Why Credit Card processing For Air Travel Merchant Accounts Is Considered Risky

When making a list of merchants with the highest risks regarding credit card processing, travel agencies shouldn’t be left out.  To begin with are the poor statistics that prove travel agency customers are prone to chargeback disputes and claims than others.  For that reason, travel agencies are listed in the same group of high-risk companies such as adult merchants, escorts, fortune tellers, companion services and odds making.

As a result of this policy, new travel agencies today find it tough to create a merchant account, since most processors are willing to work only with dealers who have experience in credit card processing.  This step is to ensure that the candidate can manage risks satisfactorily to sort out customer claims and keep chargebacks within reasonable limits. Well-known travel agencies are strictly observed to ensure they remain focused on risk management.

Therefore to mitigate the risks of credit card processing whether you are new to the airline business or have been in the business for years, you should;


Understand your risks

Before you think of applying for an air travel merchant account, worry about understanding the possible agent liability that comes with selling air tickets online. Understanding the level and nature of risk exposure is the first step to minimizing and protecting your agency from losses due to chargebacks from client claims and fraudulent transactions.

Set up card acceptance procedures

To mitigate risks if a customer files a dispute, or if a client uses a fraudulent card, you will need to come up with card acceptance procedures and policies to avoid the following.

Though an authorization request approved by the card issuer shows that a credit card account is valid, this approval is neither enough proof that the legal cardholder is behind the purchase nor a guarantee of payment. In most cases, airlines are left to account for fraudulent “card-not-present” transactions, even in instances where the issuer approved the card in question.

While your travel agency may not necessarily be a Visa or MasterCard merchant, the airline is a MasterCard and Visa merchant and therefore subject to the Credit Card Associations’ rules. Be warned that the airline will transfer financial accountability to your travel agency in most fraudulent transactions as stated in the contract.

When choosing a payment processor, ensure you select one with knowledge in dealing with travel agencies. Your selected processor should assist you in setting up and implementing fraud prevention measures. Also, they should be proactive in noticing and pointing out potential points of weakness in your credit card processing cycle.

5 Ice Climbing Tips for Beginners

Ice climbing is a great winter sport. Ice climbing can be the most exciting yet difficult type of climbing. Many people will tell you their stories of how difficult it was to ice climb for the first time. But never let others fearing statements stop you from having this experience. You should prepare yourself by having the best ice climbing equipment and these 5 ice climbing pro tips for beginners:

  1. Pick the right gear: Take a moment to think about which gear you should essentially have. Here are a few things that you will need.
  • Helmet: You probably have these items already if you are a rock climber (or a wall climber).
  • Boots: Your boots should have traction or spikes to support your movement on the ice.
  • Ice tools: You need a set of special tools to climb on the ice such as crampons and ice picks.
  • Climber’s rope: Usually the same ropes that you use for rock climbing will work for ice climbing.
  • Backpack: As with any kind of climbing, a backpack is essential to pack some additional stuff such as a pair of extra clothing and food.

ice climbing equipment

  1. Learn roping:Take a few lessons with your hopes before you go ice climbing. Spend time with people who know ice climbing and talk with them about how they manage their ropes.
  2. Have clothes that offer good insulation:Ice climbing is performed in winter and you can only enjoy it if you are wearing warm and insulated clothing. Nobody wants to go shivering in the rice and lie down the rest days of cold. Ideally, you should have several layers of clothing. You can always take off the extra layers if the temperature changes or you heated up.
  3. Watch out for danger:Ice rocks can break up during climbing. Therefore, you should wear your helmet all times. Look out for symbols and signs. If someone from your team is pointing about an approaching danger. If ice is falling down, never look up. Instead try to move to the left or right as required.
  4. Have enough food: Due to unfriendly weather conditions, you need to stock for food and snacks that do not require heating. Arrange your backpack and stock up for at least 3-4 extra days.

Give yourself time to prepare both mentally and physically. You will soon fall in love with a new chilling sport.