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Dash/Process

Travel & high ticket

Standard program

Travel and ticketing payment processing

Future delivery is the whole risk. Money collected months before travel is an acquirer liability until the customer flies.

Commonly assigned MCC

4722 · 7011 · 4511 · 7997

The category actually assigned is set at boarding and can differ from these.

Reviewed

The short version

Travel is the textbook future-delivery vertical. A customer pays in March for an October trip, and for those seven months the acquirer carries the exposure — if the operator fails, the disputes come back to the bank. That is why reserves in travel are structural rather than punitive.

The variables that move terms are the delivery window, whether client funds are held in trust, and what bonding or financial protection is in place.

What is actually being priced

What underwriting is looking at.

Long delivery window

The gap between charge and travel is the exposure period, and it is priced directly into reserve terms.

Correlated cancellation

Weather, carrier failure or a public health event produces thousands of simultaneous disputes rather than a normal distribution.

Third-party dependency

You may have delivered perfectly and still face disputes when an airline or hotel does not.

What their lists say

Stripe, Square and PayPal on travel & ticketing.

Their own published policies, quoted verbatim and dated, next to where the category stands with our acquiring partners.

Stripe

Restricted · approval required

“Travel reservation services and clubs”

'Commercial airlines and cruises' and 'Timeshare services' are listed as prohibited.

Square

Not listed

PayPal

Restricted · approval required

“Airlines and scheduled or non-scheduled charters/jets/air taxi operators.”

Named for airlines and charters; other travel is not named.

Dash Process

Standard program

Written around future-delivery reserve structures, with deposit-and-balance billing on the gateway.

What we ask for
All twenty categories, with sources

In the product

What your application looks like from your side.

The same five stages we publish on the site, a named contact, and the document list for travel & ticketing in one place — received, requested, or not needed.

How it works
Meridian Botanicals/Application
Sandbox
  1. Apply
  2. Underwriting
  3. Approve
  4. Integrate
  5. Live

Underwriting in progress

Acquiring review · Travel and ticketing program · MCC 4722

In review

Documents · 3 of 4 received

  • Average booking-to-travel windowReceived
  • Trust account, bonding or financial protection arrangementsReceived
  • Supplier agreements and cancellation termsReceived
  • Two years of financials where availableRequested
Illustrative · figures are fictional, not a quote

What we put in place

  • Acquiring programs built around future-delivery reserve structures
  • Deposit and balance billing on the gateway
  • Multi-currency acceptance and settlement
  • Reserve terms negotiated against trust accounts and bonding evidence

What underwriting will ask you for

Assemble these before you apply anywhere. The list does not get shorter by waiting, and having it ready is the single biggest thing you control about how long this takes.

  • Average booking-to-travel window
  • Trust account, bonding or financial protection arrangements
  • Supplier agreements and cancellation terms
  • Two years of financials where available
Why each document is on the list

Questions

About travel & ticketing.

Because the card networks let a customer dispute a service that was not delivered, and the window between payment and travel is exposure the acquiring bank carries. Reserve structures in this vertical are built around that window, and we explain them month by month before you sign.

On this account

What an account in this vertical usually runs on.

Also in travel & high ticket

Next

High-ticket retail

Tell us about your travel & ticketing business.

We will tell you which of our acquiring partners writes it and what your file needs before it goes anywhere.

Get approvedAsk a questionor call (347) 594-9686