Secure payments for a long-delivery business.
Airlines, cruises, tour operators, vacation rentals — with fraud prevention and high-risk underwriting built for delayed service delivery.
Selling a vacation six months out is a chargeback waiting to happen
Travel is one of the hardest categories in payments — every sale is card-not-present, the service is delivered weeks or months later, and any disruption (weather, cancellation, rebooking) can become a chargeback. Generic processors either refuse to underwrite travel at all or drop the account the first time chargeback ratios spike. We place travel accounts with banks that actually underwrite the category, pair them with fraud prevention and chargeback-management tools, and set up realistic reserve terms from day one so the account stays open through the busy season.
The right program for this category
Interchange-Plus with high-risk underwriting
Our first-choice program for this category.
Flat-rate for smaller operators if reserves allow
Honest pass-through alternative — no surprise markups.
Travel is heavily card-not-present with delayed service delivery (a flight six months from now, a cruise next year), which drives chargeback risk up. Transparent interchange-plus pricing is standard in the category, and reserves or rolling reserves are often required. We place the account with a partner bank that underwrites travel correctly from day one.
Category-specific safeguards
- Proper high-risk MCC placement (travel agencies, airlines, lodging, cruise lines)
- Advanced fraud detection at authorization
- Chargeback representment service included
- Rolling reserves structured transparently, not as a surprise
Common questions
Our chargeback ratio is above 1%. Can you still take us?
Yes, in most cases. Specialty high-risk underwriting accommodates elevated chargeback ratios as long as the business has documented fraud controls. Your specialist will walk through what underwriting needs to see.
Do you handle rolling reserves?
Yes. Most travel accounts carry some form of reserve. We explain exactly how it's calculated, how long funds are held, and when they're released — in writing, before you sign.
Can we do chargeback representment?
Yes. We include chargeback representment as part of the account so disputed transactions get responded to with proper evidence — not just auto-lost.
Ready for a real quote?
Send your last statement. A specialist returns the math and the program that fits your business — usually the same day.