Payments for travel and leisure
Tour operators, activity providers and travel sellers — advance bookings, seasonal volume and cancellation policy.
A vertical processors watch closely
Travel carries a long gap between payment and delivery, seasonal volume swings, and an exposure that most sectors do not have: if a supplier fails, customers dispute with the seller. Processors know this, which is why travel accounts often carry reserve requirements. Understanding that in advance makes underwriting far smoother.
How the setup works for your account
Deposit and balance billing
Take a deposit at booking and the balance closer to travel.
Seasonal volume tolerance
Volume expectations set with your season in mind, so a peak month does not trigger a review.
Cancellation handling
Structured policies with recorded acceptance at the time of booking.
Reserve planning
If a reserve applies, we set out how it is calculated and released before you sign.
Preparing for underwriting
Disclose your booking window
How far ahead you take money is the first thing an underwriter looks at.
Show your supplier arrangements
Evidence that services are contracted reduces perceived delivery risk.
Have documented terms
Cancellation, force majeure and refund terms should exist in writing before you apply.
How would you like to start?
Common questions
Will I need a rolling reserve?
It is common in travel. The percentage and release period vary by account and should be disclosed in writing before you sign.
Why does the booking window matter?
The longer between payment and travel, the longer the processor carries dispute exposure if you cannot deliver.
Can I take payment in instalments before departure?
Yes, and many operators do. Make each instalment's terms explicit.
See what your processing should actually cost
Send a recent statement, or your monthly volume and average ticket. You get a written breakdown back — no commitment.