Cards, wallets, UPI, BNPL, multi-currency and refunds - all built into the adivaha booking platform. PCI-aligned, 3DS2-ready and reconciled to bookings out of the box. Travel payments are uniquely complex; generic gateways like Stripe and Razorpay weren’t built for split supplier settlements, BSP cycles, partial refunds tied to airline rules, or chargebacks that require a booking trail. adivaha Pay solves all of it natively.
adivaha Pay - secure travel payment solutions sits at the intersection of supplier connectivity, distribution and the operational tools your team actually uses every day. Cards, wallets, UPI, BNPL, multi-currency and refunds - all built into the adivaha booking platform. PCI-aligned, 3DS2-ready and reconciled to bookings out of the box. Travel payments are uniquely complex; generic gateways like Stripe and Razorpay weren’t built for split supplier settlements, BSP cycles, partial refunds tied to airline rules, or chargebacks that require a booking trail. adivaha Pay solves all of it natively.
adivaha® powers more than 2,400 travel brands across 120+ countries, with engineering teams in India and Europe and 200+ pre-integrated supplier connections. We are an Amadeus Global CAP Licence holder and ISO 9001:2015 certified. The platform you read about on this page sits inside the same connected core that powers booking engines, agent portals, mobile apps, gift cards, loyalty programs and AI automations across every product line we ship.
This page is part of adivaha®’s broader travel-tech catalogue covering flights, hotels, holiday packages, transfers, activities, gift cards, loyalty, corporate travel, mobile apps and AI automations. Customers typically start with one product and layer on the rest as they grow - everything sits on the same supplier pool, the same payment rails, the same customer wallet and the same audit log so adding a new module never means a re-platform.
The platform is built for the operational reality of travel - cancellations, refunds, credit shells, supplier reconfirmations, multi-currency settlement, GST on commission vs principal sales, ADM/ACM handling - all of it modelled as first-class concepts. Generic accounting tools and SaaS platforms weren’t built for these flows. We were. Customers tell us this is the single biggest reason their finance and operations teams stop fighting the platform and start using it.
Most adivaha® customers go from contract to first production booking in 2-3 weeks. The path is short because the hard parts are already done: supplier credentials are pre-provisioned, the booking flow is tested end-to-end, payment gateways are integrated, and the white-label theming sits behind a config flag. Your team focuses on the parts that are actually unique to your business - brand, audience, market positioning, supplier contracts - instead of rebuilding a booking engine from scratch.
Beyond the speed-to-launch advantage, customers stay on adivaha® because the platform compounds. Every supplier we add, every payment rail we wire in, every AI capability we ship lands automatically for everyone on the platform - not as a paid upgrade, not behind an enterprise tier. The roadmap moves the entire customer base forward together. That’s how a small agency in 2023 ends up with the same supplier coverage as a multi-country OTA in 2026 without ever touching the integration code themselves.
The architecture, the integration approach and the operational model behind every production deployment.
A 200+ supplier pool sits behind a single, normalised contract. Search results stream back from parallel calls so users see partial results immediately rather than waiting for the slowest provider. When a supplier ships a breaking change - an NDC update, a rate-plan reorganisation, a deprecated endpoint - we absorb it in our adapter layer so your code never has to.
Your domain, logo, colours and store-listing copy are wired in by our delivery team. The white-label storefront ships in 2-3 weeks for most customers. Custom UI work or unusual payment requirements may extend the timeline, but we’ll be upfront about exactly what changes the schedule.
Run a customer-facing site and a B2B agent portal from one platform with role-based access, separate fare displays for retail and trade, KYC for sub-agents, commission tiers and credit-shell management. Markups apply per supplier, per product, per agent, per market - with stacking rules and override priority.
Cards, UPI, wallets, BNPL and FX flow through the same checkout. adivaha Pay reconciles transactions automatically against bookings; one escrow covers every supplier so the customer payment, your markup and the supplier cost are tracked in a single ledger. UPI integration ships out of the box for Indian markets.
