ONLINE TRAVEL AGENCIEScardflo.ioEvery declined card
is a lost booking.
Cardflo is the payments partner for OTAs: we take the money, orchestrate it across providers to approve more of it, and close the sales that happen outside your checkout.
Take payments
Card payments for flights, hotels and packages: online checkout, deposits, balances and add-ons, all through one connection to Cardflo.
Orchestrate
One gateway in front of several providers. Smart routing, automatic retries on soft declines and failover when a provider drops, so one “no” doesn’t end the sale.
Pay by link
Send a secure payment link by email, SMS, WhatsApp or chat, and turn a phone or chat “yes” into a paid booking in seconds.
ONLINE TRAVEL AGENCIEScardflo.ioThe traveller wants to book.
The payment says no.
High-value, cross-border, booked weeks ahead: travel payments are exactly the kind issuers question. Many of those declines are genuine customers who would have paid.
of genuine card payments
are declined on the first attempt, for reasons unrelated to the cardholder’s intent or funds.
of annual revenue
is lost by travel merchants to payment failures, according to industry analysis.
provider = 1 point of failure
One acquirer means one set of approval rules, and no plan B when it declines or goes down.
The opportunity: a declined booking rarely comes back. Recover it in the same checkout, and it becomes revenue.
Industry benchmarks: Payneteasy, “Smart Transaction Routing” (June 2026); Yuno, “Payment Orchestration for Travel” (May 2026)
ONLINE TRAVEL AGENCIEScardflo.ioThree tools.
One goal: more paid bookings.
Payments
Card payments for every part of the trip, at the moment of booking.
- Checkout and assisted sales
- Deposit, balance and add-ons
- One connection to Cardflo
Gateway orchestration
One integration in front of several providers, routing every payment.
- Route by card, country and currency
- Retry soft declines automatically
- Fail over when a provider drops
Pay by link
A payment link wherever the conversation happens, paid on their device.
- Email, SMS, WhatsApp or chat
- No card details read aloud
- Close the sale while they’re warm
Proven in travel: multiple travel companies already run their payments through Cardflo.
ONLINE TRAVEL AGENCIEScardflo.ioOne gateway. Many providers.
Orchestration sits between your checkout and your payment providers, deciding in milliseconds where each payment goes and what happens if it fails.
One integration
Integrate once with Cardflo and reach several acquirers and payment providers behind it.
Smart routing
Send each payment to the provider most likely to approve it, by card country, currency, card type or amount.
Cascading retries
If a provider returns a soft decline, retry instantly with another. The traveller never sees the first “no”.
Automatic failover
If a provider slows down or goes offline, traffic moves to the next one. Checkout keeps taking bookings.
Volume distribution
Split traffic across providers to balance costs, protect relationships and avoid depending on one partner.
Rules you control
Change routing as your markets, providers and peak seasons change, without rebuilding your checkout.
ONLINE TRAVEL AGENCIEScardflo.ioA decline happens.
The booking still goes through.
Traveller pays
£1,840 package, card issued in Germany.
Cardflo routes
Rule: German card, EUR → Provider A.
Soft decline
Provider A returns “do not honour”.
Cascade
Retried instantly on Provider B.
Approved
Booking confirmed. One payment for the traveller.
Without orchestration
The traveller sees an error, tries another card, or books elsewhere.
With Cardflo
The retry happens in the same checkout session, invisible to the traveller.
Only where it makes sense
Hard declines such as stolen cards or invalid numbers are never retried.
Illustrative transaction. Provider names, rules and amounts are examples.
ONLINE TRAVEL AGENCIEScardflo.ioRules built for how travel is sold.
