GlossaryWhat Are Chargeback Reason Codes? How to Read Them
Learn how chargeback reason codes work, how Visa and Mastercard group them, and which evidence wins fraud, authorization, processing and consumer disputes.
MannyPay Editorial TeamTravel
Travel & Tourism Payment Guides
Payment processing guides for travel & tourism: costs, hardware, fraud, compliance and growth, from the MannyPay editorial team.
Glossary
IndustriesTour Operator Deposits and Final Payment Due Dates That Work
Build a tour operator deposit policy with deposit amounts, final payment deadlines and cancellation tiers that match supplier costs and survive disputes.
MannyPay Editorial Team
Processing BasicsCross-Border Fee vs. Foreign Transaction Fee: Who Pays What
Cross-border fee vs. foreign transaction fee: learn who pays each, how network assessments hit your statement, and how to spot processor markups.
MannyPay Editorial Team
Fraud & Security3-D Secure 2 Explained: Fewer Fraud Chargebacks, Less Friction
Learn how 3D Secure 2 works, when the liability shift applies, and how to trigger it selectively to cut fraud chargebacks with less checkout friction.
MannyPay Editorial Team
IndustriesViator vs. GetYourGuide vs. Direct: What Tour Operators Keep
Compare Viator vs. GetYourGuide commission, payout timing, and cancellation terms with direct booking costs to decide where your tour inventory belongs.
MannyPay Editorial Team
IndustriesSeller of Travel Laws: Registration, Trust Accounts, and Bonds
Learn how seller of travel registration works, how trust account and bond rules control customer payments, and what processors check in underwriting.
MannyPay Editorial Team
Business GrowthMerchant Funds on Hold? Why It Happens and How to Get Paid
Merchant account funds on hold? Learn what triggers a risk review, what documents to send, realistic release timelines, and how to prevent the next hold.
MannyPay Editorial Team
Processing BasicsHow to Improve Authorization Rates: 12 Fixes for False Declines
Learn how to improve authorization rates with 12 fixes for data, tokens, retries, fraud rules and routing that recover sales lost to false declines.
MannyPay Editorial Team
Business GrowthHow to Earn Standard Processing Terms and Shrink Your Reserve
Learn how to reduce merchant account reserve holdbacks with a 6- to 12-month plan, plus the metrics and documents processors want to see.
MannyPay Editorial Team
Business GrowthFalse Declines: Why Good Customers Get Rejected and How to Fix It
Learn how to reduce false declines by decoding issuer responses and tuning AVS, CVV and fraud filters so legitimate customers can finish checking out.
MannyPay Editorial Team
NewsDiscover's New Card Verification Rule for Online Sellers Explained
The Discover card account verification service becomes required for card-not-present sellers Oct. 23. Learn how it works and how to check your gateway.
MannyPay Editorial Team
High-RiskWhat Is a High-Risk Merchant Account? How It Works and Who Needs One
Learn what a high-risk merchant account is, why processors assign one, and how rates, reserves and terms differ, so you know what to expect before applying.
MannyPay Editorial Team
IndustriesVacation Rental Security Deposit vs. Damage Waiver: Which to Use
Vacation rental security deposit vs damage waiver: compare card holds, refundable deposits and waivers so you recover damage costs without losing bookings.
MannyPay Editorial Team
IndustriesVacation Rental Direct Booking Payments: Leaving Airbnb's Checkout
Learn how to set up vacation rental direct booking payment processing, from PMS gateways and deposit schedules to underwriting, taxes and fraud.
MannyPay Editorial Team
IndustriesTravel Agent Credit Card Authorization Forms That Hold Up
Learn what a travel agent credit card authorization form needs, including fields, signatures and secure storage, and why it alone won't win a chargeback.
MannyPay Editorial Team
Processing BasicsInternational Chargebacks: How to Win Disputes From Abroad
Learn how international chargebacks differ, from currency conversion losses to foreign issuers and shipping proof, and build evidence that wins disputes.
MannyPay Editorial Team
IndustriesTravel Chargebacks: Winning Cancelled Trip and Refund Disputes
Learn which travel chargebacks you face most, from non-refundable fares to supplier cancellations, and the evidence that helps you win each dispute.
MannyPay Editorial Team
IndustriesTravel Booking Fraud: Stopping Stolen Cards on Trips and Tours
Travel booking fraud prevention for agencies and tour operators: spot last-minute, third-party card scams and verify bookings without losing real travelers.
MannyPay Editorial Team
IndustriesTravel Agency Merchant Accounts: Why You're High Risk and How to Win
Need a travel agency merchant account? Learn why travel is high risk, what underwriters score, and the documents that win approval on fair terms.
MannyPay Editorial Team
Business GrowthMerchant Underwriting Checklist: Documents to Have Ready
Learn the merchant account underwriting requirements for medium-risk businesses and which documents to prepare so your file doesn't stall in review.
MannyPay Editorial Team
Business GrowthMedium Risk Merchant Accounts: Why Your Business Lands in the Middle Tier
Assigned a medium risk merchant account? Learn why underwriters put you there, what reserves and limits mean, and which risk factors you can change.
MannyPay Editorial Team
IndustriesMCC 4722: How the Travel Agency Code Shapes Your Card Fees
MCC 4722 shapes travel agency credit card processing fees. Learn how interchange, risk markups and reserves work, and how to audit your statement.
MannyPay Editorial Team
NewsMastercard's Global Money Platform: Stablecoins Reach Your Processor
The Mastercard Global Money Platform brings stablecoin settlement and payouts closer to your processor. Learn what changed and what to ask before opting in.
MannyPay Editorial Team
IndustriesFuture Delivery Risk: Why Processors Hold Funds on Travel Bookings
Learn how processors measure future delivery risk in travel, why they hold booking funds, and how to restructure deposits and payouts to shrink holds.
MannyPay Editorial Team
NewsFTC Junk Fee Rule: Total Price Rules for Tickets and Hotels
The FTC junk fee rule for tickets and hotels requires all-in pricing. Learn what the total price must include and how card surcharges fit at checkout.
MannyPay Editorial Team
IndustriesFareHarbor vs. Peek vs. Rezdy: Tour Booking Payment Fees Compared
FareHarbor vs Peek vs Rezdy: learn how to compare booking fees, processing rates and payout timing, and when using your own merchant account makes sense.
MannyPay Editorial Team
Processing BasicsCredit Card Authorization Holds: How Long They Last, How to Release Them
Learn how a credit card authorization hold works, how long it lasts, and how incremental auths and reversals prevent customer double-charge complaints.
MannyPay Editorial Team
IndustriesARC vs. IATA Accreditation: How Airline Ticket Payments Settle
Compare ARC vs. IATA accreditation and host agencies, and learn how airline ticket payments settle, how debit memos hit and how bonds affect cash flow.
MannyPay Editorial Team
High-RiskWhat Is a Rolling Reserve? How Merchant Reserves Work and How to Lower Them
Learn how a rolling reserve works, how it compares with upfront and capped reserves, and practical steps high-risk merchants can take to reduce reserves.
MannyPay Editorial Team