No Chargeback Payment Gateway for Travel Merchants

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No Chargeback Payment Gateway for Travel Merchants

Are you a travel merchant looking for a proven method to process payments with no risk of chargebacks?  You’ve landed in the right spot.  Now you can quickly and easily accept online payments with no risk of chargebacks. 

The bank-to-bank transfers direct payment platform was created specifically for high risk ecommerce businesses including travel merchants.  The addition of secure bank transfers to your checkout page boosts profits with no risk of chargebacks. 

Bank transfers are the safest online payment method available for travel merchants and your customers.  Buyers pay you on your checkout page without revealing any financial information. Payments are like cash so there is no risk of chargebacks.

  • No Chargebacks.  Eliminate chargebacks.  Payments are like cash.  Once travelers authorize the transaction, payments cannot be charged back. 
  • Rapid Settlements.  Your funds are rapidly deposited to your bank account within 1-2 business days.
  • No Reserves.  Finally, payment processing for travel merchants without reserves.  Free up your working capital.  Eliminate the risk of losing reserves or waiting up to 6 months to get your money back. 
  • Unlimited Processing Volume.  Travel merchants have no caps on volumes.  Process as much as you want.
  • Protect Existing Merchant Accounts.  Mitigate processing risk. Ecommerce payments with bank transfers have no chargebacks.  And are an effective strategy to help keep card chargeback ratios under control.
  • Simple Application.  Much easier than applying for card or ACH merchant accounts.  Far   fewer documents are required.  Rapid approvals speed time to market.  Get more orders faster. 
  • Privacy for Buyers.  Many consumers do not want to provide sensitive financial data to ecommerce travel merchants.  Secure online payments with bank transfers give travelers a way to pay you without disclosing payment data.     
  • Superb Alternative Payment Method.   Excellent option for travel merchants who target US travelers to get more sales.  
  • Most Secure Online Payment Method.   Bank transfers are authorized in real time without travelers providing sensitive payment data.  Once travelers authorize the payment, funds are guaranteed to the travel merchant and cannot be charged back by the buyer.   


How the No Chargeback Payment Processor Gateway Works

Travel merchants love secure online payments with bank transfer because transactions are like cash.  When a traveler authorizes the purchase, funds are guaranteed. 

Also known as “push payments” bank transfers are the most secure method for travelers to pay you. Travel merchants are happily surprised by the number of travelers who want to pay with a bank transfer instead of a card or echeck.  Since no sensitive financial information is disclosed, travelers feel safe purchasing from you.

Travelers pay you through checking or savings accounts.  No registration is required.  No financial data is entered on your website.  The traveler’s bank authorizes the identity of the customer.  Travel merchants enjoy secure online payments with real time authorization, guaranteed funds, and no risk for chargebacks.

  1. On your checkout page, travelers choose bank transfers as the preferred way to pay. Travelers choose their online bank and are automatically directed to the bank’s website to login.  More than 98% of American banks are integrated with the secure online payment bank transfer platform.
  2. Travelers login to their online banking portal. The invoice for the purchase is automatically displayed.  The traveler authorizes the purchase. 
  3. Once the payment is made, travelers are redirected back to your website to view and print the purchase receipt.
  4. You receive immediate notifications when payments are made.  Orders can be fulfilled immediately, and funds are guaranteed to you. 
  5. Funds from bank transfers are deposited to your bank account within 24-48 hours. Online reporting makes it easy to track and mange all payments in real time.
  6. Paying for travel with a bank transfer does not require any customer enrollment or registration.  Buyers simply access their online bank for completely secure online payments.

When bank transfers are offered as another payment option at checkout, travelers who do not want to disclose card or bank account information to travel merchants still can buy from you.  You enhance customer trust and satisfaction.  While increasing your bottom-line profits.

Gain a competitive edge by adding secure online payments bank transfers to your travel checkout page. The more ways customers can pay you, the more sales you make. 


