--- title: "Payments for digital travel products · Fungies" description: "For guides, itineraries, courses and software sold by travel businesses. Not for bookings, deposits or anything redeemed in person — and we say why." image: "https://fungies.io/og-image.jpg" canonical: "https://fungies.io/travel-merchant-account/" --- Features · Travel # For the digital half of a travel business, and not the bookings Start with the part that decides whether to keep reading. We do not process bookings, deposits, tours, flights or hotel stays, and we are not a high-risk merchant account for a travel agency. What we do handle is the digital catalogue around that business: guides, itineraries, courses, memberships, and software sold to travel operators. [Start free](https://app.fungies.io/register) [Book a demo](https://calendly.com/duke-vuh/fungies-io-demo-clone) No upfront costs. No credit card required. Already selling with Fungies [![Leadsin.io](/logos/clients/leadsin.png)](/customer-story/hosted-checkout-solution-for-leadsin-io-a-saas-business "Leadsin.io — read the story")[![RenderAI](/logos/clients/renderai.png) ](/customer-story/helping-renderai-reduce-their-ai-saas-payment-integration-from-days-to-just-a-couple-of-minutes "RenderAI — read the story")[![SuperScale](/logos/clients/superscale.png) ](/customer-story/nimblebits-revenue-boost-with-a-web-store-solution "SuperScale — read the story")[![FreeVocals](/logos/clients/freevocals.png) ](/customer-story/freevocals-com-and-fungies-io-a-seamless-solution-for-digital-e-commerce "FreeVocals — read the story")![STATSCORE](/logos/clients/statscore.png)![SimFabric](/logos/clients/simfabric.png)![BotRix](/logos/clients/botrix.png)![Enhance AI](/logos/clients/enhance-ai.png)![The Humanize AI](/logos/clients/humanize-ai.png)![Kenerate AI](/logos/clients/kenerate.png) ![A Fungies checkout embedded inline in a page, showing billing details, card fields, a bank option and Google Pay.](/_astro/embedded-checkout.BrKPrL7H_1BsxIb.webp?dpl=dpl_8EZJmbvb3ugYq7WK1KgC21BX19Zp) A checkout for a downloadable guide, sitting inline on a site that already exists. ## What a travel business can genuinely sell here Guides and itineraries as downloads City guides, route notes, packing lists and planning templates. The file reaches the buyer on payment and stays available to them afterwards through the customer portal. Courses and memberships A course for travellers, or a paid community for other operators. Both run as recurring products with trials, plan changes and cancellation handled without you building a billing page. Software for travel operators If you sell a booking tool, a channel manager or an itinerary builder to other businesses, that is a SaaS product and it is exactly what this platform was built around. Digital assets and templates Photo presets, spreadsheet planners, map packs and other files. Products support variants, so a bundle and a single item are one listing rather than two. Buyers anywhere, tax handled Your customers can be in any country. We are the legal seller, so VAT, GST and US sales tax on each digital sale are calculated, remitted and filed under our registrations. One rate, nothing monthly 5% + 50¢ per successful transaction, negotiable once you are selling at volume, covering processing, tax filing, fraud screening and chargebacks. A season with no sales costs nothing, which suits a business with a season. ## Working out whether this fits 1. 01 ### Split what you sell into two piles One pile is trips: bookings, deposits, tours, transfers, rooms. The other is files and software. Only the second pile belongs here, and the split is usually obvious once it is written down. 2. 02 ### Leave the trips where they are A trip paid for in March and taken in September is a different risk from a file delivered in one second. That is why travel acquirers and booking platforms exist, and it is why keeping that side with a provider underwritten for it is the right call. 3. 03 ### Build the digital catalogue here Add the guides, the course or the software, set prices, and publish a store on your own domain — or skip the store and put a checkout on the site you already run. 4. 04 ### Sell it alongside the booking flow Link to the guide from a confirmation email, embed the checkout in a trip page, or run the shop as its own thing. The two systems do not need to know about each other. ## The line, and why it is where it is 01 ### Future-dated services carry a different exposure A dispute over a trip lands months after the payment, often after the money has been paid out and spent. That gap is what high-risk travel acquiring is priced and reserved for, and it is not what this platform is built to carry. 