Industries

Get a merchant account for the travel industry

Get a merchant account for your travel business

What is a travel merchant account?

A travel merchant account (travel agency merchant account) is a type of merchant account designed for travel agencies, travel agents, and other companies in the travel industry. Such accounts have several travel merchant services that make the financial experience much easier and more productive. It’s a suite of payment solutions built into a single account, designed for travel merchants. They are also designed to handle issues with chargeback payment volumes and chargeback ratios. The travel payment processing will handle risky transactions and even fraudulent transactions. If you are looking for a travel merchant account, Genome is the right place to be!

Industries

Why travel businesses need a merchant account built for the industry

Travel businesses operate under unique conditions: advance bookings, delayed fulfillment, international payments, high chargeback volume, and very specific refund policies. A standard merchant account with a standard payment gateway often fails to support these business models, leading to frozen funds, declined transactions, much higher fees, or account termination.Because travel merchants are often considered high-risk, working with a specialized merchant account provider helps reduce unnecessary declines and improve long-term account stability. A high-risk merchant account designed for the travel industry offers travel-specific advantages:

International payments

Receive payments from clients worldwide using debit or credit cards, Pay by Bank, and alternative payment methods like Google Pay, Apple Pay (coming soon).

Processing of various currencies

Multi-currency processing to support global bookings and international markets, and eliminates any currency risk (coming soon).

Easy checkout

Seamless checkout for travel websites, mobile apps, and booking engines.

Speed of settlements

Faster settlements compared to traditional banks and payment aggregators.

Analytics' tools

Full analytics for tracking travel booking flows, payments, and customer behavior.

Let your customers pay via your app exclusively

Operate globally with Genome

Expand your travel company internationally with Genome’s travel merchant services. Benefit from SEPA batch payouts and pay your local partners and branches. Open as many travel merchant accounts as you need for your multiple websites and manage them from one dashboard. Accept funds instantly via the Pay by Bank payment method or let clients pay with cards. Access earned money fast with shorter settlement periods than is generally available on the market. Genome makes the terms for payment processing for the travel industry flexible.

Open merchant account

Core features designed for travel payments

Travel payment processing requires flexibility, scalability, and strong risk controls. A reliable travel merchant account includes features built specifically for the travel sector. These merchant services allow travel companies to process payments efficiently while supporting complex travel business models across multiple regions.

Accept money from travelers worldwide

Use our travel merchant account to enable fast, secure payments from travellers across the SEPA zone via SEPA Instant and SEPA Credit Transfers. Debit and credit card processing will be available soon, giving you even more payment methods inside the travel agency merchant account.

Seamless checkout for websites

Genome provides hosted payment pages that work as a website-ready checkout, so you can receive funds without building your own payment page infrastructure. Customers are redirected through a secure link to complete the payment, which helps keep the checkout fast and smooth.

Open Banking-powered payment processing

Genome offers instant bank transfers, with a dedicated merchant account for travel agencies to accept SEPA Instant Credit Transfers. It enables clients to make payments using the Pay by Bank option. Skip high transaction fees and slow settlement, and choose a faster, more cost-effective option.

Faster settlements compared to traditional banks

Genome instant payouts let customers pay you via SEPA Instant Transfers in seconds, with funds settled straight into your business account. Use the money right away to reinvest, cover expenses, or make outgoing payments with no waiting time. It helps your travel agency / travel company keep cash flow moving.

Multi-currency account integration

Accept payments received via SEPA transfers and settle them directly into your euro business bank account. Exchange funds between your multi-currency accounts in EUR, USD, GBP, PLN, CHF, JPY, CAD, CZK, HUF, SEK, AUD, and DKK. Benefit from our seamless payment processing - manage operations with ease.

Secure solution and fraud protection

Genome protects your data and payments at all times. We are an electronic money institution licensed and supervised by the Bank of Lithuania. Genome is PCI DSS, PSD2, DORA, and GDPR compliant, and holds ISO 27001/27701 certifications, ensuring you can accept payments securely.

Merchant Services

How to open a merchant account inside Genome

Open merchant account

Open a business account and fully set up your Genome business profile before applying for a merchant account.

In the Merchant Dashboard, go to Accounts and click the “+” button to start your merchant account application.

Complete verification (KYC) by filling out the Merchant KYC questionnaire and uploading the required documents.

After review, create your payment page(s) and select a settlement account. Once it's “Ready for processing”, you can start accepting payments.

Security and compliance for travel payments

Travel merchants operate in a high-risk vertical, making security and compliance critical. A travel merchant account must include strong protective measures to reduce fraud, chargebacks, and regulatory issues. As an EU-licensed provider, Genome offers SCA and PSD2 compliance and advanced fraud prevention tools and risk monitoring. Secure hosted payment pages and encrypted data handling are also included. You also get PCI-level protections to safeguard customer payment data. These security measures help travel businesses maintain account stability, protect funds, and ensure uninterrupted payment processing even under elevated risk levels.

Industries

Get access to the Genome ecosystem:

Dedicated IBAN accounts

Genome gives your company a dedicated business IBAN account as soon as you start a business wallet. With our IBAN, you can manage day-to-day SEPA Instant and Credit payments more smoothly and present a more professional banking setup to partners and clients.

Issue corporate Genome cards

Order Visa debit cards for your travel agents and representatives to control every company expense. Or use a virtual card with instant activation for corporate online payments. Both virtual and physical corporate cards can be quickly ordered inside Genome.

Multi-currency accounts

Genome’s multi-currency accounts let you hold and manage balances in 12 currencies: EUR, USD, GBP, PLN, CHF, JPY, CAD, CZK, HUF, SEK, AUD, and DKK. You can open additional currency accounts in minutes and keep your funds separated for different purposes.

Batch payments

Genome makes batch transfers simple, so businesses can handle large C2B and B2C transactions by sending multiple payments at once. Streamline your operations and scale faster. Receive instant notifications about incoming C2B payments.

Shared account feature

Give your employees and teammates separate secure access to the company's business accounts with no password sharing. Add and restrict access with a few clicks. Assign the employees different tasks to share the workload when it comes to business wallet management.

Genome app

The Genome app for iOS and Android lets businesses manage their finances on the go with real-time access to key features. It offers strong security, simple account controls, and easy transaction tracking. You can use Genome anytime, from anywhere in the world.

Merchant services

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Do you have any questions regarding Genome?

Find answers here or contact us using the application form

Who can apply for a merchant account for the travel industry?

Travel agencies, tour operators, online travel platforms, travel services, and other travel merchants are eligible to apply. Both startups and established travel businesses are eligible for travel agency accounts, subject to risk assessment.

What documents are required?

To accept credit card payments or local payment methods, tour operators and relevant companies require payment solutions from payment providers. Payment processors will require a set of documents from such businesses. Typically, necessary documents include company registration details, ownership information, business model descriptions, and refund policies. An additional verification process may be requested due to the high-risk nature of travel payments.

Which currencies can I process?

Payment processing for most travel merchant accounts supports multiple currencies, allowing you to accept international transfers and settle funds in major global currencies at competitive rates.