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Payment solutions

Online travel

Accelerate travel supplier payments, optimize cash flow, and reduce the risk of fraud.

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The problem

Online travel agencies need real-time payment solutions to pay their hotel, airline, and car rental partners without tying up their operating capital. This highly competitive industry demands the lowest prices and error-free payments.

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The solution

Modern virtual cards can make funds available for payments in real time as transactions are approved. This eliminates the need for prefunding cards and reduces the risk of error and fraud. Visibility into transaction data provides a better understanding of customer behavior for more effective rewards programs.

Real world: online travel

Purchase of travel on an app or website

Travel website

Travel booked

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A traveler books a trip and confirms their itinerary.

Marqeta platform

Virtual card created

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A virtual card is created to pay the hotel, airline, car rental agency, etc.

Travel providers

Card charged

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The travel provider runs the card just as they would any Visa or Mastercard.

Marqeta platform

Spend evaluated

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Managed or gateway spend controls can be customized to minimize fraud and ensure funds are only used as intended.

Travel providers

Auth requested

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Marqeta’s platform is contacted by the appropriate network for authorization.

Travel website

Notification received

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Marqeta webhooks allow real-time notifications upon transaction completion.

Marqeta platform

Funds released

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Just-in-Time (JIT) Funding releases funds to the card on approval and in real time to complete the transaction.

Traveler providers

Transaction completed

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Authorization is successful and the payment is confirmed.

Travel website

Travel booked

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A traveler books a trip and confirms their itinerary.

Marqeta platform

Virtual card created

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A virtual card is created to pay the hotel, airline, car rental agency, etc.

Travel providers

Card charged

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The travel provider runs the card just as they would any Visa or Mastercard.

Marqeta platform

Spend evaluated

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Managed or gateway spend controls can be customized to minimize fraud and ensure funds are only used as intended.

Travel providers

Auth requested

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Marqeta’s platform is contacted by the appropriate network for authorization.

Travel website

Notification received

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Marqeta webhooks allow real-time notifications upon transaction completion.

Marqeta platform

Funds released

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Just-in-Time (JIT) Funding releases funds to the card on approval and in real time to complete the transaction.

Traveler providers

Transaction completed

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Authorization is successful and the payment is confirmed.

How it works

See how Marqeta creates card programs for online travel

Key benefits for online travel

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Virtual cards

Pay travel suppliers instantly by issuing a virtual card for each booking.

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Spend controls

Control supplier payments by adjusting for inventory markup and pay the supplier less than what is collected from the traveler.

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JIT (Just-in-Time) Funding

Avoid prefunding cards and tying up capital. Pay in real time, optimize cash flow, and manage peak volumes without exceeding credit limits.

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Dynamic spend controls + Gateway JIT

Apply your own rules and participate in transaction authorization in real time.

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Inject metadata into each transaction record

Automate reconciliations by appending matching metadata, such as the Booking ID, to the transaction record as purchases are authorized.

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APIs to email/fax virtual cards​

Work with your supplier’s existing payment infrastructure.

Marqeta Cards

Launch your next payment innovation

Let's talk about your use case and how we can help.