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Travel & Hospitality

Large bookings, many currencies, fewer declines.

Travel payments are big, cross-border and booked far ahead, which is exactly what processors get nervous about. Orchestrapay routes each booking to the processor best placed to approve it.

London to Lisbon, 2 adults
Flights and 5 nights
€2,840.00
charged in EUR
3D Secure
Approved in banking app
Routed to
Worldpay, EUR account
Rule: amount over €1,000 and country in Europe, force 3D Secure.

Payments in Travel & Hospitality

Why travel payments get declined.

Big tickets trigger declines

A large, cross-border booking looks risky to an issuer, and one processor gives it one chance.

Fixed byReduce declinesRoute by amount, country and currency, and cascade a declined booking to a backup processor.

Fraud and liability on high-value bookings

A fraudulent booking can cost the full fare plus the chargeback fee.

Fixed by3D SecureAsk the bank to authenticate the bookings you choose, and move fraud liability to the issuer.

Processors hold funds or freeze accounts

Booking far ahead of travel means long exposure, and processors respond with reserves and reviews.

Fixed byNever depend on one processorKeep backup processors connected and open more accounts with one application.

Cancellations turn into disputes

A traveller who cannot reach you files a chargeback instead.

Fixed byChargeback AlertsEthoca and Verifi alerts let you refund before a dispute becomes a chargeback.

How it works

From search to confirmed booking.

01

Price in the traveller's currency

Route each currency to the processor account that settles it.

02

Authenticate where it matters

Force 3D Secure for large or cross-border bookings in your routing rules, and let the rest through.

03

Confirm on the processor that says yes

A decline cascades to the next processor in the same checkout, so the booking still confirms.

Questions teams ask before they switch.

Yes. Routing rules can force 3D Secure by amount, country, currency or BIN on the processors that support it.

Tell us where your bookings get declined.

Share your markets, currencies and processors. We will show you how routing and 3D Secure rules would handle your bookings.

  • Keep your current processor
  • 3D Secure where you choose
  • A transparent number before you sign anything

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