Accept payments from guests. Pay out to partners.
Collect from guests in 160+ countries, then release supplier payouts on the terms you actually signed, without _
Coinflow for travel & hospitality
Coinflow is built for online travel agencies that collect once and owe on a dozen terms.
You collect from the guest months before anyone travels, then owe accommodation, tours, ground, and affiliate partners whose terms never line up. Coinflow makes release timing a setting instead of a constraint, across OTAs, accommodation and lodging, and tours and experiences marketplaces.
Win better inventory
Hitting every supplier's terms to the day earns better allotment, better rates, and fewer prepayment demands.
Recover cross-border approvals
Multi-acquirer routing and local acquiring in the US and EU hold approval rates on high-value, cross-border bookings.
Card risk carried for you
Card fraud and chargebacks surface months before the guest ever checks in. Coinflow carries fraud and chargeback liability on approved card-not-present transactions.1
Keep FX off your commission
88% of travel companies frequently pay suppliers or vendors in foreign currencies.2 Rates are quoted upfront, so margin is priced at booking instead of found at month end.
One booking in. Everyone paid on their own terms.
A single booking can span accommodation, tours, ground transfers, and affiliate commission, each owed on different terms. Coinflow collapses that into one charge, split once at settlement, with global pay-ins, quoted FX, and programmable payouts on a single API.
Programmable release
You choose when
each supplier gets paid.
Some timing in travel is structural: chargeback windows, check-in terms, clearinghouse cycles. Coinflow doesn't fight that. It makes the timing you do own a setting, released at booking, at check-in, or on net terms, per supplier and per booking.
More than one in five OTA bookings at independent hotels was cancelled in 2025,3 so a release rule you control beats a payout cycle you don't.
- Food tour · 4 guestsReleased at booking · UK Faster Payments · 9:42 AM+£236.00Released
- Safari lodge · 3 nightsReleased on net 14 · Push to Card · 9:41 AM+$1,860.00Released
- Affiliate commissionReleased at source · RTP · 9:40 AM+$60.00Released
- Airport transfer · 2 guestsReleased at booking · SEPA Instant · 9:39 AM+€95.00Released
- Boutique hotel · 4 nightsReleased at check-in · SEPA Instant · 9:38 AM+€1,340.00Released
T+5 sec · money movement, once you release. Any day, weekends included.
Global coverage
Cards, wallets, and local payment methods guests already use.
Guests pay with the method they prefer, priced in their own currency, and every supplier is released in theirs.
Split at settlement
One charge in.
Split once, released per supplier.
Split a single guest charge across the hotel, the ground operator, your affiliate partner, and your own commission. Each counterparty is its own destination released on its own terms, with no escrow account, no payables file, and no month-end batch to reconcile.
The Coinflow advantage
Speed
Go live in weeks. Route supplier payouts through Coinflow alongside your existing processor, with release timing set per supplier, then move checkout and FX over once the numbers prove out.
Security
SOC 2 Type II and PCI DSS compliance, licensed bank partners in every market we settle, and KYB and KYC on every supplier before first payout.
Scale
One API for pay-ins, FX, splits, and supplier payouts. Your volume and seasonality profile is underwritten well before launch, so peak windows never trip freezes.
Support
A forward-deployed engineer co-builds your integration and stays on call through peak season.
Stop paying for the gap between booking and settlement.
- 1. Service disputes, including cancellations, remain governed by your own cancellation policy. ↩
- 2. Skift Research and Airwallex, “2024 State of Payments in the Travel Industry.” ↩
- 3. Cloudbeds, “2026 State of Independent Hotels Report,” 2025 booking data across 90 million bookings. ↩
