Industries Hub

Travel & Travel Agency Payment Processing

Last updated: August 20, 2026

Quick Answer

Travel merchant accounts and travel-agency payment processing often receive additional underwriting: travel and tourism businesses are classified as high-risk by many payment processors because customers may pay well before a trip, tour, or booking is delivered. Not all processors accept every travel business type. A provider that does may require rolling reserves, documentation, and review of your specific model, including an online travel agency or card-payment flow. This page connects that merchant research to ProcessorFit’s source-backed provider findings and the questions to verify before applying.

Travel Payments at a Glance

Advance-payment risk

Travel merchants collect payment before delivering the service — creating chargeback exposure that most general processors avoid.

Rolling reserves may apply

Most processors that accept travel merchants require a reserve — a percentage of volume held by the acquiring bank to cover potential chargebacks.

Your sub-type determines acceptance

A processor that accepts travel agencies may prohibit timeshare operators. Acceptance of one travel type does not imply acceptance of another.

Explicit prohibitions exist

Some large processors — including Stripe — prohibit certain travel activities entirely and classify others as restricted, with approval revocable at any time.

The acquiring bank sets the terms

Reserve rates, underwriting criteria, and sub-type acceptance are set by the acquiring bank — not the ISO or processor brand you apply through.

ProcessorFit Research

Provider Research Snapshot

What ProcessorFit has established about each Travel provider — at a glance. Full merchant-journey analysis with evidence follows below for each provider.

Stripe

Do not apply — these activities4 findings

Stripe's US prohibited-businesses list explicitly includes: commercial airlines and cruises; international (cross-border) charter…

Verify: Whether a travel agency that resells airline tickets is treated as a 'commercial airline' under this prohibiti…

What it means ↓

Durango Merchant Services

Verify before applying2 findings

Durango states it can provide merchant accounts for travel and tourism companies operating under one of two conditions: the compan…

Verify: Whether specific travel merchant sub-types (airlines, tour operators, travel agencies, timeshares) are univers…

What it means ↓

Elavon

Jurisdiction-specific2 findings

Elavon's UK/Ireland entity (Elavon Financial Services DAC) classifies certain travel-related business models as prohibited: direct…

Verify: Whether these prohibitions apply to US merchants is NOT established — the document governs Elavon Financial Se…

What it means ↓

Soar Payments

Verify before applying4 findings

Soar Payments states that it accepts a range of U.S.-based travel and timeshare businesses, and publishes travel-specific document…

Verify: Soar's enumerated examples of accepted travel business types do not necessarily constitute universal eligibili…

What it means ↓

Snapshot derived from canonical research findings. Signal and caveat shown are the most action-relevant of each provider's findings. Full evidence, sources, and dates in the research section below.

Provider research by vertical

Travel evidence comparison

This table organizes the existing Travel findings by decision area. It does not rank providers or extend any finding beyond its cited source, jurisdiction, or checked date.

Durango Merchant Services

1 of 4 providers

Verify before applying

Published research

Product or activity scope

Established
View evidence

Durango states it can provide merchant accounts for travel and tourism companies operating under one of two conditions: the company entity must be based in the USA, or the company must have a US-based representative.

durango-merchant-services-travel-positioning-001
Source · 2026-08-05
Last checked: 2026-08-05

Card-present support

Research required

Card-not-present support

Research required

Recurring or continuity billing

Research required

Documentation or certification

Research required

MATCH / TMF considerations

Research required

Reserve evidence

Established
View evidence

Durango Merchant Services publishes reserve guidance for travel merchants of 0% to 10% of processing volume.

durango-merchant-services-travel-reserves-001
Source · 2026-08-05
Last checked: 2026-08-05

Jurisdiction scope

Not publicly establishedNo jurisdiction label was stated in the cited sources.
View evidence
durango-merchant-services-travel-positioning-001
durango-merchant-services-travel-reserves-001
Source · 2026-08-05
Last checked: 2026-08-05

Evidence status

Published research
View evidence
durango-merchant-services-travel-positioning-001
durango-merchant-services-travel-reserves-001
Source · 2026-08-05
Last checked: 2026-08-05

Last checked

2026-08-05
View evidence
durango-merchant-services-travel-positioning-001
durango-merchant-services-travel-reserves-001
Source · 2026-08-05
Last checked: 2026-08-05

What to verify

"We are a [specify your travel business type — e.g. travel agency, tour operator, OTA, timeshare company] and our company [is incorporated in the US / has a US-based representative]. Is this specific Travel business type currently eligible to apply through Durango? Which acquiring bank would receive and underwrite our application? What reserve percentage would apply — and what is the release schedule and chargeback threshold that bank would set?"
View evidence

"We are a [specify your travel business type — e.g. travel agency, tour operator, OTA, timeshare company] and our company [is incorporated in the US / has a US-based representative]. Is this specific Travel business type currently eligible to apply through Durango? Which acquiring bank would receive and underwrite our application? What reserve percentage would apply — and what is the release schedule and chargeback threshold that bank would set?"