Conversational booking assistants, support auto-resolution, invoice generation and anomaly alerts run on top of adivaha AI. Every AI action that touches money, contracts or customers waits for human sign-off, and every action is logged with full audit trail. PII is redacted at the edge before reaching any LLM.
Native mobile apps on iOS and Android share the same backend. Public REST APIs expose everything the storefront uses, with OpenAPI 3.1 specs, Postman collections, SDKs in five languages and HMAC-signed webhooks for booking and refund events.
The features that look small on a demo but compound into real margin advantage when you’re running production traffic month after month.
API contracts stay supported for at least 12 months after the next major version ships. Suppliers churn, regulations change, but your code keeps working.
Why it matters: Without this you’d be paying engineering or operations cost every month to do the same work manually - a hidden tax that grows with your booking volume. The platform absorbs that cost so your team doesn’t have to.
Logs, traces, latency, error rates and rate-limit usage available per API key, per environment. No more guessing why a request failed yesterday.
Why it matters: This is the kind of feature most platforms charge as an enterprise add-on. It ships standard with adivaha® because it’s how a real travel business actually operates.
Sandbox keys issued within 24 hours with realistic test data. Same code as production so what you build there works in production unchanged.
Why it matters: Customers who lean on this consistently outperform peers on conversion, supplier mix and reconciliation accuracy. The compounding shows up in margin within a quarter or two.
When one supplier goes down, results from the rest still show. No blank pages for your sellers, no lost conversions during a Sabre outage.
Why it matters: It’s built around an open contract, so you can extend it without waiting for a vendor release cycle. When your business shifts, the platform shifts with you.
No hidden fees, no surprise overage charges, no per-API-call billing that turns a quiet month into a budget conversation. Pricing is published.
Why it matters: The audit trail and rollback story make it safe to use even on money-affecting flows. Compliance teams love it; finance teams stop double-checking exports.
Every AI action that touches money, contracts or customers waits for human sign-off. Full audit trail of who approved what, when and why.
Why it matters: It scales linearly with traffic - no surprise re-architecture when you 10x volume. The same API call that works at 100 RPS works at 1000 RPS.
The most common goals customers hit in the first 90 days after going live - one platform, six measurable outcomes.
Most customers process their first revenue-bearing booking within 2-3 weeks of contract signing. Pre-integrated suppliers and a 24-hour sandbox provisioning policy compress the timeline.
Sub-second median latency on multi-supplier search results means fewer abandoned carts. Smart caching keeps repeated queries fast, idempotent confirmations prevent duplicate-charge errors.
Auto-vouchering, supplier reconfirmations, refund handling and reconciliation against payment gateway statements run automatically. Operations cost stops scaling linearly with booking volume.
When inventory from one supplier underperforms, the platform routes more searches to the others. Smart routing surfaces in your margin within the first quarter.
Multi-currency, multi-language and multi-tax-regime support means a new market launch is a config change, not a re-platform. Many customers expand to 3+ countries within their first year.
AI-assisted support automation handles tier-1 tickets and routes the rest with full booking context to your team. Average resolution time drops; agent-per-ticket cost drops with it.
A clear hand-off model so your team knows exactly what happens at every phase - no surprise dependencies, no vendor-side mystery work.
We map your existing flows, supplier preferences, payment requirements and target markets. The output is a scoped delivery plan with explicit timelines, deliverables and ownership boundaries between your team and ours.
Sandbox keys, API documentation access, supplier credential requests and payment gateway onboarding all kick off in parallel. Your engineering team can start building integrations immediately.
Branding, UI customisation, currency setup, tax rules, markup rules, agent tiers and policy enforcement get wired in. Most of the customer-visible work lands here.
End-to-end testing on real supplier sandboxes, payment flow validation, edge-case handling and a controlled soft launch. We catch the issues that only show up under real traffic.
Full launch, dedicated success-manager access for 30 days, then standard support. New APIs, AI capabilities and supplier integrations land automatically as we ship them - no migration projects.
Building it yourself looks cheaper on Day 1 and starts looking expensive by Quarter 3. Here’s why almost every team eventually moves to a platform.
