Future-delivery bookings and large tickets make banks nervous. Structure approves agencies, tour operators, and hospitality merchants with underwriting built for advance-purchase risk.
Travel merchants are labeled high risk because of when their customers pay, not because of anything they have done wrong. Bookings are taken well ahead of delivery, which leaves a long window for cancellation and dispute.
Structure Payments underwrites that advance-purchase risk directly, with secure, flexible and compliant processing built for how travel actually sells.
From single bookings to multi-leg itineraries and long stays.
Six characteristics that put travel outside a mainstream processor's risk appetite.
Travel revenue moves with seasonal demand, economic conditions and unpredictable market events, which underwriters read as instability.
Cancellations, itinerary changes and customer disputes push the category above average chargeback rates before any fraud is involved.
Serving customers across countries and currencies adds conversion handling and per-market compliance to every transaction.
Fraudulent bookings, identity theft and unauthorised transactions are persistent in travel, and need active prevention rather than after-the-fact reporting.
Deposits, instalments, recurring billing and secure online booking gateways all have to work together.
Demonstrating secure payment practices builds the customer confidence that advance-purchase businesses depend on.
No drawn-out underwriting theatre. A real person, a real timeline, a real approval.
One short form and a quick document upload. Your dedicated rep reviews it the same day — no call-center runaround.
We match you to the right banking relationship and gateway for your industry, chargeback history and volume.
Credentials, gateway and cart integration go live. You're accepting cards — usually within about 48 hours of applying.
Yes. Travel agencies, tour operators and hospitality businesses can be approved through a processor that underwrites future-delivery risk. Structure Payments approves travel merchants with most accounts live in about 48 hours.
Two reasons. Bookings are paid for well before the service is delivered, so cancellations and chargebacks are more likely, and travel transactions are larger than average, which increases the processor's exposure on each dispute.
Yes. Multi-currency processing is supported, which matters for travel merchants selling across borders and settling in different markets.
Make cancellation and change terms explicit at the point of booking, confirm itineraries in writing, keep customers updated as travel dates approach, and offer a clear cancellation route so customers come to you rather than their bank.
We do everything possible to get you approved, and most merchants are processing within about 48 hours. No obligation to see your real rate.