Travel & hospitality
OTA, tour operator, charter and luxury concierge acquiring with delayed-delivery reserve management.
Overview
From IATA-bonded OTAs to private aviation charters and ultra-luxury concierge desks, we structure reserves and settlement to match your fulfilment cycle — never your competitor's.
What's included
Underwriting documents
A closer look
When a customer pays for a trip months in advance, the cardholder retains chargeback rights for 120 days after the original travel date — meaning your tail exposure can extend well past a year. We structure reserves around your actual booking curve, not a generic high-risk template, so working capital isn't trapped unnecessarily.
We integrate trip-cancellation insurance providers directly into the checkout, materially reducing dispute volume by giving cardholders a refund path other than a chargeback.
OTAs and tour operators frequently operate through multiple regional entities. Our ledger supports multi-entity settlement with consolidated and per-entity reconciliation files delivered to your TMS or ERP.
Banking partners
EEA, UK, US and APAC acquirers with deep IATA experience; bond-replacement underwriters for unbonded operators.
Regulatory backdrop
IATA BSP, ABTA, ATOL (UK), DOT (US), Package Travel Directive (EU). Per-jurisdiction trust account or bond requirements.
From application to first transaction
Day 0
Submit your application via our secure portal. A named risk officer is assigned within four working hours.
Day 1–3
We pre-screen your documents, surface gaps early and request only what's missing — no document fishing expeditions.
Day 3–10
Our risk committee reviews your file: corporate, financial, compliance and operational. Pricing is calibrated to the evidence.
Day 10–18
We negotiate placement with acquiring partners best matched to your geography, vertical and volume. MIDs are provisioned in parallel.
Day 18+
Sandbox keys on day one of placement. A dedicated integration engineer pairs with your team until first live transaction.
Portfolio KPIs
vs. prior processor, first 90 days
blended across portfolio
files delivered on schedule
merchant-initiated, T+0 in dashboard
Questions specific to Travel
No, but it materially improves pricing and reduces reserve. We frequently onboard pre-IATA operators with a path to accreditation.
Yes. High-value bookings flow through a dedicated MID with single-transaction velocity controls and white-glove dispute handling.
Our reserve models account for pandemic-era cancellation patterns; we structure trailing reserves rather than rolling for new operators in long-deferral segments.
Ready when you are
