Merchant Processing for Travel Agencies

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In today’s fast-paced world, travel agencies face unique challenges when it comes to providing seamless experiences for their customers. One of the most crucial aspects of a smooth travel experience is the ability to process credit card payments securely and efficiently.

These businesses enable millions to explore the world, engage in leisure activities, and more.

Sadly, many banks and credit card processors view travel and timeshare businesses as “high risk” and hesitate to offer merchant services.

On the other hand, Moneybox has consistently provided merchant services to travel and timeshare businesses since our inception. We appreciate the services offered by all types of companies within the industry, including those giving airfare, hotel accommodations, timeshare services, cruises, excursions, and more.

Benefits of a Travel Agency Merchant Account

Enhanced Security and Fraud Prevention

Credit card processing systems provide a high level of security, protecting sensitive customer data. By adhering to the Payment Card Industry Data Security Standard (PCI DSS), travel agencies can offer secure transactions and maintain client trust. Advanced fraud prevention tools, such as tokenization and 3D Secure (3DS 2.0), further protect customers and reduce the risk of fraudulent activities.

Improved Efficiency and Convenience

By integrating a reliable credit card processing system, travel agencies can streamline operations and reduce manual work. With features like virtual terminals and online payment gateways, agencies can accept payments from anywhere worldwide, making the booking process more convenient for both the agency and the traveler.

Expanded Payment Options

A robust credit card processing system allows travel agencies to accept various payment methods, including credit and debit cards, e-checks, and even cryptocurrencies. This flexibility enables agencies to cater to a diverse clientele with varying payment preferences, ultimately increasing customer satisfaction and loyalty.

Faster Payment Processing

In the travel industry, time is of the essence. Credit card processing systems enable travel agencies to receive payments quickly, ensuring that funds are available when needed. This rapid processing allows agencies to manage their cash flow more effectively and maintain strong relationships with suppliers such as airlines, hotels, and car rental companies.

Seamless Integration with Travel Management Software

Many credit card processing systems are designed to seamlessly integrate with popular travel management software, allowing for a more efficient and streamlined workflow. This integration enables travel agencies to manage bookings, payments, and customer information in one place, making it easier for them to provide a high level of service to their clients.

Credit card processing plays a vital role in the success of modern travel agencies. By offering enhanced security, improved efficiency, expanded payment options, and faster processing, these systems help agencies provide their clients with the best possible experience. As the travel industry continues to evolve, the importance of credit card processing in travel agencies is only set to grow.

Travel Merchant Account Types

No matter the type of travel or timeshare business you own, providing various payment channels to your customers ensures ultimate convenience. At PaymentCloud, we assist our merchants in accessing a wide range of merchant services. Let’s delve into the different payment methods we facilitate:

Online

Digital payments have gained significant popularity among consumers, making it crucial for your travel business to embrace online payment opportunities. We offer online payment solutions with gateways that integrate seamlessly with most eCommerce platforms, allowing you to accept online payments effortlessly. Our security-focused approach and fraud-prevention tools also ensure that your business benefits from robust chargeback protection.

Retail

Although brick-and-mortar travel agencies are rare in modern tourism, some travel businesses still operate in physical locations. We can assist you if you want to combine online transactions with in-person payment processing. Our retail payment solutions make it easy for customers to pay for tours, rentals, and other travel services!

Over the Phone

Lastly, accepting over-the-phone payments via a virtual terminal is essential for offering proper convenience to your customers. These digital terminals simplify inputting a customer’s credit card information over the phone or via email when the card is not physically present during the sale. Virtual terminals can be a simple way for your customers to pay without needing to visit a physical location and are particularly beneficial for sales hotlines or custom services.

Let’s Delve into the Factors that Make Moneybox a Top Choice for Travel Merchant Accounts:

Affordable Payment Options

At Moneybox, we provide affordable and transparent payment processing to the travel industry. We aim to help merchants save money on processing fees and reinvest those savings into their businesses.

Versatile Products


Our range of products caters to a variety of needs. Whether you require a merchant account (in-person or online), a card reader, ACH & eCheck payments, or any other payment solution, you’ll find it here!

High-Risk Compatibility

We help high-risk businesses access merchant services with customized solutions developed from our years of experience. Our goal is to provide all entrepreneurs with top-quality payment processing solutions, even those turned away by other providers.

Lastly, we understand the unique needs of our travel merchants. We’re excited to provide industry-specific payment services to all of our clients. Whether you want to implement QR code payments to make it easier for your customers or need a custom payment gateway to match your business’s branding, we’re here to help!

Frequently Asked Questions

Moneybox works with most major payment gateways (Authorize.net, NMI, TSYS, and FirstPay). Our travel merchant accounts are compatible with many of the most widely used software suites in the industry. Moneybox works with the following shopping cart platforms such as WooCommerce, BigCommerce, and Magento, along with CRM suites like Zoho CRM and Salesforce. If you’re uncertain about whether your platform qualifies, please don’t hesitate to reach out to us.

