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The issue with Avanti may be that eventually they will run through many different areas of contactless acceptance (London and the South East, West Midlands, Greater Manchester and possibly Liverpool) as well as TfW
Fares for West Midlands PAYG are now visible at BRfares.com
For example between Dorridge and Four Oaks the off peak fare is £4.80 and the peak fare is £6.50
https://www.brfares.com/!faredetail?orig=DDG&dest=FOK&expert=on&flow=0&multi=0&fare=8&rte=268&tkt=PSO&period=20260901
Non-GTR stations with ITSO readers include some Greater Anglia TVMs at Liverpool Street, the EMR TVMs at St Pancras, the Chiltern TVMs at Marylebone and some GWR TVMs at Padddington.
GWR trains from Paddington to Swansea would be covered by three schemes with different readers: TfL EMV (London - Reading), GWR Bristol (Swindon - Bristol Parkway) and TfW EMV ( Newport - Bridgend)
Chester is also covered by the proposed TfW North Wales scheme (for stations between Rhyl and Gobowen). It will be interesting to see if the two schemes are at all integrated.
Howver the physical card can be viewed straight away on either the app or website when added. Wallet usage is only viewable when the back office association between the physical card account number and wallet virtual account number has been completed by TfL.