Overview

Travel and tourism merchants face unique payment hurdles such as delayed fulfillment, chargebacks from cancellations, and high cross-border volumes. High Wire Payments provides merchant accounts that handle complex travel payment flows, offering transparent pricing and global acceptance.

Key Challenges in Travel Payments

• High chargeback exposure due to cancellations or no-shows
• Card network risk scoring on MCC 4722 (Travel Services)
• Multi-currency settlement and dynamic currency conversion
• Integration with booking engines, OTAs, and affiliate systems

What to Look For in a Payment Processor

• Chargeback-mitigation tools and dispute alerts
• Support for recurring or installment travel payments
• Multi-currency support with low FX markups
• Flexible fraud filters and identity verification

Best Options for Travel Sellers

Based on community feedback and merchant data, travel businesses favor processors that combine stable approval ratios with strong fraud prevention. Here’s a snapshot comparison:

• High Wire Payments: Best for agencies needing high approval rates and multi-currency acceptance.
• Authorize.net + High Wire Gateway: Reliable for booking platforms using custom checkout flows.
• NMI: Flexible for international cards and agent sub-accounts.
• FluidPay: Advanced fraud tools for affiliate travel marketers.

High Wire Advantage

• Direct banking for high-risk travel verticals
• Interchange-plus pricing with no hidden fees
• 24-hour merchant support and integration guidance
• Compatibility with Kount, Ethoca, and Verifi fraud tools