What industries does Moneybox Merchant Services accept as clients? Moneybox specializes in mid-risk as well as specific high-risk industries (the terms “mid-risk” and “high risk” are used here from the perspective of the merchant services industry). We are proud to serve the following industries:

  • Accounting & Tax Prep
  • Adult
  • Airlines
  • Alcohol
  • Antiques & Collectibles
  • Apparel & Clothing
  • Automotive
  • B2B
  • Bad Credit
  • Bail Bonds
  • Bar & Restaurant
  • Cigars & Tobacco
  • Cleaning Service
  • Clothing & Apparel
  • Collectibles
  • Continuity / Subscription Products
  • Continuity-Subscription
  • Credit Monitoring
  • Debt Consolidation
  • Dental
  • Digital Downloads
  • Digital Streaming
  • Document Preparation
  • Drop Shipping
  • Ecommerce
  • Educational Seminars
  • Electronics
  • Events
  • Furniture & Home Furnishings
  • Guns & Firearms
  • Gyms, Fitness & Yoga
  • Hair & Beauty Salon
  • Health & Fitness
  • Healthcare
  • High Volume
  • Hotel & Hospitality
  • Hunting & Outdoor Equipment
  • Insurance
  • Insurance / Warranty
  • Jet Charter
  • Law Firms
  • Legal Services
  • Magazine Subscriptions
  • Medical Billing & Coding
  • Medical Supplies
  • Membership & Recurring Billing
  • MLM Companies
  • Moving Companies
  • Nonprofit
  • Nutraceuticals & Supplements
  • Online Dating
  • Pawnbrokers & Pawn Shops
  • Pet Products
  • Precious Metals
  • Property Management
  • Real Estate
  • SaaS Companies
  • Self Defense, Tasers & Stun Guns
  • Seminars & Coaching
  • SEO & SEM Services
  • Smoking Accessories
  • Survivalist & Tactical Gear
  • Taxes and Accounting
  • Tech Support
  • Telemedicine
  • Ticket Agencies
  • Tobacco & Cigar
  • Transportation & Moving
  • Travel & Timeshare
  • Travel Agency*
  • Utility
  • Vape / e-Cig / eJuice*
  • Veterinarians
  • Web Design Services

Please note, this is NOT a complete list; Moneybox Merchant Services Inc. serves hundreds of additional mid and low risk industries, too. We do not have a full list of industries we can work with, instead we keep a list of business that we currently can not support. See our FAQ page for more info. If the opportunity is right we will of course try to be considerate.

Sorry, we are unable to provide merchant services for foreign or offshore businesses, or any company that is headquartered, or operates, outside of the USA. We are also unable to provide merchant services for any business whose owner does not have a valid SSN and US issued identification (driver’s license, US passport, etc). That said we are working to fix this issue and should have a solution early 2025.

Yes, your startup or new business can be approved by Moneybox Merchant Services for a merchant account. We love startups! While newer businesses without processing history sometimes encounter hurdles when it comes to approval, Moneybox has helped many brand new businesses get their start in payment processing.

A high-risk merchant account is designed for businesses deemed as “high-risk.” These types of businesses have a greater likelihood of chargebacks, fraud, or other financial risk factors. High-risk businesses require such accounts to be able to accept credit and debit card payments.

Various industries are considered high-risk because of their inherent attributes. Some examples include CBD (Cannabidiol) products, e-cigarettes, vape products, stun guns, credit repair services, multi-level marketing, adult products/services, pawnshops, dietary supplements, SEO services, and tech support.

No central authority determines a business’s high-risk categorization. Every payment processor or bank sets its own standards, often based on internal risk management criteria. Providers assess businesses based on several detailed information bits to ascertain risk levels.

Factors contributing to a high-risk business include being a new business, having poor credit records or low credit scores, operating in controversial or highly regulated industries, relying heavily on international sales, and previous placements on the MATCH list by payment processors.

High-risk merchant accounts differ from regular accounts in several ways such as having a longer application process, higher payment processing fees, cash reserve requirements, volume caps in credit card processing, higher chargeback fees, and additional requirements based on the business type.

A high-risk business should ensure it maintains healthy cash levels, tries to reduce chargebacks, discloses all relevant information during the application process, keeps its financial documents ready, and adheres to the guidelines set by its payment processor.

A high-risk business can find a suitable merchant services provider by researching and listing down payment processors that cater to their industry. Businesses should consider factors like the processors’ experience in their industry, processing fees, equipment provided, customer support, experience with businesses in the same industry, and support for diverse payment methods.

Moneybox Merchant Services Inc. may not cater to all high-risk businesses (e.g. CBD merchants). It offers an upfront underwriting process that identifies risk factors early, saving the merchant time and potential costs. However, if Moneybox cannot service a particular business, they may recommend a processor better suited to your needs.

Best Processing & Support

“We conducted thorough research and compared different pricing options before settling on a new provider. After careful consideration, we chose Moneybox. We have been happy with the results for years since using their services. We interact with the product daily through their website, and most of the payments are automatically processed using Authorize.Net. We find Moneybox to be a reliable and efficient company.”
– Tom
Tom Bostic
Happy Customer

Fast Service, Unmatched Customer Service

“We changed our website and needed to get a new processor fast. Their prompt service and secure system are unmatched. We have been using their services for a while now and have never had any issues. In fact, they even require us to call them once a year to ensure our system is up to date. As our business continues to grow, we are excited to explore the many options that Moneybox has to offer, including a point-of-sale. They have been our go-to solution for everything, from terminal issues to website processing security. We couldn’t be happier with their exceptional service.”
Valmore Forgett
Happy Customer

Simply Amazing Technical Support

We were starting a new business and needed a reliable company to process our credit card payments. After some research, we found Host Merchant Services and began working with them in January 2021. The staff has been very helpful, and we’ve had positive experiences with both the Compliance team and technicians. We process payments in person using a terminal, and the service and machine have been excellent with no issues.
Tony and Sherry
Happy Customers

Consistent Communication

I had a wonderful experience with this company regarding high risk merchant services. Their consistent communication and daily updates regarding my application status during the approval process were greatly appreciated.
Christian
Happy Customer

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