The most common and most likely answer to this crossword clue is the 10 plus 4 letter word RESTAURANT CARS
I've seen this crossword clue in The Sunday Telegraph
R
E
S
T
A
U
R
A
N
T
C
A
R
S
Buddy explains!
The straight part
We know that "They allow one to pay for fare on train" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case they allow one to pay for fare on train = restaurant cars.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.