The limited adoption of stored value cards may largely be attributed to budget constraints—with a large population of train-riders being daily wage earners—and a perceived lack of need for a stored value card. Currently, reloadable beep cards are available at off-rail partners such as select bus terminals, convenience stores, and retail establishments which sell these interoperable cards starting at P 130. At present, more than 50 percent of commuters who ride any of the light railways LRT1, LRT2, and MRT3 use beep. This is in contrast to those who buy a Single Journey Ticket each time they travel, which contributes to the congestion at the stations.

To make it accessible to more customers, AF Payments has been periodically providing free co-branded beep cards, which are specially designed limited edition cards created in partnership with brands and advertisers. Commuters looking to save on card fees must constantly watch out for such releases, which are often distributed in high foot traffic areas and owned sites of the featured brand.

At LRT1 and LRT2, passengers using beep cards pay discounted fares, a special incentive given by the PTOs to encourage passengers to use stored value cards. Meanwhile, deal-hunters looking to further get discounts on their fare can maximize the newly relaunched beep Rewards program wherein every P 200 spend earns points that can be exchanged for P 10 load. For regular commuters, this is effectively a 5 percent outright discount.

Moreover, senior citizens and persons with disability can readily claim their 20 percent fare discount by using a concessionary card applied for at any LRT1, LRT2, and MRT3 station. Students gearing up to go back to face-to-face classes may also register for Student Discount Cards, or schools can proactively partner with the company to integrate beep functionality into ID cards.