Device for paying person with a transport phobia? (4,6)

I believe the answer is:

card reader

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'a transport phobia?' is the definition.
The definition suggests a singular noun which matches the answer.

'device for paying person' is the wordplay.
'device' becomes 'card' (card is a kind of device).
'for' says to put letters next to each other.
'paying person' becomes 'reader' (reader is a kind of person. I am not sure about the 'paying' bit.).
'card'+'reader'='CARD READER'

'with' is the link.

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I've seen this clue in The Times.

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