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If you wish to make it clear to the driver that you do not want to pay the easiest thing is to say you have no money "k'nyom ot mean loy" - "I no have money" is the literal translation.

Waving your hand works but the most effective way is to stick your arm out, with your palm facing the ground (this is important, palm up is offensive) bend and straighten your fingers in the direction of the driver.