Transaction processing costs in electronic toll collection can be a significant component of an Issuer’s operating costs. To minimize this cost, Issuers often aggregate groups of transactions from Service Providers into a single transaction that is sent to the Fiduciary. This lowers the transaction cost by splitting the credit card transaction fee across a number of transactions. For example, a Customer Service Center (CSC) may collect all transactions for a period of time, and Aggregate those transactions into a single credit card charge to the User’s card account. As a result the Authority pays only a single transaction fee.