Travel & high ticket
Travel and ticketing merchant accounts
Commonly assigned MCC
4722 · 7011 · 4511 · 7997
The category actually assigned is set by the acquirer at boarding and can differ from these.
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 we put in place
- Placement with acquirers experienced in 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
On this account
What a boarded account in this vertical usually carries.
Also in travel & high ticket
Tell us about your travel & ticketing business.
We will tell you whether a route exists right now, which acquirers are writing the category, and what your file needs before it goes anywhere.