How to find the best travel agency merchant account

Sep 27, 2013

Travel agencies, timeshare merchant accounts, theaters, movies, and pharmacies are among the high-risk pool in the merchant account arena. This means they have the risk of having chargebacks, or refunds, given to customers months after things have been paid for. People change plans or vacations just can’t be done during that week, or the movies just won’t fit into the schedule. Our everyday lives are strewn across a calendar, and it wreaks havoc on the business industry.

If you need to find a travel agency merchant account, you are in luck. The industry has grown over the last few years, with the help of social media and the smartphone. Customers can find you twenty-four hours a day, no matter where they travel. Their booking strength has grown over 57 percent with the introduction of mobile apps and mobile sales.

With a Click

The moment a customer thinks about something, they can reach for their phone and explore it and book it. No more waiting to get home and find the computer, it’s already with them. The growth has been exponential and explosive.

The Industry Responded

With such a saturation of bookings, the market had to respond to the requests, and from it grew a marketplace for the travel industry. Just explore the web and you can find many merchant account agencies that will happily assist you with your merchant account for your travel agency.

Social media has bombarded the smallest business to the largest of the giants, by forcing it in the faces of everyone 24/7. Needless to say, it opens the doors for many agencies and keeps the deals going. No more trying to locate them in the phone book. We all know with the typing of the key, one can find almost anything out, and the deals for trips are as close as the screen on the computer or the phone. Not to mention all the other devices that you can search with.

So with all this, although the risk is still high for the merchant servicers, their industry has stretched and now provides to the travel industry businesses; banks from offshore that will fund the accounts needed for you.


Take the time to search among all of the choices. It very well could be mind-boggling, but with that research will come the best of ideas. You can find the least fees and lower transaction percentages. You can decide if you want to use a mobile app and have your customer representatives move through the crowd, or do you prefer the lines and the computers. It’s completely up to you. Maybe you can decide to use both.

Not only that, but you can decide if you can live with their high-risk account rules. If one doesn’t work, you can choose another. No more are the days when your bank has you wrapped up the fees.

In the high-risk pool

Even though you still remain in the high-risk pool for your timeshare merchant account, your percentages will remain in an escrow account for the chargebacks. As a new customer, you will have a three to six-month period to deal with that. If you continue being a wonderful customer and follow the rules, in no time, your money will be fully returned to your account and you will be a fully involved merchant account customer. Means, that all the money is yours.

Good luck with your choices and your endeavors.



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Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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