Will Travelers Use Bank Transfers to Pay?

Travel merchants often ask if travelers are comfortable paying with bank transfers.  The answer is a resounding yes.

Many travelers prefer secure online payments with bank transfers over cards.  These travelers do not want to disclose sensitive financial information to travel merchants and welcome the opportunity to pay with a bank transfer. 

Other travelers simply prefer to pay for travel and other high-ticket items through a bank account rather than a card.  Although ACH and echecks are alternative payments, these types of transactions can be charged back in a similar way as cards can be.  There are no chargebacks with bank transfers which eliminates the risk of being paid from a bank account. 

Offering banks transfers on your checkout page is a winning strategy for both travel merchants and travelers.  Make it easy for travelers to book with you by accepting multiple types of payments.  Still, of all the current ecommerce payment options, bank transfers are the only secure online payment method authorized in real time with payments guaranteed to you. 

Many buyers opt to pay with a bank transfer, resulting in lower overall chargeback ratios for credit card transactions. Which helps travel merchants reduce chargebacks & safeguard credit card merchant accounts. 


No Chargebacks Merchant Accounts Help Travel Merchants

Offering a no chargeback payment option at checkout is a smart move for travel merchants.  While all types of ecommerce businesses can benefit from the payment option, it’s particularly helpful for travel merchants interested in reducing overall chargeback risk while gaining additional customers.  

Travel merchants are particularly vulnerable to chargebacks.  In fact, the main reason travel merchants are considered high risk by acquiring banks is chargebacks.  Chargebacks happen when travelers call their card issuing banks to dispute a transaction. 

When a chargeback is initiated, card issuing banks generally side with the traveler rather than the travel merchant.  The traveler is a customer of the card issuing bank so it’s easy to understand why the chargeback system is skewed in favor of consumers over travel merchants.

When a chargeback occurs, travel merchants lose the money for the booking; must pay fees assessed by the card brands; and also are at risk of exceeding chargeback ratios required to keep card merchant accounts in good standing. 

There are three primary reasons acquiring banks are concerned about chargebacks from travel merchants.

  • High average sales tickets. Transportation, accommodations, tours, and other costs associated with a trip can add up.  Travelers strapped for money seek to defray travel expenses by charging back a transaction for travel.  When this occurs, even though the transaction was a good one, travel merchants are hit with what is known as “friendly fraud.”   
  • Advance purchase. Expenses associated with a trip are often bought months in advance. The extended time period between payments for a trip and actual travel can cause consumers to cancel when plans change or buyer’s remorse sets in.  This is another common example of “friendly fraud”
  • Industry. Bankruptcies & financial failures within the travel industry were the cause of many banks losing money with travel merchants.  Banks are ultimately on the hook to make consumers whole if a travel business folds.  Many banks shy away from boarding travel merchants because of past negative experiences with the industry.

Travel merchants can lose credit card processing accounts if chargebacks exceed the ratios required to keep accounts in good standing.  

A no chargeback payment method helps mitigate processing risk.  More transactions paid for with bank transfers helps keep card chargeback ratios under control.


Secure Online Payments Boosts Sales, Decreases Fraud, and Protects Travelers

The travel industry incurs an estimated $25 billion in fraud and chargebacks each year.  Fraud is rampant on the internet. 

According to Pew Research, only 10% of American travelers are ‘very confident’ that websites are capable of keeping their credit card information secure.   And 70% of buyers decide on which payment type to use based on how secure the payment method is perceived to be. 

Secure online payments with banks transfers answers travelers’ concerns about buying online by providing a safe way to pay to ecommerce purchases.  Travelers purchase from you without the need to disclose any sensitive financial information, ensuring security for online payments. 

More than 50% of ecommerce shoppers worry worried about privacy and identity theft.  Fears are reinforced by continuous news reporting data breaches and theft of financial data at major retailers, ecommerce sites; government agencies, and institutions. 

