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Travel-Related Electronic Payment Services

Travel-related businesses are considered high-risk merchants due to factors such as frequent cancellations and chargebacks, fluctuations in demand influenced by external events, and potential fraud associated with online bookings and reservations.

While most banks and payment processors shy away from electronic payment services for travel-related businesses, we welcome you. Read more below.

What travel-related business types do we support?

Here are some examples of travel-related businesses we can support. These businesses cater to the travel and vacation industry, offering various options for accommodations and vacation experiences, including traditional hotel stays, timeshare ownership, and vacation club memberships:

  • Airlines

  • Hotels and Resorts

  • Travel Agencies

  • Cruise Lines

  • Car Rental Companies

  • Tour Operators

  • Online Travel Booking Platforms

  • Vacation Rental Platforms (e.g., Airbnb)

  • Travel Insurance Providers

  • Airport Shuttle and Transfer Services

  • Event and Conference Planners

  • Adventure and Eco-Tourism Companies

  • Travel Visa and Documentation Services

  • Travel Loyalty and Rewards Programs

  • Travel Technology and Software Providers

  • Travel Bloggers and Influencers

  • Transportation Services (e.g., buses, trains, ferries)

  • Travel Medical Services and Clinics

  • Destination Management Companies

  • Travel-related Retailers (e.g., luggage and travel gear stores)


Timeshare-Related Businesses:

  • Timeshare Developers

  • Timeshare Resale Companies: 

  • Timeshare Management Companies

  • Timeshare Exchange Companies

  • Vacation Club and Membership Programs

  • Timeshare Exit Companies

  • Timeshare Rental Services

What factors cause a travel business to be considered high-risk?

Travel- and timeshare-related businesses can be considered high-risk merchants due to several factors associated with the industry:


Travel-Related Business Factors:

  1. Seasonal Demand: Travel businesses often experience significant fluctuations in demand throughout the year, which can lead to unpredictable revenue streams.

  2. High Chargeback Rates: Frequent booking cancellations, changes in travel plans, and customer disputes can result in a higher number of chargebacks, especially for online bookings.

  3. Fraudulent Transactions: The travel industry is vulnerable to fraudulent bookings, identity theft, and payment disputes, which can result in financial losses.

  4. Cancellation and Refund Policies: Stringent or inflexible cancellation and refund policies can lead to customer dissatisfaction and disputes, impacting revenue.

  5. Dependency on External Factors: Travel is influenced by external factors like weather, natural disasters, political events, and health crises, making businesses susceptible to disruptions.

  6. Payment Processing Challenges: Some payment processors may be hesitant to work with travel businesses due to perceived risks, making it difficult to secure reliable payment processing solutions.

  7. Market Competition and Price Sensitivity: Intense competition in the travel industry can lead to aggressive pricing and marketing strategies, increasing the potential for customer disputes.

  8. Regulatory Compliance: Travel businesses must adhere to various regulations related to customer data protection, travel insurance, licensing, and safety standards, adding complexity and risk.

  9. Global Operations: International travel businesses must navigate currency exchange rates, cross-border transactions, and varying regulations in different countries.

  10. Consumer Trust: Maintaining consumer trust and reputation is crucial, as negative reviews and social media backlash can impact future bookings.

  11. Environmental and Sustainability Concerns: Increasing awareness of environmental issues can affect travel decisions, leading to shifts in demand and preferences.

Timeshare-related business factors:

  1. Complex Contracts: Timeshare contracts can be intricate and lengthy, potentially leading to misunderstandings and disputes between buyers and sellers.

  2. Resale Risks: Timeshare resale transactions can be fraught with fraud, misrepresentations, and disputes, affecting the resale market.

  3. High Cancellation Rates: Many timeshare owners seek to cancel their contracts, leading to legal challenges and the potential for disputes and chargebacks.

  4. Regulatory Scrutiny: Timeshare practices have faced regulatory scrutiny in various regions, leading to stricter regulations and compliance challenges.

  5. Dependence on External Management: Timeshare properties often rely on external management companies, which can introduce operational and customer service challenges.

  6. Customer Complaints: Dissatisfied timeshare owners may resort to legal action or dispute chargebacks, creating financial and reputational risks.

  7. Complex Fee Structures: Timeshare ownership often involves multiple fees, which can confuse consumers and lead to disputes.

  8. Resale Scams: Scams targeting timeshare owners looking to sell or transfer their ownership can result in financial losses and disputes.


Both travel- and timeshare-related businesses face unique challenges that contribute to their high-risk classification, including the seasonal nature of the industry, consumer expectations, regulatory compliance, and the need for effective dispute-resolution mechanisms. Mitigating these risks involves clear communication, transparent policies, ethical practices, and adherence to relevant regulations.

How can Visioneer Payments help?

Since 1988 we’ve been helping merchants of all types to accept credit card payments. We have developed relationships with multiple banks and payment processors and can match our clients’ requirements with the appropriate financial institution. Approvals are quick and our no-risk agreement is month-to-month with no upfront fees and can be cancelled at any time with no cancellation fees.

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