Verification question
  • "We are a [specify your travel business type — e.g. travel agency, tour operator, OTA, timeshare company] and our company [is incorporated in the US / has a US-based representative]. Is this specific Travel business type currently eligible to apply through Durango? Which acquiring bank would receive and underwrite our application? What reserve percentage would apply — and what is the release schedule and chargeback threshold that bank would set?"
durango-merchant-services-travel-positioning-001
durango-merchant-services-travel-reserves-001
Source · 2026-08-05
Last checked: 2026-08-05

Research details:StripeElavonSoar PaymentsDurango Merchant Services

In this guide

  1. ↑Provider Research Snapshot
  2. ↓Stripe: what the research means
  3. ↓Elavon: what the research means
  4. ↓Soar Payments: what the research means
  5. ↓Durango Merchant Services: what the research means
  6. ↓Other processors to investigate
  7. 1Travel Merchant Accounts & Payment Processing: Why Underwriting Is Higher-Risk
  8. 2Reserve Requirements for Travel Merchants
  9. 3Documentation Travel Merchants Typically Provide
  10. QFrequently Asked Questions

ProcessorFit Research

Stripe — what the research means

Do not apply — these activities

Stripe publishes specific rules for certain travel activities — and whether any of them covers your business is the first thing to settle.

ProcessorFit has established what Stripe's US policy explicitly prohibits and restricts for travel-related businesses. Whether your specific business model falls within any of these published categories — or falls somewhere the policy does not address — is the key question to resolve before applying.

What to do next

Before applying, confirm with Stripe how it classifies your specific business under its current restricted-business policy.

Last checked: May 13, 2026

Still to confirm: Whether Stripe's current policy permits your specific business type.

What the research establishes

Prohibited activities (US policy)

Established

Stripe's US prohibited-businesses list explicitly includes: commercial airlines and cruises; international (cross-border) charter and private airlines; and timeshare services.

If your business is one of these four activities — commercial airline, cruise, international charter/private airline, or timeshare — Stripe's published policy excludes it. Do not apply to Stripe for these activities.

Restricted activities — additional review required

Established

Stripe's US policy classifies travel reservation services and clubs, in-flight purchases, and domestic charter air travel as restricted businesses requiring additional due diligence. Approval, if granted, is specific to each service offer and may be modified or revoked by Stripe at any time.

Approval for these activities requires Stripe's additional review and is not guaranteed. Any approval Stripe grants is revocable under Stripe's own terms — factor this into business continuity planning before relying on Stripe for these activities.

Does this cover your business?

Whether a US travel agency or tour operator falls within 'travel reservation services and clubs' as Stripe defines it is not established by the policy text. A travel agency that books travel without itself providing travel services could plausibly be classified as a travel reservation service, but Stripe does not define the boundary.

What to verify:

Ask Stripe whether your specific business model is a 'travel reservation service' under its policy before applying. Do not assume the absence of 'travel agency' from the prohibited list means approval — it means the classification is unaddressed.

Stripe's policy page changelog records that domestic charter air travel was updated from prohibited to restricted across multiple jurisdictions (US, CA, UK, EU, BR, IN, TH, AU).(May 2026)

Not appearing on either list is not a statement that Stripe accepts your business.

A business type may be handled on a case-by-case basis, fall under a different policy term, or simply not be addressed by name in the published policy.

Question to ask before applying

"Does Stripe currently classify my specific Travel business model as permitted, restricted, or prohibited under its policy, and are there any additional requirements I should verify before applying?"

See Stripe's full due-diligence research — pricing, reserves, eligibility, and what to verify.

ProcessorFit Research

Elavon — what the research means

Not publicly established

Elavon has published Travel restrictions for UK and Ireland — but ProcessorFit has not located the equivalent US policy from public evidence.