Almost 40% of ecommerce shoppers have abandoned shopping carts due to concerns about security.  It’s clear that perceived security of payments impacts sales. 

Secure online payments with bank transfers are authorized via a real time bank response.  The traveler’s own bank authenticates the identity of the purchaser prior to authorizing the sale.

Bank transfers are simply the most secure way for travelers to pay online and for travel merchants to receive payments.  Fraud is eliminated.  Chargebacks do not occur.  And payment for travel is guaranteed. 


How to Apply for a No Chargeback Travel Merchant Account

Travel merchants discover applying for secure online payments with bank transfers much simpler and quicker than applying for a credit card merchant account. The application process is automated with electronic delivery and rapid processing of the paperwork needed to set up the account. 

Once you decide to move forward, the application package is securely sent to you via email. You submit the completed application form along with a few supporting documents. Far fewer documents are required to establish secure online payments with bank transfers than card or ACH merchant accounts. 

Supporting documents include:  Color copy of a passport or driver’s license; voided check with information for settlement of processing funds; and Articles of Incorporation or LLC. 

Approvals are fast.  Implementation is easy.  Travel merchants processing over $100K per month are welcome to use an API for direct integration to websites.  And ecommerce travel merchants of all sizes can take advantage of plug-ins for fast implementation with no need for technical expertise. 


Why Travel Merchants Choose PaynetSecure for Ecommerce Payment Processing?

For more than 20 years, travel merchants have successfully used our services to establish ecommerce merchant accounts.  Payment methods offered include credit & debit card processing, ACH, electronic checks, secure ecommerce bank transfers and other alternative payment options preferred by buyers throughout the world. 

With no chargeback bank transfers, you expand your sales, protect your customers, and expand your profits.  Here are the primary benefits to you.

  • Funds are Guaranteed.  Once a bank transfer payment is authorized by the traveler, your money is guaranteed. Transactions cannot be revoked or charged back.
  • Fast Settlements.  Streamline your cash flow.  Money from bank transfer payments are settled to your bank account within 1-2 business days. 
  • Real Time Authorization.  Immediately receive notification when a payment is made. Quickly fulfill orders.  Satisfying consumer demand for fast delivery of ecommerce travel purchases.
  • Enhance Customer Trust. Travelers pay you without revealing any sensitive financial information.  Protect privacy while increasing trust.  The more travelers trust you, the more sales you will make.
  • Easy to Use.  No registration is required. Secure online payments bank transfers for ecommerce purchases is as easy as using any other payment method. 
  • Say Good-Bye to Chargebacks, Declines and NSF.  Mitigate processing risk.  Protect echeck and credit card processing travel merchant accounts by reducing over all chargeback ratios.
  • Bank Security Protects Against Fraud.  Keep your business and your customers safe. Travelers securely pay online with a bank transfers. Eliminate fraud.  And payments to you are guaranteed.   
  • New Sales.  Get orders from consumers who do not want to reveal financial information when buying online.  And get sales from travelers who do not have cards, are maxed out on cards or who simply prefer to pay with a bank account instead of a card
  • Travel Merchants Welcome. Superb payment method for ecommerce travel merchants.   No reserves.  No chargebacks.  No worries. 
  • Plug-ins:  WordPress / Woo-Commerce / Shopify.  Fast implementation. Speeds time to market.
  • API.  For high volume merchants that want direct integration to websites.

Let Us Work for You

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Payments power profits. PaynetSecure specializes in high volume & high risk merchant services. Over the past 18 years, the company has successfully provided proven, reliable & secure payments processing to thousands of US & international businesses. Securely accept cards payments. Add alternative payment methods that drive more orders and accelerate sales. Access specialized processing solutions designed to increase your profits, while reducing risk. Discover top notch service, dedicated support, and devotion to your complete satisfaction. Contact us anytime for a free, no-obligation consultation. Your complete satisfaction is our goal. 


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