Risk level: Medium risk

Payment orchestration for travel and mobility

Travel sells high tickets months before the trip, in many currencies, with cancellations and refunds built into the business. Orchestration gives the agency's PSP cards with Apple Pay, iDEAL in the Netherlands, PromptPay in Thailand and mada in Saudi Arabia, routes a large payment to the acquirer that approves it, cascades a decline, sends refunds through the provider that took the payment and journals every booking's payments for disputes.

What goes wrong without orchestration

A large booking is declined by the one acquirer, the traveller books elsewhere, and nobody sees that another acquirer approves that BIN every day.
A tour operator cancels a season, the chargebacks arrive together, and the acquirer raises the reserve on the whole portfolio.
A traveller paid by card, was refunded partly by bank transfer and disputed the rest, and the three records never meet.

What orchestration changes

Routing of each payment by BIN, country, currency and amount to the acquirer that approves it; cascading of a decline to the next acquirer or a local method; Apple Pay for booking on the phone; full and partial refunds through the provider that took the payment; limits per merchant and terminal and a rolling reserve where the acquirer asks for one; every payment, refund and chargeback journaled for five years with a trace to the booking. The agency’s PSP enables the methods from the catalogue; the licensed provider settles the funds.

Methods by market

Europe and North America: Visa and Mastercard with Apple Pay; iDEAL in the Netherlands, on request.
Thailand: PromptPay, instant, paid from any Thai banking app; refunds go back as payouts.
Saudi Arabia: mada, the domestic card scheme, next to Visa and Mastercard, on request.

Typical methods

VI Visa Cards · 22 countries Available MA Mastercard Cards · 22 countries Available AP Apple Pay Wallets · 24 countries Available ID iDEAL Open Banking · 1 countries On request PR PromptPay QR payments · 1 countries Available MA mada Cards · 1 countries On request

Frequently asked questions

Why do acquirers treat travel as medium risk?+

The service is delivered long after the payment, so a cancelled operator or trip turns into chargebacks; acquirers answer with reserves and limits, which orchestration applies per merchant and terminal.

Who holds the licence?+

The agency’s or operator’s PSP or acquirer, Tranzify’s client. Tranzify supplies the software; it does not onboard merchants, hold funds or perform KYC.

Do refunds follow the original payment?+

Yes: through the provider and method that took the payment — a card or iDEAL; PromptPay has no refund flow, so the money goes back as a payout. The journal links the refund to the booking.

See the platform on your own flows

Thirty minutes with an engineer, not a sales deck: your providers, your routing rules, your merchants' checkout.

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✓ Money never passes through us
✓ Built to PCI DSS requirements