For travel & hospitality
Cross-border payments for travel and hospitality, confirmed in minutes
Finance teams at tour operators, DMCs, travel agencies and properties invoice in USD and get paid in USDC or USDT from any wallet. Minutes on-chain, against 2-5 business days on a correspondent-bank wire.
A cross-border booking invoice collected by card carries a cross-border charge, a conversion charge and a dispute window that stays open for months; collected by wire it arrives days later, short by whatever the correspondent chain deducted.
How does a travel or hospitality business benefit from collecting in stablecoins?
Three things change. The cross-border and conversion charges a card stacks on a foreign booking collapse into one processing percentage. Receipt is confirmed in minutes rather than days spent in a correspondent-bank chain. And the payment is final, so a completed stay cannot be reversed by a dispute months later.
Why does a cross-border booking cost so much to collect?
Because the charges stack. A card payment from another country carries the gateway fee, a cross-border fee and a conversion fee, each applied separately. A wire instead passes through correspondent banks that deduct as it travels. One on-chain payment has neither chain.
What happens to chargebacks on a stay already completed?
There are none. A settled on-chain payment is final, with no card-network dispute process behind it, so a completed stay does not stay reversible for months. Refunds become something you decide and send rather than something an issuer imposes.
Which travel businesses does this actually fit?
Ones invoicing $1,000 or more: tour operators settling with properties, DMCs paying suppliers, agencies collecting group bookings, villa and long-stay rentals, and corporate travel desks. A single room night usually sits below the minimum.
What you keep on a booking invoice
Group bookings, operator settlements and corporate travel run larger than a single stay. Adjust to a typical invoice.
Modelled at 0.5% fee + $35.00 fixed + 2.5% FX for a wire. Kollect is priced at 0.75% on the Micro plan, with no FX markup on the USDC to USD conversion. The plan follows your volume: this invoice repeating monthly is $45,000.00 over 3 months, which is the band that volume falls into. The processing fee falls to 0.45% at higher volume. Each plan also carries a monthly subscription, which is not in these figures. See the full rate card.
Full cost breakdown is on the pricing section, and the same maths against a wire is set out on Kollect vs a bank wire. Terms are defined in the glossary.
How a booking payment runs
Invoice in USD
Raise the invoice against the booking or the settlement period and send the payment link.
The buyer pays on-chain
The agency, operator or corporate buyer pays in USDC or USDT from any wallet. No account with Kollect required.
Confirmed, and final
Receipt is confirmed on-chain in seconds. A settled on-chain payment carries no card-network chargeback window.
Settle to your bank
Funds reach the operator or property bank account in a local currency the partners support. Licensed partners handle the conversion and payout right after. Timing depends on the partner and is not yet a published SLA.
What changes for your business
A settled on-chain payment is final. There is no card-network dispute process leaving a completed stay reversible for months.
A cross-border card payment layers a cross-border fee and a conversion fee. Here it is one processing percentage on the amount collected.
On the fiat-to-stablecoin rail a buyer pays from their bank account, so a corporate travel desk holding no crypto can still pay the link.
On-chain receipt in seconds gives a timestamped record to reconcile against the booking reference.
The same flow collects a deposit now and the balance later, without a second provider for the second payment.
Trust and compliance
Payments are received on-chain and passed to licensed partners for conversion and payout. Kollect is not the licensed entity holding your money.
Mesta Payments LLC, a FinCEN-registered money services business, processes payments in partnership with Kollect.
KYB on the business and KYC on its representatives, with AML screening on payments.
Licensed partners pay out into your business bank account in the local currencies they support. Corridor coverage is confirmed at onboarding.
Travel and hospitality questions
How does a travel business collect payments with Kollect?
You invoice the agency, operator or corporate buyer in USD and send a payment link. They pay in USDC or USDT from any wallet, receipt is confirmed on-chain in seconds, and licensed partners settle into your business bank account in a local currency they support.
Can Kollect collect a single hotel room booking?
Not usually. The minimum transaction value is $1,000 on every plan, which sits above a typical room night. It fits group bookings, tour-operator settlements, DMC payouts, villa and long-stay bookings, and corporate travel invoices, where amounts are genuinely that size.
Is a booking paid this way still open to a chargeback?
No. A settled on-chain payment is final and there is no card-network dispute mechanism behind it. A refund becomes a decision you make and send, rather than one an issuer can impose months after the guest has stayed.
What if the travel buyer has no crypto?
They pay from a bank account instead, on the fiat-to-stablecoin rail. A regulated on-ramp partner handles the conversion, so the buyer needs no wallet and buys no crypto first.
Where does the money land for a property or operator?
Into your business bank account. Licensed partners convert the payment and pay out in a local currency they support. Corridor coverage is confirmed during onboarding rather than assumed, so check yours before you commit a booking season to this rail.
Can a deposit and a final balance be collected separately?
Yes. Each is its own payment against its own link, so the two reconcile independently. Both are subject to the same $1,000 minimum.