Seamlessly Integrated With Your Travel Ecosystem
ConnexPay works with your existing travel technology stack, requiring minimal changes to your operations while delivering maximum financial benefits. Our platform connects directly to your booking systems, CRMs, and accounting software for true end-to-end payment optimization.
Bundle the customer’s trip and experience in one transaction
Stop processing multiple transactions with customers, or get out of the risky business of customer card pass throughs to make supplier payments. Show your travelers who’s in charge as Merchant of Record!
Get immediate access to funds to pay suppliers
No waiting for settlement over the course of days or weekends. ConnexPay gives you customer sales funds immediately in order to issue payments to complete the customer’s itinerary.
Report and reconcile with daily detailed reports
Eliminate reconciliation headaches with one consolidated view, delivered daily. Our transaction reporting captures key data points throughout the entire lifecycle from booking through completion.
Are You Keeping Up With Today's Accelerated Payment Requirements?
In an industry where bookings happen 24/7 and travelers expect instant confirmation, outdated payment systems create dangerous friction points. Traditional payment setups force travel companies to wait days for funds to settle before securing inventory, potentially losing those coveted airline seats or hotel rooms that your customer is counting on.
Stop Payment Acceptance Issues From Impacting You
Some carriers and international suppliers are notorious for declining virtual cards from lesser payment providers. Our specialized payment options, including UATP for airlines and Global VCCs for international suppliers, ensure that you can book globally
Eliminate Weekend and Holiday Payment Delays
Traditional banks halt settlements during non-business days, but travelers continue booking. ConnexPay gives you immediate access to incoming funds, so you can instantly pay suppliers and secure inventory over weekends and holidays—making Monday mornings more enjoyable.
Protect Your Travel Agency's Reputation
Payment failures create ripple effects in travel. Itineraries are jeopardized and your travelers’ loyalty may be challenged. Our robust payment intelligence and specialized travel expertise ensure your customers' travel plans stay intact and your reviews remain positive.
Configure Your Travel Payment Operations For Maximum Impact
Treat your unique business to a payment solution that's built for travel's specific challenges. ConnexPay offers flexible configuration options that adapt to your business model, supplier mix, and growth trajectory.
Process Traveler Payments With Credit Card, Mobile Wallet, and More
Scale sales through your website, mobile app, or hosted payment pages and branded payment links. We handle PCI compliance and fraud protection with built-in 3D Secure authentication, letting you focus on selling amazing travel experiences to your customers.
Use Credit or Pre-funding To Increase Payment Issuing Capability
Leverage our integrated credit facility or bank-to-bank funding. Either way, you'll have funds available instantly when customer payments are approved—not days later after settlement.
Issue Payments To Suppliers with Virtual Cards Instantly After the Sale
The second the traveler’s sale processes for the entire amount, you’ll be able to issue virtual cards to pay airlines, hotels, cruises, and more. We maintain over 90 BINs, including specialized options like UATP for airline payments and Global Travel VCCs for international suppliers.
Classic Payment Methods
From ACH and wire transfers to Push-to-Card payments, we ensure you can pay any supplier through their preferred method. We’ll even handle check processing for suppliers that still require paper checks!
Frequently Asked About PayIns
Find answers to your questions about customer acquisition solutions and services below.
When paying suppliers internationally, ConnexPay transparently passes through any FX or cross-border fees incurred, not marking them up for profit. Specific FX handling depends on the card product and currencies involved. For any travel payments, our Global Travel card allows you to pay suppliers in any currency without incurring any cross-border or FX fees.
A PayIn is a method of funding the account balance to make payments, whether using customer payments or operating capital. PayOut refers to any method of making a supplier or vendor payment, as well as balance transfers or wires.
You do not need an entity in the United States to be able to pay in USD. ConnexPay's solution allows for USD payments regardless of where your business is located.
ConnexPay supports funding card payments in USD, EUR, GBP, and CAD as our core issuing currencies. The currency used to fund card payments typically needs to match your account's designated accounting currency. For international payments, ConnexPay offers currency conversion services, though fees may apply for conversions.
Being Merchant of Record means you're officially responsible for processing customer payments, which provides several benefits: greater control over the payment process, direct relationship with customers, ability to manage chargebacks and disputes, opportunities for enhanced data collection, and potential for increased revenue through card rebates. It also allows for more flexibility in payment options offered to customers.
