Chargebacks arrive months after the stay

Store the booking and stay evidence

Deposits and final folios don't reconcile

Link deposit, folio and checkout

Industry guide · Underwriting Requirements

Travel and hospitality merchant account requirements

Underwriting is not looking for a reason to say no. It is looking for enough evidence to say yes, and most delays are a missing document rather than a decision.

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25+ YEARS

of payment processing
experience

25+ YEARS

of payment processing
experience

Underwriting Requirements · Travel & Hospitality

One organized file. Fewer surprises.

A complete, accurate file saves back-and-forth and helps partners make informed decisions.

01Verify the business and principals
02Collect industry-specific documents
03Present the complete transaction story

What we review

Practical details. Real context.

Owner identification and verifiable business details.
Bank and processing statements where available.
Products, delivery, refund and dispute policies.
Additional industry and licensing records as required.

We translate your business model into a clear application, anticipated risk review, required licenses, customer journey, financial records and fulfillment evidence.

Travel & Hospitality workflow

Know the transaction before the rate.

01Take the booking deposit
02Hold the card
03Settle the final folio
04Handle refunds and disputes

Documentation checklist

Build a complete submission.

Booking and cancellation policies
Average stay value and booking window
Seasonal volume history
Bank and processing statements

AltirasPay prepares and supports the file. The acquiring bank decides approval, pricing and terms.

Meet Pyper

Need help with the details?

Pyper can explain the steps, prepare questions for an expert and help you understand what comes next.

Ask Pyper

How the money reaches you

Underwriting is reading a description of this path. The clearer it is, the less there is to ask about.

GUESTBOOKING ENGINE / PMSPAYMENT GATEWAYACQUIRING / PAYMENT PARTNERSETTLEMENT

Running alongside: DEPOSIT HOLD · TOKENIZED CARD ON FILE · MULTI-CURRENCY · CANCELLATION RECORD · OTA / CHANNEL DATA · RECONCILIATION.

What gets built for travel, resorts & hospitality

Deposit & Folio Structure

Take the booking deposit, hold the card for incidentals and settle the final folio as linked records, so the deposit, the stay and the refund all point to the same reservation.

Stay Evidence

Keep the record that answers a dispute that arrives months after checkout.

Seasonal Capacity

Peak season can look like a volume spike to an acquirer. Documenting your booking window and seasonal history up front helps the partner set limits that fit the calendar.

International Guests

Support the workflows foreign-issued cards need.

Channel & OTA Reconciliation

Direct bookings, travel agents and online travel agencies pay on different schedules. We help match each payout to the booking it came from.

Show Us How Far Ahead Guests Book.

Booking window, average stay value and cancellation terms decide more about the right structure than anything else on an application.

The exact document list depends on the business rather than the industry, so we resolve it against what you tell us instead of sending everyone the same checklist. Pyper can give you yours in about a minute.

Applying commits you to nothing and is not an approval. The acquiring bank decides placement, pricing and terms — we build the file and tell you honestly what it is likely to meet.