Travel & future delivery
Airline & Ticket Booking merchant accounts, placed with banks that write the category.
Needs a bank that writes the category on purpose. Roughly 5–10 business days, a dedicated gateway, and usually a reserve.
The underwriting objection
Why banks flinch at this category.
Air consolidators and OTAs carry future delivery plus instant redemption: the ticket can be used within hours of purchase, which makes fraud losses immediate and irreversible. Refund and schedule-change disputes push chargeback volume higher than almost any other e-commerce category. Banks want fraud tooling that works at authorization, not after the flight.
Recommended setup
- Gateway
- High-risk gateway with 3-D Secure, vault and manual-review queue
- Settlement rail
- Card-not-present primary, ACH for agency settlement
- Reserve expectation
- Rolling reserve expected against unflown ticket liability
- Equipment
- API integration plus virtual terminal for agent-assisted bookings
What we actually do
How we get this file boarded and keep it boarded.
Specific to your category — not a generic high-risk brochure.
Fraud screening at authorization — BIN velocity, name-to-card matching, and manual review triggers on same-day travel
3-D Secure enforced on high-risk itineraries while low-risk bookings stay frictionless
Refund and schedule-change policy written so it survives a representment
Multi-currency and cross-border acceptance where you sell internationally
The process
Four steps, no mystery.
For airline & ticket booking, the honest window is: 7–10 business days with IATA/ARC or consolidator documentation.
- 1
Call or send the form
Fifteen minutes. We confirm the category is one we can place and tell you which documents matter for your file specifically.
- 2
Document package
You gather statements, IDs and any category paperwork. This is the step that decides your timeline — a complete package moves fast.
- 3
Multi-bank submission
We submit to the banks that write your category, in the order most likely to approve on the best terms. Declines get diagnosed, not repeated.
- 4
Board and monitor
Gateway configured, equipment shipped or checkout integrated, chargeback alerts on. Then we watch your ratio and go back for better terms once history proves out.
Accounts placed through our processor and banking network
Free statement analysis
Get a airline & ticket booking account underwritten properly.
One application, submitted to the banks that write your category. If your current account is frozen or at risk, tell us on the form and we will work speed first.
Terrab Solutions is a registered agent/ISO partner. Rates and approval subject to underwriting. Estimates are not a binding quote.
Straight answers
Airline & ticket booking questions
7–10 business days with IATA/ARC or consolidator documentation
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