Travel Merchant Account & Industry Payment Solutions for US and Europe Merchants

Travel merchants face unique challenges in both the US and Europe. At PayFasto, we understand these challenges. That’s why we provide a specialized travel merchant account for high-risk transactions in the travel industry. Our platform enables secure payment processing for the travel industry, allowing merchants to accept payments from customers worldwide.

Some Of Our 500+ Happy Customers

Some Of Our 500+ Happy Customers


What you get with Payfasto's travel merchant services

We handle over 1 million travel merchant account transactions globally each month. Wherever you’re operating from, we’ll provide you with safe travel agency merchant account solutions.

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Why choose Payfasto as your travel agency merchant account provider for your high-risk business?

PayFasto offers the best travel merchant accounts for your travel  e-commerce website with the most favorable terms in the market. We guarantee top-notch travel payment processing solutions to help grow your agency. 

Using PayFasto means having dedicated merchant account services for travel agencies with a tailored payment gateway for travel agency that your customers can appreciate.   

If you are interested in obtaining a travel merchant account, please reach out to us today. Visit our contact page. 

Secure payment gateway solutions for travel websites

Payment processing for travel industry is easy, seamless and affordable with PayFasto. With a dedicated travel merchant account, you get a secure payment gateway for travel agency and other travel payment processing solutions to help take your business to the next level. 

Experience faster checkouts, increased security, reduced errors and 100% transparency with Payfasto’s travel merchant account services. 

Factors to consider when choosing a merchant account provider for your travel business

Take a look at a few factors that can help you choose the most dependable and trustworthy high-risk merchant account provider for your travel company.

Reviews and Reputation

Many merchant accounts and payment gateway service providers have websites filled with information that could be over promising. They do this to attract as many customers as possible. However, as a travel business, it’s important not to be swayed by their tactics.

Don’t judge a merchant account provider solely based on their website. Take the time to research and read reviews and feedback about their services from trusted platforms. Look at their transparency, trust and expertise  in how they handle disputes, chargebacks, and fraud, as well as the quality and responsiveness of their customer service. Evaluate all these factors before deciding to partner with them.

Merchant Account Rates

A crucial factor that sets payment gateway service providers apart is their merchant account rates.

Don’t choose a service provider solely based on their account processing rates. Depending on the size and volume of your transactions, there may be other providers with better rates.

When selecting a merchant account provider for your travel business, look for ones that charge rates similar to major credit card processing companies. These providers usually have the lowest fees per transaction.

Customer Service and Support

As a travel merchant, your business operates beyond regular business hours. Therefore, it’s important to partner with a credit card processing company that offers 24/7 customer service and support.

Make sure the merchant account you choose has multiple means of accessibility, such as chat, phone, and email. If you partner with a provider that is difficult to reach, it can negatively impact your business in the long run when you require customer support.

Agreement Contracts

Before partnering with a merchant account provider, it’s crucial to have a contract agreement in place. Take the time to carefully review the contract and make sure you’re comfortable with all.

Tested and Trusted Fraud Protection and Prevention Tool

At PayFasto, we take fraud protection and prevention seriously. Our tested and trusted tools ensure that our travel merchant account holders are always informed about any potential fraud or scams.

These tools are seamlessly integrated into our payment gateway and analyze various data points for each transaction. With advanced features like proxy detection, machine learning models, behavioral analytics, and elastic order linking, our high-risk merchant account can quickly identify and address fraud in real-time.

If any fraudulent activity is detected, you will be instantly notified. Our instant alert system covers a wide range of suspicious transactions, including stolen identities or cards, fraudulent cards, and more.

When you set up our payment gateway, you’ll have the ability to customize the fraud filter to meet your business’s specific requirements.

Furthermore, you have the option to configure the payment system to automatically decline suspicious transactions or temporarily suspend them until a thorough investigation is conducted. Your business’s unique needs are our priority, and we provide the flexibility to tailor the system accordingly.

Multi-Bank and Offshore Processing

PayFasto offers a range of high-risk credit card providers that provide unlimited access to multi-bank and offshore processing services.

We understand the importance of having multiple banking options for travel merchant accounts, which is why we ensure that each account is set up with at least four banking options.

