HRHigh RiskPayment Processing

Travel & Subscriptions · High risk

Travel Payment Processing & Travel Merchant Accounts

Travel businesses take payment long before the service is delivered. That delay worries banks, which often respond with large reserves or refusals. We help travel merchants find processing built around future-dated bookings and international customers.

Why Travel is considered high risk

  • There can be weeks or months between payment and travel.
  • Cancellations and disruptions lead to refund and chargeback spikes.
  • Large average transaction values increase exposure.
  • Customers pay from many countries and currencies.

What we can set up for you

  • Merchant accounts for agencies, tour operators and booking sites
  • Support for deposits and staged payments
  • Multi-currency pricing and settlement
  • Reserve structures negotiated to suit your cash flow
  • Fraud screening for high-value bookings

Getting approved

What you'll need to apply for Travel processing

Having these ready makes underwriting faster. Missing something? Apply anyway — we'll tell you what's needed.

  • Business registration and any travel bonding or licensing
  • Supplier agreements
  • Recent bank and processing statements
  • Booking, cancellation and refund policies
  • Typical time between booking and travel

Travel payment processing FAQ

Other industries

Get your Travel merchant account

Tell us about your business. Applying is free and takes about three minutes.

Start your application