Accepting Credit Cards from Customers

Please note we specialize in helping travel type of businesses get setup with merchant account processing. To get the process started, please email or call us and an agent will assist you with the application process.

In this economy where more and more transactions are either processed online, through websites, or in person, taking credit cards like Visa and MasterCard from customers and clientele is vital for your business survival. As you know as a consumer yourself most of your own travel tends to be booked online these days. And even those agents, consultants, companies that swipe a credit card a person, few customers carry around large amounts of cash. Instead they frequently use a debit or credit type of transaction to make purchases with your company. That's why it's so important as a business owner that specializes in travel related products and services to accept these type electronic transaction payments. It could mean the difference between staying in business or going under.

Unfortunately most banks do not want to process travel related businesses. Their prime a concern is chargebacks or change of travel or no-shows. Whereby a customer disputes to charge on their credit card. Travel packages all-inclusive ones especially tend to be very expensive. These are for to as large ticket items versus small ticket. Ticket size refers to the invoice or receive so for example a $50 ticket is small this is the transaction size. Where as if you are running through transactions that are 5 to 10,000 at a time there's a lot more risk involved for the merchant account processing bank to process this large transaction size. Merchant credit card processing banks tend to like to process small dollar amounts because the chance for losses are minimal. But say for example you are booking five or 10,000 our packages, you book 30 of them, and a natural disaster happens like a hurricane. Now you have customers calling her credit card companies disputing the charges. These charges might've been booked and charged months ago but are now resulting in chargebacks that are difficult to prevent. So this is where the high-risk nature of travel related companies comes in. We work with businesses such as:

  • Exotic Tour Vacation Packages

  • Small Business Tour Operators

  • Airline Booking Reservations

  • New or Established Businesses

  • High Risk Credit Card Processing Services

  • Travel Friendly Banks

Rates for a travel companies be it an offline service or an ecommerce shopping website will vary depending on the nature of the business. For off-line companies where you are swiping a credit card in person, your rates will be lower this is known as card swipe, in person transactions. Generally these rates are lower because you can also identify the person in check their identity. Fraud rates tend to be lower for these type of companies. A typical range for a travel agency in person is usually in the 2 to 3% range sometimes lower and sometimes higher. For an Internet e-commerce company that specializes in the travel industry, their rates will be higher. In general Internet merchant accounts for travel businesses will have higher rates. And this again is due to the nature of the business, the fact that it is online and difficult to check identity, and in general Visa and MasterCard associations, charge banks higher transaction fees for travel companies. These fees are passed on to the merchant at a higher rate. There is no way to get around these type of high rates for travel companies. However the business can ultimately pass on these higher transaction rates to the consumer or purchaser.

We routinely help your type of companies get set up for merchant account processing, the easiest way to get started is to contact us through our email form or call us to speak with one of our friendly customer service. Representatives


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