Deferred capture
Bookings sell weeks before the stay. Hold an authorisation now. Capture the funds at check-in across the right acquirer.
auth holds · capture on stay
See how it worksBuilt for travel & hospitality
Payments that move with every booking and stay.
Travel sells early and settles late. topropay holds the authorisation, captures at check-in, and routes each payment to the acquirer most likely to approve. You keep your PSP contracts. We make the whole stack perform across your EU markets.
What you get
Built for the travel buying cycle
Travel payments have their own rhythm. Long lead times, big tickets and constant changes. The orchestration engine adapts to all of it. Pick the piece closest to your need.
Smart routing
Travel buys span many cards and currencies. We score each one on BIN, currency and 3DS. Then we send it to the acquirer most likely to approve.
routing · cascading · 3DS2
See how it worksMulti-currency
Guests pay from across the EU and beyond. Local acquirers and APMs let each one pay their own way. You add a market as config, not a rebuild.
local APMs · EU coverage
See how it worksRefunds at scale
Cancellations are part of travel. Issue full or partial refunds through the same flow. Every action is logged for dispute defence.
partial refunds · audit trail
See how it worksReconciliation
Each acquirer sends its own settlement file. We ingest and match them into one ledger. Mismatches get flagged, not missed.
one ledger · exports
See how it worksCompliance built in
PSD2, SCA, 3DS2 and PCI scope sit below your stack. We carry the heavy parts. Your team ships features instead of audits.
PSD2 · SCA · PCI DSS
See how it worksThe travel reality
Where travel stacks lose money
From hotels to OTAs, the friction rhymes. topropay was built to remove it without touching your PSP contracts or rebuilding your checkout.
See every industry we powerNo-shows and chargebacks bite
Delayed captures and disputes are common in travel. Clear records and 3DS2 shift the burden of proof. You defend more cases and win more of them.
Seasonal peaks break thin stacks
Volume spikes around holidays and events. A single acquirer caps your approvals fast. Cascading spreads load across many and recovers soft declines.
Every new market means a new build
Launching a country used to need a fresh payment project. With topropay it is a config change. Add a local acquirer or APM and go live.
Finance teams drown in settlement files
Hotels, airlines and OTAs juggle many acquirers. Each file looks different. We normalise fees, captures and refunds into one exportable view.
Booking to settlement
One flow, from auth to ledger
Every travel payment runs the same clean path. Authorise, capture, adjust, reconcile. Here is how a booking moves through topropay.
- Step 1
Authorise the booking
A guest books and we place an auth hold. Routing picks the acquirer with the best odds. The card is verified, not yet charged.
- Step 2
Capture on the stay
At check-in or service we capture the funds. Soft declines cascade to a backup acquirer in the same request. The sale stays intact.
- Step 3
Refund or adjust
Plans change in travel. Issue a partial or full refund through one API. Upgrades and extras settle through the same routed path.
- Step 4
Reconcile in one ledger
Every acquirer file lands in a single dashboard. Captures, refunds and fees line up automatically. Your finance team closes the month faster.
One platform behind every booking
- Auth-to-capture
- Hold a booking now and charge it at check-in across the right acquirer
- Real-time
- Routing and cascading scored on every transaction to lift approvals
- One ledger
- Settlement and reconciliation across all acquirers in one dashboard
- EU-wide
- Local acquirers and APMs tuned for PSD2, SCA and 3DS2 from day one
Talk to our payments engineers
Model the approval-rate uplift for your travel brand.
Book a discovery call. We will map your acquirer setup, scope a single-API integration across your EU markets, and show where deferred capture and cascading recover revenue. No PSP renegotiation. No rebuild.