If banks keep declining your travel or timeshare business, our team is ready to help. We deliver secure travel and timeshare merchant accounts with a dedicated payment gateway, deposit and installment billing, chargeback protection and fraud prevention - built for the way travel sellers actually operate.
Our team specializes in travel and timeshare merchants, which sets us apart from traditional processors that avoid the category entirely. You will work with a dedicated account manager who understands future-delivery risk and helps you choose the payment solutions that fit your business.
We integrate travel credit card processing with the booking, CRM and installment tools you already use - no technical skills required. Once you apply, you will complete a short application covering your services, ticket sizes and processing volume. After underwriting reviews your information, our travel payment processing team finishes setting up your merchant account.
From travel agencies and tour operators to timeshare resorts, vacation clubs and online travel platforms, we provide affordable, reliable travel and timeshare credit card processing tailored to the unique chargeback and regulatory challenges of the industry.
Everything you need to accept payments and grow with confidence.
There are many compelling reasons to choose Karma Card Payments for processing credit card transactions for your travel or timeshare business. Here are the key benefits our travel and timeshare payment solutions offer.
Our travel payment gateways are designed to help agencies and resorts take deposits, full payments and installments compliantly. We give you secure, flexible options - including support for high-ticket bookings and scheduled payment plans that travel and timeshare sales often require.
Chargebacks are a serious concern for travel sellers, where bookings are paid now and delivered later. Beyond lost revenue, excessive chargebacks can trigger penalties and account termination. We use advanced prevention tools to protect your travel merchant account and help you contest illegitimate disputes.
Fraud prevention is built into every travel transaction we process. Our solutions flag stolen-card and high-risk bookings before they post - essential protection given the high-ticket, future-delivery nature of the travel and timeshare space.
The travel industry spans many models and ticket sizes. We provide omnichannel travel and timeshare payment processing for agencies, operators and resorts of every size.
Share your contact details and a member of our travel payment processing team will schedule a call to build the right travel and timeshare merchant account for your business.
Answers to the questions travel and timeshare businesses ask us most about accepting payments, deposits, fees and getting approved.
We provide omnichannel travel and timeshare payment processing so you can take payments wherever your customers book:
Online: We offer secure travel payment gateways for card bookings, deposits and balance payments from any device.
In person: We provide POS systems and card readers for resort desks, sales centers and agency offices.
Over the phone: Our virtual terminals make it easy to take bookings and installment payments over the phone.
Travel and timeshare processing fees typically range from 3% to 5%. Because bookings are paid in advance of travel and carry elevated dispute risk, they are classified as high-risk and rates run above standard retail.
We focus on affordable travel payment processing, placing your account with travel-friendly banks and adding prevention tools to keep your effective rate and your merchant account healthy.
To speed up approval of your travel and timeshare merchant account, gather the following before you apply:
Your website should use an SSL certificate and HTTPS and include your legal business name, contact details, a Privacy Policy, Terms & Conditions, a Refund and Return Policy, and clear pricing so underwriting can approve your account quickly.
Banks classify travel and timeshare sellers as high-risk because of future delivery - customers pay now and travel later - along with high ticket sizes, cancellations and elevated chargebacks. A specialized travel processor matters - we underwrite travel merchants every day and build in the protections that keep your account open.
Most travel and timeshare merchant accounts are approved within 24-48 hours once we have your completed application and supporting documents. Because underwriting for high-risk accounts is more detailed, having clean statements and a compliant website ready is the fastest path to approval.