Elavon's UK and Ireland entity prohibits specific travel business models under a 2022 training document. Whether those restrictions apply to US merchants — or what Elavon's US Travel policy says — has not been established from publicly available documentation.

What to do next

Before applying, ask Elavon or an Elavon ISO/MSP whether your specific Travel business type is permitted under Elavon's current US policy, and whether any Travel-specific restrictions or additional underwriting requirements apply.

Last checked: January 1, 2022

Still to confirm: Whether Elavon's US policy permits, restricts, or prohibits your Travel business type.

What the research establishes

Published policy — jurisdiction-specific

Established

Elavon's UK/Ireland entity (Elavon Financial Services DAC) classifies certain travel-related business models as prohibited: direct marketing of travel-related arrangement services (MCC 5962), discount travel clubs, and most timeshare operators (timeshares sold by non-nationally-recognized hotel chains are prohibited).

This finding applies to UK and Ireland merchants only. US merchants must seek US-applicable Elavon documentation, which was not located during research (see related finding). UK/Ireland merchants engaged in telemarketing travel sales, discount travel club memberships, or most timeshare sales should not apply to Elavon Financial Services DAC.

US policy

Not publicly identified

No US-applicable Elavon prohibited/restricted-business documentation was located during research. The search found Elavon's UK/Ireland prohibited-business document and Elavon US gateway terms, neither of which contains a prohibited-business list applicable to US merchants.

What to verify: Whether Elavon publishes a US-applicable prohibited-business list that was not located during this research, or whether Elavon's US policy is distributed only through its ISO/MSP network (and not published directly), is not established.

ProcessorFit not locating a US prohibition does not establish that Elavon accepts Travel businesses in the US.

The absence of a located US policy document is a research gap, not a policy statement. Elavon may publish US policy through its ISO/MSP network or in documentation not reached during this research.

Question to ask before applying

"We are a [specify your Travel business type — e.g. travel agency, tour operator, discount travel club, or timeshare] operating in the US. Does Elavon's current US policy permit our category of Travel business to apply? Are there any Travel-specific prohibitions, restrictions, or additional underwriting requirements we should know about before submitting an application?"

ProcessorFit Research

Soar Payments — what the research means

Verify before applying

Soar Payments publishes affirmative evidence that it works with specified US Travel businesses — but that is not merchant-specific approval.

Soar's website references acceptance of US-based travel and timeshare businesses, with published requirements including documentation such as an ARC bond or surety bond and a rolling reserve of approximately 5–10% of processing volume. Which acquiring bank underwrites your specific account — and on what final terms — is not established until you apply.

What to do next

  1. Confirm your Travel business type (e.g. travel agency, tour operator, timeshare) is among those Soar currently accepts
  2. Ask whether an ARC bond or surety bond is required for your specific business type
  3. Ask which acquiring bank would receive and underwrite your application
  4. Confirm the reserve percentage, release schedule, and chargeback thresholds the underwriting bank would set

Still to confirm:

  • Which acquiring bank would underwrite your application
  • Whether your specific Travel business type is currently eligible through that bank
  • Your exact reserve rate — Soar publishes an approximate range; the underwriting bank sets the specific rate
  • The reserve release schedule and chargeback thresholds that would apply to your account

What the research establishes

Established

Soar Payments states that it accepts a range of U.S.-based travel and timeshare businesses, and publishes travel-specific documentation requirements.

What to verify: Soar's enumerated examples of accepted travel business types do not necessarily constitute universal eligibility for all travel agencies or tour operators. Soar's acceptance of any specific travel merchant depends on underwriting approval by the acquiring bank assigned to that application. The full list of travel merchant types Soar will and will not accept is not exhaustively published.

Soar Payments actively works with travel merchants and has published travel-specific onboarding requirements, which is a meaningful positive signal. Eligibility for your specific travel business type should be confirmed directly with Soar before applying.

Known application requirements

Established

What documentation does Soar Payments require from travel merchants?

Soar Payments requires travel merchants to provide a current ARC bond or surety bond as part of the application documentation.

What to verify: The minimum bond amount required, whether bond requirements vary by travel merchant sub-type (e.g. tour operators vs. travel agencies vs. timeshare), and whether additional documentation may be required by the specific acquiring bank assigned to a travel merchant's application are not publicly established.

Obtain or verify your current ARC bond or surety bond before applying to Soar Payments. If your travel business does not hold an ARC bond, confirm with Soar whether a surety bond alone satisfies this requirement.