02 ### Anything redeemed in person is on the wrong side A pass, a tour ticket or a room is a promise of a future service even when the document arrives instantly. If the buyer redeems it somewhere, with someone, on a date, it belongs with a travel payment provider rather than with us. 03 ### What to use instead for the rest For bookings and deposits, a specialist travel acquirer or a booking platform with travel underwriting. They will ask for financials and may hold a rolling reserve against your future liabilities. That is the cost of a market we are not going to pretend to serve. 04 ### Check the policy before you build There is a prohibited business and products policy, and travel sits close enough to its edges that it is worth asking us first. A straight answer now is better than a suspended payout later. ## What sellers say once they have switched [★★★★★ 4.8/5 from 10 reviews on G2 →](https://www.g2.com/products/fungies-io/reviews) [Vadim Finayev Head of Growth, Leadsin.io “We work with quite a few merchants of record, but none comes close to the support and speed of implementation of Fungies. If you want a payment partner that actually gives you the feeling they want to work with you — rather than leaving you on read for three days or randomly restricting your account — you are in the right place.” Read the story →](/customer-story/hosted-checkout-solution-for-leadsin-io-a-saas-business) [David Elliott Creative Director, Freevocals.com “I researched the options and Fungies was the best fit for functionality and customisation within a store builder you can connect to your own domain. Taking a small percentage of sales, instead of charging a subscription for every environment and plugin, is refreshing.” Read the story →](/customer-story/freevocals-com-and-fungies-io-a-seamless-solution-for-digital-e-commerce) [Elnura Abdimanap Kyzy Founder, TextToVideo.bot “The platform is user-friendly, integrates easily with APIs and webhooks, and simplifies managing digital products and subscriptions. We were up and running quickly and support has been responsive throughout. Fungies is clearly tailored to the needs of SaaS businesses.” Read the story →](/customer-story/how-fungies-enabled-texttovideo-bot-to-integrate-payments-in-minutes) [Francisco Magnone Rienzi Founder, Renderai.app “Fungies has been a great partner — fast setup, competitive pricing, and real humans providing quick answers. They are constantly rolling out new features, and I am excited to see what is next.” Read the story →](/customer-story/helping-renderai-reduce-their-ai-saas-payment-integration-from-days-to-just-a-couple-of-minutes) ## Travel questions, answered plainly ### Can I take booking deposits or trip payments? ### Can I sell a city guide or an itinerary as a download? ### I sell both trips and guides. What do I do? ### Do I need a travel merchant account for the digital side? ### Who deals with VAT on a guide sold to a buyer in Germany? By industry ## Where the digital part of a sector fits, and where it honestly does not. - [Healthcare Payment Processing →](/healthcare-payment-processing) - [Law Firm Payment Processing →](/law-firm-payment-processing) - [Utility Payment Processing →](/utility-payment-processing) - [Virtual Terminal Payment Processing →](/virtual-terminal-payment-processing) ## If the catalogue is digital, this fits If it involves a trip, it does not, and we would rather say so now than after your first payout. Build a store, add a guide, and run a test payment to see the digital side working. [Start free](https://app.fungies.io/register) [Book a demo](https://calendly.com/duke-vuh/fungies-io-demo-clone) No upfront costs. 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Buyers get the file on payment and can re-download it later from the portal without emailing you."}},{"@type":"Question","name":"I sell both trips and guides. What do I do?","acceptedAnswer":{"@type":"Answer","text":"Split them. Keep bookings with your existing travel payment provider and run the digital catalogue here. Two providers for two genuinely different risks is normal, and it is more robust than forcing both through one."}},{"@type":"Question","name":"Do I need a travel merchant account for the digital side?","acceptedAnswer":{"@type":"Answer","text":"No merchant account of any kind. We hold the master account and you own a connected sub-account beneath it that receives your money. Our ecommerce merchant account page explains that arrangement in full."}},{"@type":"Question","name":"Who deals with VAT on a guide sold to a buyer in Germany?","acceptedAnswer":{"@type":"Answer","text":"We do. 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