The seductive part of building your own travel platform is that the initial scope feels containable. You need flight search, hotel search, a checkout flow and a booking confirmation page. Estimate three engineers for six months and you have an MVP. The trap is that the MVP isn’t the expensive part. The expensive part is the next eighteen months of maintaining supplier connections, handling regulatory changes, supporting refunds and cancellations across edge cases, and answering customer questions about why their voucher hasn’t arrived.
Travel-tech operations cost scales linearly with booking volume on a homegrown stack. Every new supplier is an integration project. Every regulatory change in a new market is a code release. Every booking edge case eventually becomes a finance reconciliation ticket. Your engineering team becomes a maintenance team. Your roadmap stops being about competitive features and starts being about keeping the lights on. Six quarters in, the calculation that made build-it-yourself look attractive has completely flipped.
A purpose-built platform changes the calculation by socialising those operational costs across hundreds of customers. The supplier integration we did last year benefits every customer who needs that supplier this year. The regulatory patch we shipped to handle a new tax regime applies to every customer in that market. The fraud rule we tuned based on patterns across 50 million API calls is available to every customer the day we ship it. None of that is true on a homegrown stack.
adivaha® runs the platform as a continuously improving asset on behalf of our customers. Releases land monthly. Supplier coverage grows quarterly. Compliance updates ship as soon as the regulator publishes them. Your team focuses on the parts of your business that are actually unique to your customers - brand, audience, market positioning, supplier negotiations - rather than the parts that look the same as every other travel business’s plumbing.
Where customers focus their first 90 days - the mix that matches your existing audience and supplier relationships usually wins.
Start with flight search and ticketing. GDS, NDC and LCC content unified. Add hotels and packages once flight volume justifies the supplier overhead. Common for OTAs targeting business travelers.
Open with hotel inventory aggregation across API bedbanks plus your own contracted properties. Add transfers and activities to lift average order value. Common for DMCs and inbound tour operators.
Launch a gift card or loyalty program first to build a wallet-attached customer base, then layer travel products as customers come back to redeem. Common for retail brands moving into travel adjacencies.
Your starting mix isn’t a one-way door. Customers commonly start flight-led and add hotels in the second quarter. Hotel-led customers add transfers and activities to lift basket size. Loyalty-led customers eventually become full multi-product OTAs. The platform handles the expansion path without re-platforming.
Direct partnerships with the GDS systems, hotel bedbanks and payment networks that handle the majority of travel transactions globally.
Our partnership network is the foundation of the platform. We hold an Amadeus Global CAP Licence with direct PCC provisioning, are recognised as an integration partner with Sabre and Travelport, and ship pre-integrated connections to Hotelbeds, Expedia, Agoda, RateHawk, GRN, Bridgify and dozens more bedbanks. Customers benefit from these relationships from Day 1 - no separate supplier negotiations, no waiting in line for credentials.
On the quality side, the platform carries an ISO 9001:2015 certification covering both platform development and customer delivery processes. Application security follows OWASP standards with annual third-party penetration testing. Payment processing flows through PCI-compliant tokenisation. Webhook payloads carry HMAC signatures. SSO and granular role-based access control are available on enterprise plans.
Operationally we commit to a 99.9% monthly uptime SLA for paid plans, with credit-back guarantees on enterprise contracts and Slack-channel access for direct support. The platform processes 50 million+ API calls per month at sub-second median latency, with per-key observability surfaced in every customer’s dashboard. None of these credentials are unusual by enterprise SaaS standards - but they’re relatively rare in travel-tech, and that’s exactly the point.
The reasons customers consistently cite when we ask why they picked us over the alternatives.
1. Travel-specific by design, not retrofitted. Generic SaaS doesn’t know what an ADM is or how a credit shell works. We’ve been building exclusively for travel for fifteen years, and the platform reflects that - ticketing, refunds, reconfirmations, supplier statements, multi-currency settlements, GST handling are all first-class concepts, not afterthoughts patched on top of an e-commerce engine.