Yes, ConnexPay offers Client VCC Decisioning functionality that allows clients with proper permissions to override and directly decision authorizations. This feature enables clients to approve or decline authorization requests for our issued cards based on our own criteria.
ConnexPay supports payments in multiple currencies including USD, EUR, GBP, and CAD for our core issuing currencies. Our Global Travel VCC support payments in over 60 currencies worldwide.
ConnexPay offers credit card processing (accepting payments) in the United States, Europe, Canada, and is expanding internationally. Our virtual card issuing capabilities have broader, full international reach.
Apply online, complete underwriting, then connect to our API or portal. Most customers go live in 2 – 4 weeks, and some in as little as 7 days.
Apply online, complete underwriting, then connect to our API or portal. Most customers go live in 2 – 4 weeks, and some in as little as 7 days.
ConnexPay's business model is built around the integration of both acquiring (PayIns) and issuing (PayOuts) to provide a complete payment solution that simplifies cash flow management. While some clients may start with just one service (like issuing-only "Lite" clients), the full value proposition comes from using both services together to benefit from straight-through processing, reduced prefunding requirements, and optimized rebates.
For most clients, rebates are automatically applied to your account balance. The specific timing and delivery method of rebates may vary based on your agreement with ConnexPay and the funding model you're using (such as Flex Funding).
Rebates are typically processed monthly and are included in your monthly invoice or settlement.
ConnexPay offers various rate options including our Flex Card (a variable-rate virtual card with over 30 dynamic rates), or our Global Travel VCC with tiered interchange rates (ranging from 100-200 basis points) for price-sensitive suppliers. For UATP cards, the interchange cost to merchants varies from 165-197 basis points.
Intelligent PayOuts (IPO) is ConnexPay's patented decisioning engine that systematically determines which cards should be accepted and what virtual cards should be issued to maximize acceptance and rebates. IPO uses the supplier information submitted with card requests to determine the optimal card brand (Visa or Mastercard) and settings for each specific supplier. It's enabled by default for all clients to optimize payment success rates.
ConnexPay offers several card products including: single-use Virtual Credit Cards (VCCs), Lodged Cards (can be used multiple times over months/years), exclusive products like our Global Travel VCC (for international payments with no FX Fees), and UATP cards (specialized for airline payments). We also offer different card classes like Commercial Credit, Consumer Credit, and Prepaid Commercial cards.
ConnexPay offers Visa, Mastercard, and UATP card brands for issuing virtual cards. Each brand has different acceptance rates and cost structures, and ConnexPay's Intelligent PayOuts feature can help optimize which brand to use for specific merchants.
Virtual cards are better than traditional credit cards because we offer enhanced security (single-use or limited-use numbers), better control (spend limits, expiration dates, MCC restrictions), simplified reconciliation (with rich transaction data), and reduced fraud risk. we also integrate seamlessly with payment systems and provide detailed reporting.
Yes, ConnexPay's virtual cards are widely accepted by airlines, hotels, and hospitality brands. ConnexPay offers specialized payment solutions like Global Travel VCC and UATP cards specifically designed for travel industry payments. UATP cards in particular are accepted by over 400 airlines worldwide.
There are no costs to issue ConnexPay's virtual cards.
ConnexPay offers various pricing models including interchange plus pricing for acquiring transactions and revenue share models for issuing services. The specific pricing depends on your business type, volume, and which services you use. Special programs like Global VCC or UATP cards have specific pricing structures, and features like 3D Secure authentication may have per-transaction fees.
To get started with ConnexPay, businesses need to complete an application process that includes financial underwriting and KYC (Know Your Customer) verification. Specific requirements include having a legal business entity, a business bank account, and meeting minimum processing volume thresholds. For acquiring payments (PayIns) in Europe, a physical entity in the region associated with the currency is required.
ConnexPay is unique in offering an integrated payment solution that combines both acquiring (PayIns) and issuing (PayOuts) in a single platform. This allows for streamlined payment processing where funds from customer payments can be directly used to pay suppliers. ConnexPay's model reduces the need for prefunding accounts and offers enhanced fraud monitoring, direct integration with major card brands, and specialized solutions for industries like travel and advertising.