Established

What rolling reserve does Soar Payments typically require from travel merchants?

Soar Payments publishes guidance that travel merchants should typically expect a rolling reserve of 5–10%.

What to verify: Whether the specific reserve percentage for a given travel merchant falls at 5%, 10%, or elsewhere in the range depends on the merchant's specific application and underwriting assessment. The reserve rate is set at the acquiring bank's discretion and may differ from Soar's published guidance. Duration of the reserve period is not publicly stated.

Budget for a 5–10% rolling reserve when modeling cash flow as a Soar Payments travel merchant. Confirm the exact reserve percentage and release schedule with Soar and the assigned acquiring bank before signing any agreement.

Who makes the final decision

Not publicly identified

The specific acquiring bank that would underwrite a travel merchant's account through Soar Payments is not publicly established before the merchant submits an application.

What to verify: Which specific acquiring bank would underwrite a travel agency's or tour operator's account through Soar Payments cannot be determined from publicly available information before that merchant applies. Travel is a regulated high-risk category; different acquiring banks within Soar's network may have different policies for travel sub-types (e.g. tour operators, travel agencies, timeshare sellers).

Ask Soar Payments which acquiring bank would receive and underwrite your travel merchant application before applying. The underwriting bank sets your chargeback threshold, reserve terms, and termination policies — ask for these in writing from the specific bank before committing to Soar.

Soar naming Travel businesses it serves does not establish that every Travel merchant — or your specific business — will receive approval.

Category-level acceptance language describes Soar's stated willingness to work with certain Travel business types. The acquiring bank assigned to your account makes the final underwriting decision — that decision is not established before you apply.

Question to ask before applying

"We are a [specify your Travel business type — e.g. travel agency, tour operator, timeshare] based in the US. Is our specific Travel business type currently eligible to apply through Soar? Which acquiring bank would underwrite our account, and can you confirm the ARC/surety bond requirement, the reserve percentage, the chargeback threshold, and the reserve-release schedule that bank would apply?"

ProcessorFit Research

Durango Merchant Services — what the research means

Verify before applying

Durango explicitly states it can provide Travel merchant accounts — under stated US nexus conditions.

Durango's website states it provides merchant accounts for travel and tourism companies where the company entity is based in the USA or has a US-based representative. A rolling reserve of 0–10% of processing volume may apply. Your specific Travel business type and underwriting terms require direct verification before applying.

What to do next

  1. Confirm your travel company is US-entity-based or has a US-based representative — Durango's stated condition
  2. Ask Durango whether your specific travel business sub-type is currently eligible to apply
  3. Ask which acquiring bank would receive and underwrite your application
  4. Confirm the reserve percentage, release schedule, and chargeback thresholds before signing

Still to confirm:

  • Whether your specific travel sub-type is currently eligible through Durango's acquiring bank relationships
  • Which acquiring bank would receive and underwrite your application
  • Your exact reserve rate — Durango publishes a 0–10% range; the specific rate is set by the underwriting bank
  • The reserve release schedule and chargeback thresholds that would apply to your account

What the research establishes

Established

Durango states it can provide merchant accounts for travel and tourism companies operating under one of two conditions: the company entity must be based in the USA, or the company must have a US-based representative.

What to verify: Whether specific travel merchant sub-types (airlines, tour operators, travel agencies, timeshares) are universally accepted or subject to individual underwriting is not established. Which acquiring bank would underwrite a given travel merchant is not publicly established before application.

If your travel or tourism company is not US-based, ensure a US-based representative is available before applying to Durango. Confirm which acquiring bank would receive your application and whether that bank underwrites your specific travel merchant type.

Known application requirements

Established

What rolling reserve does Durango Merchant Services publish for travel merchants?

Durango Merchant Services publishes reserve guidance for travel merchants of 0% to 10% of processing volume.

What to verify: The factors that determine where a specific travel merchant falls within the 0–10% range are not publicly specified. The reserve rate is ultimately set by the acquiring bank underwriting the account, which is not publicly identified before application.

Budget for a rolling reserve of up to 10% when modeling cash flow. The specific rate depends on underwriting — confirm the exact percentage and release schedule with Durango and the assigned acquiring bank before signing.

Durango stating that it provides Travel merchant accounts under stated conditions does not establish that every Travel merchant will receive approval.

Meeting the US nexus condition satisfies one eligibility gate. Underwriting by the assigned acquiring bank is a separate gate — that bank determines whether your specific application advances and on what terms.