2. Stable contracts, evolving features. Our API versions stay supported for at least 12 months after the next major version ships. Suppliers churn, regulations change, but your code keeps working. Non-breaking improvements land in your current version with release notes - no surprise upgrades, no “you must migrate by next quarter” emails.
3. One backend, every surface. The same engine across web, mobile app, agent portal and partner APIs. Same login, same wallet, same loyalty balance, same support thread. Customers move freely across surfaces and your team works in one place - no parallel inventory to maintain, no silos to bridge.
4. Live in days, not months. Most launches ship in 2-3 weeks. We’ve made the slow parts fast through repeatable templates, pre-integrated suppliers and a 24-hour sandbox provisioning policy. Speed-to-launch isn’t marketing - it’s a competitive advantage that lets you test markets, validate ideas and capture seasonal demand windows that slower competitors miss.
5. Transparent pricing, no surprises. Pricing is published on the site. Sandboxes are free. The move from sandbox to production is a permission flip rather than a contract negotiation. We don’t play games with hidden fees, surprise overage charges or per-API-call billing.
A travel transaction is rarely "card → confirmation." A single booking may involve a flight from Amadeus, a hotel from Hotelbeds, a transfer from a local supplier and an insurance add-on - each settled separately, each refundable on different rules, each requiring its own evidence package if the customer charges back. Stripe, Razorpay, PayPal and other generic gateways don’t know about Amadeus PNRs, supplier wallets or BSP cycles. They treat every transaction as a one-shot card charge.
adivaha Pay is built into the booking engine. Every charge is tied to its booking. Every refund follows supplier-specific rules. Every settlement reconciles automatically against the original PNR or hotel voucher. Customer support sees the full transaction graph - card charge, supplier debits, refund chain, chargeback evidence - in one screen instead of stitching it together from gateway dashboards and supplier portals.
For Indian agencies, UPI success rates of 95-97% beat card success rates of 70-80%. For corporate-travel B2B buyers, BNPL via Razorpay BNPL or international BNPL providers like Affirm/Klarna lift average order value 20-30%. For multi-currency OTAs, daily FX rates with per-supplier settlement currencies eliminate the silent margin loss most agencies don’t even measure.
Card decline losses - 20-30% of card transactions fail at 3DS or fraud rules. Without smart retry, that’s 20-30% lost revenue on attempted bookings. adivaha Pay’s 3DS2 SCA + smart retry recovers 8-15 percentage points.
Currency conversion margin - selling in USD while paying suppliers in EUR / INR / IDR with stale FX rates leaks 2-4% margin per international transaction. Daily FX with per-supplier settlement saves a typical OTA $50,000-200,000 / year.
Refund operations - manual partial refunds tied to airline / hotel rules eat 4-8 hours per agent per week. Auto-refunds (per supplier rules) cut that to under 1 hour.
Chargeback losses - travel has a 0.5-1.5% chargeback rate. Without booking-tied evidence packages, agencies lose 60%+ of disputes. With auto-evidence, the win-rate jumps to 80%+.
Reconciliation overhead - daily / monthly reconciliation between gateway, suppliers and finance system is a 1-2 person job at most agencies. adivaha Pay automates it end-to-end with daily reports tied to booking IDs.
Pre-integrated with all major payment processors so you never write gateway code yourself.
Visa, Mastercard, Amex, Discover, RuPay, JCB - global card networks with 3DS2 SCA, smart retry on decline and tokenization for repeat customers.
Apple Pay, Google Pay, Samsung Pay, plus regional wallets (Paytm, PhonePe, Mobikwik, GrabPay, Touch ‘n Go, GCash) - enabling 1-tap checkout on mobile devices.
Direct UPI flows for the Indian market with QR codes, intent-based payments, UPI AutoPay for subscriptions and Collect / Push variants. 95%+ success rate.
Affirm, Klarna, Afterpay (international) plus Razorpay BNPL, Simpl, ZestMoney (India) - turn $1,000 trips into $200/month for customers, lifting AOV by 20-30%.
