BoazPay places travel businesses with acquirers that understand future deliverables, refund cycles, and supplier risk — the three reasons most processors classify travel as high-risk.
No application fee · No setup fee · Decisions in 48–72 hours
Customers pay months in advance for trips they may cancel — creating long-tail chargeback liability that standard risk models can't price accurately.
If a supplier (hotel, airline, tour operator) fails, merchants face mass chargebacks for services they sold but can't deliver — a risk most processors don't want.
Travel transactions often run $500–$10,000+ per booking. Each chargeback represents significant financial exposure to an acquirer.
A single weather event or geopolitical disruption can trigger thousands of chargebacks in a week — a scenario mainstream processors don't have reserve structures to absorb.
| MCC | Description |
|---|---|
| 4722 | Travel Agencies |
| 4511 | Airlines |
| 4411 | Steamship / Cruise Lines |
| 7011 | Lodging |
| 7012 | Timeshares |
MCC assignment is at the acquiring bank's discretion. Your BoazPay account manager will confirm your MCC during underwriting.
Typical industry rate: 0.5% – 1.5%
Travel chargeback ratios typically run 0.5%–1.5%, with seasonal spikes. BoazPay enforces clear cancellation and refund policies, requires authorization holds vs. immediate capture where appropriate, supplies real-time chargeback alerts, builds reserve structures that match your supplier-payment timing, and provides representment support for the highest-volume dispute categories.
Most travel applications decision within 48–72 hours. Cruise resellers and timeshare structures take longer due to enhanced supplier-risk review.
Typical travel discount rates range from 3.50% to 5.95% plus $0.20–$0.35 per transaction, with rolling reserves of 5%–15% sized to your supplier-payment timing. Future-deliverable products carry higher reserves than same-day services.
Your custom quote depends on your industry, volume, and history — get a free assessment in 60 seconds.
No application fee · No setup fee · No long-term contract
Questions? Call +1 (602) 812-0363 or email info@boazpay.com
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