Travel payment processing
Travel Merchant Accounts
Travel merchants take payment today for a trip that happens months from now. That future-delivery window is why banks treat travel as high risk. We place travel agencies, tour operators and booking platforms with banks that understand the model.
Why it's high risk
Why banks label Travel as high risk
Understanding how underwriters see your business is the first step to getting approved — and staying approved.
Future delivery
The time between payment and travel creates long chargeback exposure for the bank.
Large tickets
High average order values increase exposure per transaction.
Cancellations
Weather, events and supplier failures can trigger waves of refunds.
Get approved faster
What you'll need to apply
Having these ready speeds up underwriting. Missing something? Apply anyway — your rep will help you fill the gaps.
- Seller of travel registration (where required)
- Supplier agreements or IATA/host agency details
- Cancellation and refund policy
- Processing statements (if available)
- Government-issued ID for each owner (25%+)
- 3 months of business bank statements
FAQ
Travel merchant account FAQ
Why is travel considered high risk?
Because customers pay well before they travel, banks carry chargeback risk for months. That's why travel accounts often include reserves.
Can I accept international cards?
Yes. We can set you up with multi-currency processing and international card acceptance.
Do you work with timeshare companies?
Yes. Timeshare sales and exit companies can be approved with the right documentation.
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