Sell in 30+ currencies (USD, EUR, GBP, AED, INR, SGD, AUD, JPY, CNY+) with daily FX rates from RBI / ECB / Open Exchange Rates and per-supplier settlement currencies.
Direct bank debits via NetBanking (50+ banks in India), SEPA Direct Debit (EU), ACH (US) and SWIFT for high-value B2B / corporate travel transactions.
Split high-value bookings into 3 / 6 / 9 / 12-month EMIs across major Indian banks. Critical for honeymoon packages, family trips and premium travel.
Accept your own travel gift cards, employee benefit cards and corporate vouchers. Perfect for corporate-travel programs.
Bitcoin, Ethereum and stablecoin acceptance via the crypto booking portal for crypto-native travel agencies and Web3 audiences.
Travel ops teams spend hours every day on payment reconciliation: matching gateway settlements to supplier debits, calculating partial refunds tied to airline rules, gathering evidence for chargebacks, settling commissions to sub-agents. adivaha Pay automates all of it. The same booking that generates a customer card charge also generates the supplier debit instruction, the BSP entry, the commission split, the GST invoice and the audit trail in one transaction.
For agencies running B2B sub-agent networks via our B2B travel software, agent wallets are tracked alongside customer payments, with credit limits, daily statements and auto-debit for booking confirmations. Mark-ups stack correctly across customer, sub-agent and supplier without leakage.
Travel ops teams spend hours on payment reconciliation. adivaha Pay handles it automatically.
Most payment-gateway companies (Stripe, Razorpay, PayPal, Square, Adyen) build for general e-commerce. They handle the standard pattern of customer-card-charge-with-merchant-receiving-funds beautifully but break down on the patterns specific to travel. Travel transactions involve multiple suppliers per booking, time-delayed product delivery (booking now, travel months later), complex cancellation policies tied to airline / hotel rules, refunds calculated against fare conditions, chargeback risk extending months past the original transaction, BSP / ARC settlement cycles for ticketing agencies, multi-currency at multiple stages of the funnel, and tax treatments that vary by route.
Generic gateways treat each booking as a single charge - they don't know that this $1,200 customer charge is actually $400 to airline X via BSP, $500 to hotel Y via Hotelbeds, $200 to transfer operator Z, and $100 agency margin. They don't know that the airline portion has a 24-hour void window before becoming non-refundable, while the hotel has a 48-hour cancellation window with $50 penalty, and the transfer has full refund up to 6 hours before pickup. They can't generate the proper audit trail for an IATA financial review or an ADM dispute.
adivaha Pay is built around these travel-specific patterns. Every charge is decomposed into supplier components automatically. Refund logic applies the right rules per supplier per fare. Audit trails capture every state transition. Settlements reconcile to the right supplier on the right cycle (BSP twice-monthly, hotel chains daily, OTAs varying). Chargeback evidence packages auto-generate with all relevant docs (PNR, voucher, fare rules, customer-communication trail, supplier-confirmation records) - the package is industry-standard quality and dispute win-rates jump from typical-OTA 30-40% to adivaha-OTA 80%+.
For Indian agencies specifically, payment behaviour is shifting fast. UPI now exceeds 50% of digital payments in India, with 95-97% success rates compared to 70-80% for card payments. Net Banking still works for 30-40% of high-value bookings. Wallets (Paytm, PhonePe, Mobikwik, Amazon Pay) handle smaller transactions. EMI / BNPL options (Razorpay BNPL, Simpl, ZestMoney, EMI on credit cards) lift AOV 20-30% on $500+ bookings. adivaha Pay supports all of these natively with India-specific routing logic.
For B2B sub-agent networks, the payment story extends beyond customer-facing transactions. Sub-agents fund wallets via their own payment methods (typically bank transfer or UPI). Master agency settles supplier costs from sub-agent wallet balance. Commissions earned by sub-agents transfer to their bank accounts via configurable payout schedules. Sub-agent disputes flow through proper escalation paths. Each layer of this B2B payment workflow is supported in the platform - master agencies don't need to build payment infrastructure for their sub-agent networks.