Question to ask before applying

"We are a [specify your travel business type — e.g. travel agency, tour operator, OTA, timeshare company] and our company [is incorporated in the US / has a US-based representative]. Is this specific Travel business type currently eligible to apply through Durango? Which acquiring bank would receive and underwrite our application? What reserve percentage would apply — and what is the release schedule and chargeback threshold that bank would set?"

Other processors to investigate

ProcessorFit has not completed the same Travel-specific research for these providers. Merchant acceptance and underwriting for your specific Travel business type — including reserve requirements and acquiring bank terms — must be verified directly with each provider before applying.

Easy Pay Direct

No travel research completed

Specializes in high-risk merchant categories that other processors decline. No ProcessorFit travel research has been completed for this provider.

Verify: whether your specific travel merchant type qualifies, which acquiring bank would underwrite your account, and what reserve requirements apply before applying.

PaymentCloud

No travel research completed

High-risk specialist with dedicated account management for complex merchant categories. No ProcessorFit travel research has been completed for this provider. Reserve requirements and accepted sub-types depend on the underwriting bank assigned to your account — verify acquiring bank and sub-type acceptance directly.

Verify current rates, reserve requirements, and terms directly with each provider before applying.

Learn how ProcessorFit evaluates providers

What Travel Agencies and Online Travel Sellers Should Verify

Processor acceptance of travel merchants varies by sub-type. A processor that accepts travel agencies may prohibit timeshare operators. One that accepts tour operators may restrict airline ticket resellers. Do not assume acceptance of one travel merchant type implies acceptance of another.

Does the processor explicitly accept your specific travel merchant type (agency, tour operator, timeshare, charter, OTA, activity provider)?
What rolling reserve applies to your business, and who is the acquiring bank?
What documentation is required (chargeback history, cancellation policy, refund policy, ARC/IATA accreditation)?
Is the processor's acceptance of your merchant type documented in writing?
What are the chargeback thresholds, and what remediation steps apply if you exceed them?
What is the reserve release schedulewhen will held funds be returned?

Travel Merchant Accounts & Payment Processing: Why Underwriting Is Higher-Risk

A travel merchant account is the payment-account arrangement a travel agency, tour operator, or other travel seller uses to accept card payments. Travel and tourism businesses often collect payment before delivering the service — a hotel stay, a tour, or a flight booking. When a service is cancelled, delayed, or disputed, the customer may file a chargeback. Because payment occurred weeks or months before delivery, the acquirer faces elevated chargeback exposure compared to standard retail transactions.

High chargeback ratios are the defining challenge of travel payment processing. Card networks set chargeback thresholds — typically around 1% of transactions by count for Visa. Travel businesses routinely approach or exceed these thresholds during disruptions. Processors who take on travel merchants assume the risk that a chargeback surge will arrive long after the original transactions processed.

Advance-payment chargeback risk

payment collected months before service delivery

Dispute windows

card networks give cardholders up to 120 days (sometimes longer) to dispute travel charges

Cancellation policy complexity

disputed cancellations are a leading chargeback source for travel merchants

External disruption exposure

weather, airline failures, and force majeure events generate chargebacks outside the merchant's control

High average transaction values

travel transactions are often large, increasing dollar-exposure per chargeback

Reserve Requirements for Travel Merchants

Most processors who accept travel merchants require a rolling reserve — a percentage of processing volume held by the acquiring bank to cover potential chargeback losses. The reserve is released on a rolling basis, typically after 90 days or more, with the exact release schedule set by the acquiring bank underwriting your account.

The specific reserve percentage depends on your travel merchant type, processing history, chargeback ratio, and the acquiring bank's internal risk model. Reserve rates vary by processor — ask for the specific rate applicable to your business before signing.

Reserve ratevaries by processor and underwriting bank; ask for your specific rate before signing
Reserve release scheduletypically 90 days or more before rolling release; the acquiring bank sets the exact timeline
Who sets the reservethe acquiring bank, not the ISO or processor brand you apply through
Reserve negotiabilityrates can improve with processing history and a clean chargeback record
Cash flow impactmodel the reserve into cash flow planning before committing to a processor

Reserve rates are set by the acquiring bank underwriting your account, not by the ISO or payment processor brand. The specific rate is not established until your application is reviewed. Ask which bank will underwrite your account and what reserve rate they apply to travel merchants before signing.