This allows you to easily distribute payments across different bank accounts, minimizing the risk of chargebacks and over-exposure.

In the event that a large number of chargebacks occur on one bank account, it could result in the freezing or permanent closure of that account.

However, with multiple bank accounts, you have a safety net to rely on. You can continue processing payments from various sources such as credit and debit cards, ACH, and e-checks.

Sometimes, high-risk merchant accounts may require access to offshore banking solutions. Non-US banks often have fewer trading restrictions and less strict approval policies, making them a valuable option for merchants who experience a high rate of chargebacks or have no credit card processing history.

By obtaining a merchant account with offshore payment processing, you can significantly improve your travel business.

ACH/E-Check Processing

ACH/E-check payment processing can be a game-changer for travel business owners. Usually, customers using travel services would always want to ensure that they have a low credit balance, which will allow them to cater to expenses and emergencies during the course of their trips and tours, thus their preference for travels with the funds they already have.

When you have a merchant account that accepts ACH and E-check payments, you will be able to cater to the needs of these kinds of target customers in the travel industry.

Chargeback Protection and Dispute Resolution

It’s no secret that the travel industry faces a significant number of chargebacks due to the high occurrence of contingency payments. It’s also not uncommon for travelers to change their plans abruptly after booking their tickets.

Unfortunately, travel merchants often fail to offer refund options for travel deposits and provide inadequate information about refund policies, resulting in chargebacks.

But with a high-risk merchant account from PayFasto, you can put your worries about chargebacks to rest. We’ll notify you instantly when a chargeback is initiated, ensuring you stay informed and can take appropriate action.

Moreover, we go the extra mile by offering advice and support to our travel merchants, helping them reduce the rate of chargebacks. We’re committed to assisting our travel merchants through disputes, minimizing the negative impact on their businesses.

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Frequently Asked Questions

What is a travel merchant account?

A travel merchant account is designed for all merchants who wish to accept transactions and payments online with no effort, quickly and safely. Travel merchant accounts are ideal commercial accounts for all businesses related to tourism and the fascinating world of travel, such as timeshare or an online travel agency.


Why is the travel industry considered high-risk?

Travel industries are considered high-risk due to the exponential growth of online fraud affecting the entire online tourism industry. Another deciding factor is the very high number of chargebacks from customers in the booking, travel, and rental industries.


How can you get a merchant account for a travel agency?

To obtain a travel merchant account for your unique industry, there are specific documents and requirements that you must fulfill. These include providing company bank statements, a certificate of incorporation, and the memorandum and articles of association.

You also need to submit copies of passports for all owners, proof of address, proof of domain, and local representation. Ensuring PCI compliance, providing a rental agreement and processing statements, and submitting additional documents like a business plan or marketing materials may also be necessary.

It is important to have legal recognition, a clean credit history, sufficient funds, and no outstanding debts to increase your chances of getting your merchant account application approved.


Why choose PayFasto as your travel merchant account provider?

By partnering with PayFasto, you can benefit from a reliable high-risk travel merchant account that is specifically designed to cater to the challenges and complexities of the travel industry.

Our merchant accounts are versatile and can be customized to meet the specific needs of these industries, providing them with the same level of security, reliability, and efficiency that we offer to our travel clients.

Our team of experienced professionals is available round the clock to assist you with any queries or issues you may have, ensuring that you receive prompt and personalized support whenever you need it.

Partner with us today and experience the benefits of our reliable payment processing solutions backed by our extensive network of banks and financial institutions worldwide.


What are the requirements for a travel merchant account?

To get a travel merchant account in Europe and the US, there are specific requirements and documents that need to be provided. All travel merchant accounts are assigned an MCC code, which helps payment processors identify transactions and comply with regulations.

Some of the detailed requirements for a travel merchant account include an Incorporation Certificate, Memorandum & Articles of Incorporation, Passport of UBO / Shareholders / Directors, Office Lease Agreement or Rental Invoice (not older than 90 days), Business Bank Statement (not older than 90 days for the last three months).

If available, Processing History for the past 3-6 months should be provided, showing sales, refunds, and chargebacks. If not available, a detailed business plan and cash flow forecast for at least one fiscal year will be required.

