Systems and methods for passively processing a payment for an activity that leverages location data of a user participating in the activity. User data is received, the user data including a plurality of user location points and a time associated with each of the plurality of user location points. An activity is determined, the activity associated with the user based on the user data, wherein the activity is associated with at least one of transportation and attendance at a venue. An instance of the activity is identified and a payment amount for the user is processed based on the instance of the activity.