Repayd Integrates Multi-Card Payment Technology to Address Credit Limit Barriers in High-Value Travel Bookings

Travel payment solutions provider Repayd.com has integrated multi-card payment functionality from UK-based Hands In to address a persistent friction point in high-value travel transactions: payment failures caused by insufficient funds and credit limit constraints. The integration enables customers to split single transactions across multiple payment cards during checkout, directly tackling decline rates that cost travel merchants significant revenue on bookings that frequently exceed individual card limits and insufficient funds.

According to industry data, travel bookings represent some of the highest average transaction values in e-commerce, with tour packages, cruises, and premium travel services regularly ranging from £3,000 to £15,000 per booking. These high-value transactions encounter payment failure rates significantly above the industry average when customers’ available credit is insufficient to cover the full amount, a problem that accounts for an estimated 40% of all payment declines in the travel vertical. 

Hands In’s multi-card technology has demonstrated recovery rates of up to 20% of  transactions that initially fail due to insufficient funds or credit limits exceeded, converting failed transactions into completed bookings at the point of failure. For travel merchants processing thousands of high-value transactions monthly, this represents a quantifiable path to capturing revenue that would otherwise be permanently lost to cart abandonment.

Addressing structural payment challenges in travel commerce

The multi-card payment capability addresses several scenarios common in travel bookings: customers reaching credit limits on premium experiences; multi-person bookings where participants want to contribute separately; corporate travellers splitting expenses between business and personal cards; and last-minute bookings where customers have temporary credit constraints.

“Payment failures on high-value bookings represent one of the most quantifiable revenue leakage points for travel merchants,” said Will Plummer, CEO of Repayd.com. “Traditional payment infrastructure forces a binary outcome. By enabling multi-card functionality, we’re converting failed transactions into completed bookings without requiring customers to leave the checkout flow.”

The integration functions within Repayd’s existing payment infrastructure and can be deployed in two configurations: as a standard checkout option presented to all customers, or triggered dynamically as a recovery mechanism when a transaction fails due to insufficient funds.

“Our shared goal is to help travel merchants capture every possible sale,” said Samuel Flynn, CEO of Hands In. “Multi-card payments solve a specific, measurable problem. By making this accessible through established travel payment infrastructure, we’re enabling merchants to address this friction point without operational complexity.”

The partnership reflects broader trends in travel commerce toward flexible payment options. As travel merchants compete for high-value bookings in an increasingly digital marketplace, payment flexibility has emerged as a competitive differentiator alongside traditional factors like pricing and experience quality.

Market context and sector applicability

The multi-card payment capability applies across Repayd’s merchant base, including tour operators, aviation companies, cruise lines, accommodation providers, and travel technology platforms. Tour operators frequently process multi-day packages where total values exceed typical credit card limits. Cruise bookings, often including pre-paid packages and extended itineraries, represent some of the highest average transaction values in travel. Travel technology platforms can deploy multi-card payments as a conversion optimization tool, benefiting both the platform and its supplier network.

The integration is available to existing Repayd merchants through the platform’s standard implementation process.