Typical routing rules OTAs configure, each one aimed at a specific source of lost bookings.
| WHEN… | THE GATEWAY… | WHY IT MATTERS |
|---|---|---|
| Card issued in the EU, paid in EUR | Route to a provider acquiring in Europe | Domestic-looking payments face less issuer scrutiny than cross-border ones. |
| High-value long-haul booking | Route to the provider with the strongest high-ticket approvals | Large travel baskets are where declines cost the most. |
| Soft decline: “do not honour” | Cascade to a secondary provider | Recovers genuine customers flagged by one provider’s path. |
| Provider outage or timeouts | Fail over automatically | Flash sales and peak booking windows keep converting. |
| Payment in USD | Route to a provider that settles in USD | Avoids unnecessary currency conversion on your margin. |
Example rules. Your configuration is defined with the Cardflo team around your providers and markets.
ONLINE TRAVEL AGENCIEScardflo.ioWhat could you win back?
additional approved bookings for every £100m processed
Before counting bookings saved by failover during outages, or travellers who would never have returned after a decline.
Your number, not ours: share your decline data and we’ll model the uplift on your own traffic.
Industry benchmarks: Payneteasy, “Smart Transaction Routing” (June 2026); Yuno, “Payment Orchestration for Travel” (May 2026). Illustrative model, not a guaranteed result.
ONLINE TRAVEL AGENCIEScardflo.ioThey say “yes” on the phone.
They pay in seconds.
Not every booking happens on your website. Pay by link lets your agents take payment the moment a traveller commits, with no card details read over the phone.
Create the link
Set the amount for the trip, extra or balance agreed.
Share it anywhere
Email, SMS, WhatsApp or live chat, wherever you are talking.
The traveller pays
They open the link and complete payment on their own device.
Sell at the moment of intent: every hour between “yes” and payment is a chance for the traveller to change their mind.
ONLINE TRAVEL AGENCIEScardflo.ioA trip. An extra. A balance.
One link closes each one.
Every OTA has payment moments that happen outside the website checkout. Each one is revenue waiting for a link.
The call-centre booking
Your agent builds the itinerary with the traveller. The moment they agree, a link lands in their inbox.
The upgrade or extra
Seats, bags, transfers or a room upgrade agreed after booking. Send a link and take the extra revenue.
The balance due
Deposit taken, balance due before departure. Send a link when it falls due under your terms.
ONLINE TRAVEL AGENCIEScardflo.ioTravel companies already trust Cardflo.
Make your OTA next.
Multiple travel companies
already use Cardflo.
One partner for payments, gateway orchestration and pay by link, so your team focuses on selling travel, not managing payment plumbing.
| YOU NEED | CARDFLO DELIVERS |
|---|---|
| More approved bookings | Smart routing and cascading across providers. |
| No single point of failure | Automatic failover between providers. |
| Fewer integrations | One gateway connection to many providers. |
| Paid phone and chat sales | Pay by link, sent wherever you talk. |
ONLINE TRAVEL AGENCIEScardflo.ioMore than a gateway.
A payments partner.
Everything around the payment matters as much as the payment itself. Cardflo supports the full picture, so your team isn’t stitching providers together.
Reconciliation
Match payouts, fees and bookings across providers in one place, instead of reconciling statements by hand.
Reporting and insight
See approvals, declines and performance by provider, market and card type: the data behind your routing rules.
One team behind it all
Payments, orchestration and pay by link from a single partner, with people who understand how travel is sold.
ONLINE TRAVEL AGENCIEScardflo.ioFind your lost bookings.
Then win them back.
Start with a payment uplift review: we look at where your bookings decline today and show what Cardflo orchestration could recover.
Your decline data
Approval rates and decline reasons by market, card type and provider.
Your uplift
We map routing and cascading rules to your traffic and size the opportunity.
On the Cardflo gateway
Payments, orchestration and pay by link, working together for your OTA.
More approvals. Fewer lost bookings.
ONLINE TRAVEL AGENCIEScardflo.ioSimple, transparent pricing. From 0.4% IC++.
Interchange-plus-plus pricing: you see the true card cost and our margin separately, with no blended rates hiding what you actually pay.
Our margin, on top of interchange and scheme fees passed through at cost.
Transparent by design: interchange and scheme fees at cost, our margin shown separately.
One commercial relationship: payments, orchestration and pay by link under a single agreement.
Shaped to your volumes: final rates depend on your volumes, markets and card mix.