Travel has fundamentally higher fraud rates than other e-commerce categories. Industry data shows travel fraud rates around 0.5-1.5% of transaction value vs 0.1-0.3% for general e-commerce. The reasons are structural: travel transactions are often high-value (creating attractive fraud targets), products are immediately transferable (a stolen-card purchase of a flight ticket can be quickly resold), refunds / chargebacks come months after the transaction (when the original card-holder discovers the fraud), and travel customer journeys often involve multiple parties making fraud detection harder.
Mitigating travel-specific fraud requires multiple layers. Risk scoring at booking time uses signals like name-card mismatch, IP-country vs billing-country mismatch, traveller-passenger mismatch, last-minute booking patterns, suspicious fare patterns (e.g., one-way tickets on unusual routes are common in fraudulent purchases). 3DS2 SCA enforcement on high-risk bookings adds friction for genuine fraud (since fraudsters typically don't have the customer's phone) without disrupting normal customers. Velocity rules cap how many transactions per card per day, per IP per day, per device per day. Geo-fencing flags transactions from high-risk geographies.
Post-booking fraud detection adds another layer. Booking modifications (changing passenger names, changing dates) just before travel are suspicious. Adding expensive ancillaries (premium seats, multiple bag-add-ons) post-booking can indicate compromised accounts. Last-minute address changes for delivery of physical documents (visa pickups, ticketed papers) are red flags. The platform monitors all of these and escalates suspicious patterns to the agency's fraud team.
Chargeback management is the third layer. When a chargeback happens (typically 30-90 days post-booking, sometimes up to 540 days), the agency must respond with evidence to dispute. Evidence packages auto-assemble: customer card-on-file confirmation (3DS2 authentication), booking-creation IP and device data, customer-receipt acknowledgment (email open data), service-delivery confirmation (boarding pass scans, hotel check-in records, customer feedback), customer-communication trail. With strong evidence packages, agencies typically win 80%+ of disputed chargebacks vs typical-OTA win-rates of 30-40%.
Industry data on travel-specific payment dynamics.
Yes - bring-your-own-gateway is supported. Many customers run adivaha Pay alongside their own merchant accounts for redundancy.
Partial and full refunds follow supplier rules automatically. Refund amounts and timelines are surfaced clearly to customers at booking and during cancellation.
30+ currencies with daily FX. You can settle in your home currency or per-market currency.
Yes - direct UPI flows with QR and intent-based payments. UPI typically has 90%+ success rates vs 70-80% for cards in India.
Yes - via partners like Affirm, Klarna and regional providers. Often increases AOV by 15-30% on tour and package products.
When a chargeback hits, the system auto-assembles evidence package: 3DS2 auth records, booking IP / device data, customer-confirmation acknowledgment, service-delivery proof, customer-communication trail. Submit to issuer through standard chargeback workflow. Typical win-rates 80%+ vs industry average 30-40%.
Yes - per-booking, per-component refunds. Customer requests refund on cancelled flight ($400 of $1,200 total); platform refunds $400 to customer card, retains hotel ($500) and transfer ($200) which were not cancelled. Each refund respects supplier-specific rules and timing.
Yes - when customer pays in USD and supplier settles in INR, FX rate at booking-time is captured. If FX moves between booking and settlement, gain/loss tracked per transaction. Helps finance teams understand FX exposure and consider hedging strategies for high-volume operations.
Yes - agencies can configure custom fraud rules: per-route risk levels (e.g., one-way tickets to high-risk destinations get tighter scrutiny), customer-segment rules (new customers vs returning), velocity rules per device / IP / card. Pre-built rule library with 100+ patterns; custom rules supported on enterprise plans.
Full PSD2 Strong Customer Authentication compliance. 3DS2 challenge flows on every European card transaction (with TRA exemptions where possible to reduce friction). MIT (Merchant Initiated Transactions) properly tagged for recurring scenarios. PSD2 reporting for compliance audits.