A Utility Bill from UBO / Shareholders / Directors (not older than 90 days), Proof of domain ownership, and KYC from a local signatory are also necessary.


How much does it cost to get a travel merchant account?

The fees that PayFasto will charge depend on factors such as Processing History, Method of Sales, Countries, Volume of Sales, and Products. All merchant accounts are unique but included terms stay the same for most:

  • Merchant discount rate
  • Transaction fees
  • Monthly statement fee
  • Monthly gateway fee
  • Four and a half to six-month month rolling reserve (depending on bank)
  • Chargeback fee
  • Refund fee


What are the credit card processing rates in the travel industry?

The average credit card processing rate is between 1.5% to 3.5%. 

Every time a travel business receives payment from customers through credit cards, they must pay a fee to enable payment processing. These fees typically vary based on the type of credit cards your travel business receives. Some of the common fees include: 

  • Interchange fee
  • Payment processor fee
  • Assessment fee


Why are travel businesses and agencies part of the high-risk travel industry?

Travel agencies and businesses are still typically categorized as high risk because of how companies operate in the industry, especially regarding payment processing. One common challenge that travel businesses face is early bookings and possible liabilities arising from clients’ decisions to cancel their bookings.

Travel merchants are forced to bear significant burdens like non-refundable deposits and payments made in advance for travel logistics when clients cancel their trips. Chargebacks and reversal requests are among the top reasons banks consider a travel merchant account to be high-risk. Other reasons include:

  • High-ticket sales
  • The high volume of transactions
  • Prolonged delivery times. 


Why is it challenging to get a high-risk merchant account for the travel industry?

Travel agencies typically face high-level chargebacks. Add that to the high possibility of fraud, and you can see why financial institutions are typically wary of creating travel merchant accounts for travel agencies. However, travel agencies can always turn to high-risk merchant account providers like PayFasto, which offers payment solutions for travel businesses. 


How does payment processing work for the travel industry?

Payment processing for the travel industry relies on a secure payment gateway for travel agencies. The process is quite straightforward. 

Assuming the customer pays with a credit card: 

  • Customers select their preferred payment option on the agency’s website and input their card details or other forms of payment. 
  • The payment gateway or processor receives the data and submits the request for authorization to the customer’s card issuer. 
  • Customers’ identity is verified by the bank, and payment is either approved or declined. 
  • If approved, both the travel agency and customer receive confirmation, and the funds are transferred to the agency in a few days.       


How do travel agents accept payments?

Travel business owners love to provide multiple payment options to customers. From credit card payments to ACH transfers, cash, and even cheque payments, customers usually have various options to choose from. 


Do I need a payment gateway for my travel agency?

Yes, you need a payment gateway for your travel agency. It is a way to secure your business from chargebacks and other forms of online scams.  A high-risk payment gateway also facilitates seamless financial transactions between merchants and customers in various currencies and via different payment methods. It acts as an intermediary to ensure the safe transmission of customers’ sensitive financial information and secure receipt of your payments. 


How to choose the best payment gateway for your travel business?

When considering different payment gateways for your travel business, be sure to choose a high-risk travel payment processing solution tailored to meet the unique requirements of the travel industry. You want a travel business payment gateway like PayFasto that:

  • Is easy to integrate and use
  • Offers 24/7 customer care
  • Is reliable and secure
  • Has great online reviews


Can I use Stripe or PayPal as a payment gateway for my travel agency?

You can use Stripe or PayPal as a payment gateway for your travel agency, but you should not. These platforms are not equipped to handle the unique complexities and challenges of the travel industry. They may not be helpful with chargeback issues or any other problems you may face while trying to receive payments. You may also deal with random account closures and abysmal customer service. It’s advisable to choose a dedicated high-risk payment gateway that caters to travel agencies instead of PayPal or Stripe. 


In which countries do you offer travel merchant accounts and payment gateway services?

At PayFasto, we serve the US, UK, and European markets, including (but not limited to) countries such as:

  • Spain
  • Italy
  • France
  • Germany
  • Portugal
  • Denmark
  • Sweden
  • Greece
  • Austria
  • Malta
  • Monaco
  • Netherlands
  • More!