Merchant Accounts For Travel & Timeshares

SoarPay Is The #1 Merchant Account For Travel Businesses & The Timeshare Industry.

Application Secured By SSL Technology

SoarPay Is The #1 Choice For Timeshare And Travel Merchant Services.

Why Are We #1? Because every client gets three guarantees (whether you’re a travel package provider, an excursion company, a timeshare reseller, or any other kind of travel business):

  1. Instant Online Quote. When you submit your application, you’ll get an instant price quote to DocuSign. No offline paperwork, no faxes, no waiting.
  2. Industry Minimum Pricing. You will automatically receive Industry Minimum Pricing in your online quote. No more frustrating haggling with sales reps.
  3. USA-Based Customer Support. When you call or email, you’ll always speak to our friendly support team, based in Houston, TX.

Click Here to Apply Online Now. It takes about five minutes, and you’ll receive an instant price quote to DocuSign.


Travel And Timeshare Credit Card Processing

Why We Proudly Accept Travel And Timeshare Businesses (Even When Many Processors Don’t)

Many credit card processors do not accept travel and timeshare businesses for four reasons: (1) The first, is that travel and timeshare businesses tend to sell high ticket items. That is, their average product or service is often over $100.00 and in some cases well into the thousands of dollars. That’s important, because large transactions are charged back more frequently, and the risk to the credit card processor is higher because of the size of those potential chargebacks. (2) The second reason, is that the nature of the goods or services that are provided by travel or timeshare related businesses are prone to chargebacks. Customers often have a change of plans, whether its about their upcoming vacation purchase or their timeshare purchase or resale listing. Contrast that, for example, with a restaurant, which rarely encounters chargebacks due to a “change of heart”. (3) Some merchant services providers consider travel and timeshare businesses to be high risk because many businesses in this industry accept payment well prior to providing a service. For example, a vacation package provider might accept payment a full year before the vacation takes place. This business model, inherently, is vulnerable to increased chargeback rates. (4) And finally, travel and timeshare businesses often rely on third parties for service fulfillment. For example, a travel provider is relying on an airline to fly the customer, or a timeshare broker is relying on the timeshare owner to fulfill their end of the transaction. In either case, the introduction of third parties into the transaction create increased opportunities for customer dissatisfaction and potentially larger chargeback exposure. As a result of these four risks, many merchant account providers decline to accept travel and timeshare related businesses.

Soar Payments, by contrast, has consistently served the travel and timeshares industries since its founding. Our extensive relationships with credit card processors and their sponsor banks who have the capability to underwrite businesses with increased chargeback risk exposure, in addition to our integrated chargeback and friendly fraud prevention software, make Soar Payments uniquely positioned to provide timeshare and travel merchants with stable, effective, and affordable credit card processing solutions.

Questions? Call Our Team: 1 (888) 225-9405


Types Of Travel And Timeshare Merchant Accounts

Soar Payments offer a full-array of merchant accounts to timeshare and vacation brokers, and other businesses in the travel and timeshare industries. These include:


A retail merchant account for timeshare or travel enables businesses to accept in-person credit card payments via a traditional credit card terminal or point of sale system.

Best suited to retail businesses with reliable wired internet access, retail travel and timeshare merchant accounts typically have the lowest chargeback risk and receive the lowest merchant account pricing.
Apply Now


A mobile merchant account for timeshare or travel, enables businesses to accept payments via a swiper that plugs into a mobile phone or iPad.

Ideal for tour providers or other travel or timeshare businesses that conduct in-person sales outside of a traditional storefront, these merchant accounts have lower chargeback risk, and are priced as retail.

Apply Now

Virtual Terminal

Also called a payment gateway merchant account, companies can accept payments over the phone, via mail, or typed into a computer (without outside equipment).

Our timeshare and travel payment gateway merchant accounts integrate with most major CRM and software platforms. Due to increased fraud risk, Soar Payments offers integrated chargeback protection with these merchant accounts.

Apply Now


eCommerce timeshare and travel merchant accounts allow your company to accept debit and credit cards via your website’s checkout page.

Our eCommerce credit card processing accounts integrate with most major CMS and shopping carts, making setup simple. Due to increased fraud and chargeback risks, however, we offer integrated chargeback protection software.

Apply Now

Frequently Asked Questions

Here are common questions specific to travel and timeshare merchant accounts:

  • What are the requirements to be accepted for a merchant account?

In addition to completing an application, travel and timeshare businesses typically have to meet a few additional requirements in order to be approved for a merchant account. These include:

      • Businesses selling airline tickets (or packages that include airline tickets) will need to have an ARC Bond in place.
      • Travel businesses will need to be able to list the cruise lines, airlines, hotels, etc. that they work with and provide documentation (usually in the form of an agreement) showing the relationship they hold with those companies.
      • Both travel and timeshare businesses are often asked to provide details on how they process sales and what an average / high ticket size could consist of (that is, a breakdown of what products are included in an average or large package for example). Sometimes invoice samples are requested as well as sample customer agreements.
      • Typically, travel and timeshare businesses will be asked how they perform their marketing.
      • For timeshare businesses, the business owner will need to be able to tell the underwriter reviewing their application who owns the timeshares.
      • A Terms & Conditions and a Privacy Policy will be required on the company’s website.
  • What types of travel and timeshare businesses do you accept?

Soar Payments accepts a wide range of US based, US operating travel and timeshare businesses. These include, but are not limited to, travel package sellers, excursion companies, hotel and lodging companies, airlines, timeshare issuers, and timeshare brokers and listing companies. It is important to remember that each merchant account is individually underwritten and approved, therefore your companies timeshare or travel merchant account approval may have unique terms.

  • What chargeback and fraud protection technology do you offer to protect my business?

All Soar Payments clients, regardless of industry, are offered a full range of chargeback and fraud prevention tools. Due to the unique risks facing the timeshare and travel industries, however, we offer these businesses customized solutions.
For example, eCommerce timeshare and travel businesses need a system in place for confirming the customer’s actual identity at the time of the purchase, in order to prevent fraudulent purchases (that end up becoming chargebacks), and to prevent customers who have a “change of heart” from using the chargeback system to fraudulently claim that they didn’t make a purchase as opposed to using the company’s refund policies and procedures. To that end, we offer a specialized payment gateway that uses a number of data points to confirm the identity of the purchaser, match it to the credit card, records a digital signature, and records all of the data. Thus, chargebacks are prevented, and those that occur due to fraud, are effectively defeated by the business.

Have another question? Click here to read our full FAQ.


How Does The Application Process Work?

Step 1. Apply Online

Complete the online application process (it takes 5 minutes). Click here to begin.

Step 2. Get An Instant Quote

You’ll instantly receive a quote with Industry Minimum Pricing to DocuSign.

Step 3. Start Accepting Payments

Our Houston based Customer Support Team will help you get set up, fast and easily.

Click Here to Apply Online Now. It takes about five minutes, and you’ll receive an instant price quote to DocuSign.