Payments for travel and hospitality
High ticket sizes, international cards, and a refund rate no other vertical carries. A declined booking is lost to a competitor within minutes, and refund handling is half your support load.
The problem
How payments actually hurt in travel
Generic payment advice misses what's specific to your category. These are the failure modes we see most often here.
Ticket sizes make MDR material per transaction
On a ₹80,000 booking, a quarter point of MDR is ₹200 per transaction. At volume that's a line item your CFO can see from across the room.
A declined booking is gone
Travel purchases are comparison-shopped in real time. A failed payment doesn't get retried — the customer books the next tab.
International cards fail on domestic-only rails
Inbound travellers paying on foreign-issued cards get declined by acquirers that aren't set up for them.
Refunds and cancellations are constant
Cancellation is a normal part of the product, not an exception. Slow or manual refunds become support tickets and chargebacks.
What we do about it
How PayVizio is set up for travel
High-value routing
Amount-band rules keep large bookings on your most reliable acquirer, where a decline costs the most.
International card acceptance
BIN and card-country rules route foreign-issued cards to acquirers that can actually authorise them.
Fast, idempotent refunds
Full or partial refunds by reference, posted straight back to the ledger — safe to retry, impossible to duplicate.
Chargeback lifecycle
Evidence upload and deadline tracking for disputes, which travel attracts more than most categories.
Failover on booking flows
Cascading failover gives a declining transaction a second route before the customer sees an error.
Lower MDR at ticket size
Rate shopping matters most where each transaction is large — the saving per booking is immediately visible.
Run the numbers
What is this costing you today?
Three inputs, no form. If the number is uncomfortable, the written audit shows you exactly where it's going.
Your numbers
What that is costing you
Avoidable payment cost, per year
₹6.00 L
₹50K a month — modelled at an effective 1.70% versus your 1.95%.
₹6.67 L
Working capital unlocked by moving 1 day earlier
₹36.00 L
Annual GMV recovered at a 1.5% authorisation uplift
Indicative model, not a quote. It assumes a 0.25% improvement on your effective MDR, T+1 settlement, and a 1.5% authorisation uplift from failover and retries. Your actual numbers depend on business category, payment mix, and volume — the audit works them out from your real statements.
Other industries
We work across these too
Find out what payments cost your travel business
A free, written payment cost audit against your real numbers. No integration, no obligation.