Cross-border by default. Reconciled by design.
Travel and digital-services businesses live with timing gaps between booking and consumption, FX exposure on every transaction, and chargeback risk that doesn't go away after capture. Paytone gives that workflow proper plumbing.
Three problems that don't exist for retail.
Travel and digital-services payments have unique structural challenges. Generic e-commerce stacks handle them badly.
Timing gaps
The customer books today and consumes the service in three weeks. You authorize at booking, capture at check-in, refund if cancelled, and may not see the final amount until the supplier confirms — each step a separate payment event.
FX exposure
Customers pay in one currency, suppliers settle in another, and your books run in a third. Every FX leg eats margin. Transparency on rates and conversion timing is the difference between a profitable booking and a break-even one.
Chargeback risk
The capture happens long after the authorization. The consumption can happen long after the capture. Disputes can land months later, often when the service was genuinely delivered. Defending them requires evidence the payment layer should already have collected.
A platform built for the booking timeline.
Each capability addresses a specific friction point in the travel and digital-services flow. Compose them or adopt them individually.
Auth-now / capture-later
Hold an authorization at booking, capture (full or partial) at the right moment, and release cleanly on cancel. Re-authorize before expiry where the booking window is long.
Multi-currency settlement
Settle into the currencies your supplier and finance teams need. Configurable hold periods and FX conversion rules per merchant and per booking type.
FX transparency
See the wholesale rate, the markup, and the timing for every conversion. Track FX margin as a discrete line in your P&L, not an unknown.
Dispute defense
Booking confirmations, delivery evidence, and customer correspondence attached to every charge — assembled into a chargeback response automatically.
Travel-tuned fraud screening
Rules calibrated for travel patterns — last-minute bookings, multi-leg itineraries, common fraud vectors — without false-flagging legitimate customers.
Refund automation
Partial refunds, supplier cancellations, and travel-credit issuance handled through the same API. Customer-facing refund timelines stay predictable.
Currencies and capabilities at a glance.
A summary of what the platform supports for cross-border travel and digital-service flows. Specific market availability is confirmed during onboarding.
All capabilities run on the same API surface — you do not switch SDKs or integrations to add a new region or method.
- Presentment currencies
- Major and regional currencies covering EU, UK, North America, LATAM, and key APAC markets.
- Settlement currencies
- Configurable per merchant. Settle into one currency, or split settlement across several based on supplier obligations.
- Authorization holds
- Configurable hold windows with re-authorization before expiry for long-lead-time bookings.
- Capture flexibility
- Full, partial, multi-step, and time-delayed captures. Combine with itinerary state for clean accounting.
- Refund modes
- Full, partial, scheduled, and travel-credit conversions handled natively.
- 3-D Secure 2
- Required across EU and UK PSD2 markets; available in others. Configurable per region and risk score.
Methods that match the booking moment.
A blend that covers cross-border card acceptance, local-method coverage in key inbound markets, and clean settlement.
Card payments
The default rail for cross-border bookings, with auth-and-capture flows tuned for the travel timeline.
ExploreMobile wallets
One-tap mobile checkout, the primary surface where international travelers actually convert.
ExploreLocal APMs
The methods inbound travelers prefer — Pix in Brazil, iDEAL in the Netherlands, OXXO in Mexico, and the long tail.
ExploreBank transfers
Lower-cost rails for high-ticket bookings where card fees would meaningfully compress your margin.
ExploreRun cross-border bookings on real plumbing.
Share your booking lifecycle, the currencies you collect and settle in, and your current chargeback profile. We will return with a payment architecture designed for the travel timeline.