Documentation Travel Merchants Typically Provide

Processors and acquiring banks that underwrite travel merchants require more documentation than standard merchant applications. Preparing documentation in advance can speed the underwriting process and signal that your business has the risk controls in place.

Business identity

Business license and state registration documents
Personal guaranteeoften required for high-risk merchant accounts

Financial history

Bank statementstypically 3–6 months
Previous processor statementsto demonstrate chargeback history, if applicable

Travel credentials

ARC (Airlines Reporting Corporation) or IATA accreditation numbers, if applicable

Operational verification

Cancellation and refund policya written policy that will be disclosed to customers at checkout
Evidence of fulfillment infrastructureconfirmation systems, supplier contracts, booking platform details

Some acquiring banks require a site inspection of your booking platform or website before approving a travel merchant account. Ensure your checkout flow clearly discloses your cancellation policy before applying.

Key Terms

Rolling ReserveChargebackMerchant Account

Frequently Asked Questions

What is a travel merchant account?

A travel merchant account is the payment-account arrangement used by a travel agency, tour operator, booking site, or other travel seller to accept card payments. The provider and its acquiring bank review the specific travel model, including when customers pay, when the service is delivered, cancellation terms, chargeback history, and the business’s supporting documentation. A travel merchant account is not a guarantee of approval; the applicable terms depend on the individual application.

What makes travel and tourism a higher-risk merchant category?

Travel businesses collect payment in advance and deliver services later — often weeks or months after the charge. This creates elevated chargeback exposure because cardholders can dispute charges after cancellations, service failures, or delivery disputes. Combined with high average transaction values and the potential for disruption events, travel consistently triggers the risk thresholds that cause mainstream processors to decline or restrict these merchants.

What is a rolling reserve and how much should I budget?

A rolling reserve is a percentage of your processing volume that the acquiring bank holds as a buffer against future chargebacks. The reserve rolls — funds held today are released after a fixed period (typically 90 days or more) as new transactions fund the reserve going forward. Reserve rates vary by processor and underwriting bank — ask for your specific rate early in the process. Budget for reserves in your cash flow modeling before committing to a processor.

Can Stripe process payments for travel businesses?

Stripe's US policy explicitly prohibits commercial airlines, cruises, international charter airlines, and timeshare services. Travel reservation services are classified as restricted — requiring Stripe's additional review, with approval specific to your offer and revocable at any time. Travel agencies and tour operators are not named in Stripe's US prohibited or restricted lists, but absence from the list does not mean approval. Verify directly with Stripe before applying.

Do I need a high-risk travel merchant account for my business?

Most travel businesses do — particularly those that collect payment in advance of service delivery. General payment processors are not designed for high-risk merchant categories and may freeze or terminate accounts when chargeback ratios rise. High-risk specialists that work with acquiring banks experienced in travel merchant underwriting are structured to handle the reserve requirements, documentation, and chargeback ratios that travel businesses experience.

What is ARC accreditation and does it affect processor eligibility?

ARC (Airlines Reporting Corporation) accreditation is a credential for travel agencies that sell airline tickets through the ARC settlement system. Some acquiring banks look for ARC accreditation as a legitimacy signal when underwriting travel agency merchant accounts. Not all travel processors require it, and many travel businesses — tour operators, hotels, activity providers — do not use the ARC system. Ask your processor whether ARC or IATA accreditation affects your underwriting.

How long does it take to get a travel merchant account?

High-risk merchant account underwriting typically takes 3–10 business days for standard applications, and longer for complex travel businesses or those with limited processing history. Having complete documentation ready — bank statements, processing history, cancellation policy, business registration — helps avoid delays. Some processors offer expedited underwriting.

Next Steps

Merchant Account vs. Payment Gateway

Understand the difference between a merchant account and the payment-gateway infrastructure used at checkout.

Rolling Reserve Explained

Learn how rolling reserves work when advance customer payments and delivery timing require more risk review.

High-Risk Merchant Center

Learn how high-risk merchant accounts work, what reserves mean, and why travel businesses get declined.

Rolling Reserves — What They Are and How They Work

How rolling reserves are calculated, held, and released for high-risk merchants.

Why High-Risk Merchants Get Declined

Common underwriting reasons and how to address them before applying.

Browse Provider Directory

See all payment processors in the directory, including high-risk specialists.

Start Fit Check

Answer a few questions to identify processors that may be worth researching for your travel business.

Related Industries

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