Travel Agency Merchant Account
Travel Agency Merchant Account
Accept cards for tours, packages, cruises, and custom itineraries. Get a travel agency merchant account that is underwritten for future service dates and seasonal spikes.
Who this page is for
This page fits online and storefront travel agencies, tour operators, cruise and charter brokers, destination package sites, and membership travel clubs. If you were frozen by a general processor or told your model is high risk, start here.
Why travel agencies need a dedicated merchant account
Future dated delivery cardholders book now and travel later. Banks want proof of service and clear timelines.
Refunds and disputes itinerary changes can trigger refunds and chargebacks. A travel focused program includes dispute tools.
Supplier risk agencies rely on third parties. Lined up supplier docs help reduce reserve size.
Core benefits for travel agencies
Approvals that match real travel workflows
The bank reviews your itinerary process, supplier terms, and refund policy. That is why approvals are stable after you launch.
Gateway control for preauth and partial capture
Use preauthorization and capture close to the travel date when possible. Route risky orders to extra review.
Chargeback prevention
Get alerts, auto responses, and clear order descriptors. Show dates and inclusions on every receipt.
Travel agency merchant account requirements
- Company documents and matching bank account
- Website with terms, refund, and cancellation policies
- Order confirmation shows travel dates and inclusions
- Supplier agreements or proof of inventory access
- Support phone and email that customers can reach
- Processing statements if available
Rates, fees, and reserves
Pricing is interchange plus. Markup depends on lead times, dispute history, and seasonality. Some agencies get no reserve. Others use a small rolling reserve during peak months. Clean paperwork and quick dispute responses lower costs.
Quick setup checklist
- Business name matches site and invoices
- Clear refund and cancellation policy at checkout and in the footer
- Itinerary and supplier info on confirmations
- Easy to find support hours and contact options
- Transparent pricing on each package