful to have your recent financial institution account statement handy when you contact the transit authority to lookup a recent transaction and/or to request a refund.