Please can you confirm that our understanding of your feedback, as set out below, is correct. If our wallet app is in the foreground at the time that the device is presented to the transit terminal, then our app can control the HCE payment. Express mode will not be invoked even if it is enabled on the device. If our wallet app is not in the foreground and the transit terminal makes an express mode request, and the device has the express mode feature enabled this will always be the default payment method.