Virtual•••• 4821
Travel
If you’re an online travel agency, aggregator, wholesaler, bedbank or travel management company paying airlines, hotels and other suppliers, this solution is for you.
Explore our solutions for travelOur own infrastructure. One integration.
The TripLink Platform
One platform, built end to end — no third parties bolted on. A single integration issues the card, controls the payment, settles your supplier and returns the data attached.
What is a virtual commercial card?
A commercial card is a payment card issued to a business rather than an individual, used to pay suppliers, cover operational spend and keep that spend visible and controlled.
A virtual commercial card does the same job without the plastic.
- 01
Created digitally
Generated on demand through an API or a portal, at the moment the payment needs to happen.
- 02
Configured
Built for a specific payment, with amount, currency, supplier and validity set at the point of issuing.
- 03
Controlled
Tracked and controlled at transaction level rather than across a whole account.
- 04
Retired
Closed or made unusable once its purpose is complete, which reduces the risk of fraud.
What changes when every payment has its own card
- 01
Fraud reduction
Cards carry their own number, so the underlying account is protected. If a transaction is unauthorised or disputed, eligible payments may be recovered through chargeback.
- 02
Automated reconciliation
Each card is tied to a specific booking, invoice or claim, enabling payment matching with less manual work.
- 03
Real-time control and visibility
Finance teams can set card-level controls and see exactly where, when and how much a card can spend, while it is happening.
- 04
Instant issuance
Single or multi-use cards can be created at the moment the money needs to move, rather than days in advance.
How a payment moves through TripLink
Five stages, one platform. Each stage is configurable, and each one runs on our proprietary processing infrastructure, not licensed technology, which is what makes that configuration possible.
A single, well-documented integration point, with workflows configured to how your business already operates.
Credit line or pre-funded balance, funded from multiple locations, with money released when the supplier is paid.
Purpose-built card products, including dedicated hotel and flight products, with API batch issuance for high-volume, repeatable cases.
Authorisation runs end to end on our infrastructure in 300 milliseconds or less, with proprietary 3DS you can set per transaction.
Owning the processing layer means the data is complete, with reports delivered through the portal, by email or by Secure File Transfer Protocol (SFTP).
Your system
BookingBK-20931
InvoiceINV-4471
ClaimCL-1023
API requestPOST /v1/cards
TripLink
IntegrationOne
WorkflowConfigured
DataAttached
One integration, configured to your business
Available to spend
EUR ,000
Credit lineEUR 150,000
Pre-funded balanceEUR 100,000
Money released when the supplier is paid
Card controls · hotel card
Hotel product
Spend cap
Merchant
3DS
Hotel card issued, controls on
Authorisation
ms
3DSSet per transaction
ProcessingOur infrastructure
Approved in 300 ms or less
Reconciled
Authorisation
Settlement
Card balances
Rebates
PortalEmailSFTP
Complete data, every transaction
- 01
One integrationWell documentedWorkflowsConfigured
Connect and configure
A single, well-documented integration point, with workflows configured to how your business already operates.
- 02Credit linePre-funded balance
Released when the supplier is paid
Fund or access credit
Credit line or pre-funded balance, funded from multiple locations, with money released when the supplier is paid.
- 03
Hotel product
Flight product
Issue and control the card
Purpose-built card products, including dedicated hotel and flight products, with API batch issuance for high-volume, repeatable cases.
- 04
Authorisation≤ 300 msStatusApprovedEnd to end
3DSProprietarySetPer transaction
Authorise and pay
Authorisation runs end to end on our infrastructure in 300 milliseconds or less, with proprietary 3DS you can set per transaction.
- 05
PortalOn demandEmailEach daySFTPEach day
Settle, report and reconcile
Owning the processing layer means the data is complete, with reports delivered through the portal, by email or by Secure File Transfer Protocol (SFTP).
01 / 05
- A customer system trigger, a booking, invoice or claim event, or a direct API request
- Use-case configuration set once and applied to every card that follows
- The first decision point: credit line or pre-funded balance
- Inputs: funding location, funding currency and transaction currency
- Create the card, single or multi-use
- Set value and usage limits, and validity windows
- Apply merchant and merchant category restrictions
- Route through maker-checker approval where required
- The supplier processes the payment
- TripLink evaluates the authorisation
- Card rules and fraud controls are applied
- Real-time status is returned
- Transaction settlement
- Reconciliation data matched back to the original transaction
- Reporting drill-down at transaction level
- Rebate information and delivery
- 20+card products
- 25+settlement currencies
- 6issuing markets
- 100%proprietary processing
Every capability, one single platform
Access funding, currency, card controls, processing, reporting and issuing all within the same infrastructure. They are not separate products bolted together.
- 01Credit linePre-funded balance
Or a combination of the two
Flexible funding
Credit line, pre-funded balance, or a combination of the two.
- 02
CardEURTransactionUSDZero FX fees
Multi-currency and embedded FX
Funding, settlement and conversion across 25+ settlement currencies, with balances held in the currencies you choose.
- 03
Spend
Timing
Currency
Merchant
3DS
Granular card and fraud controls
Spend, timing, currency, merchant and 3DS controls can be configured via API or portal.
- 04AuthorisationsSettlementsReversalsInfrastructure we control
Proprietary issuer processing
Authorisations, settlements and reversals flow through infrastructure we control, so nothing is hidden and issues can be diagnosed and resolved directly.
- 05
PortalOn demandEmailEach daySFTPEach day
Reporting and reconciliation
Transaction-level reporting with no third-party lag, covering finance, authorisation, settlement, card balances and rebates.
- 06
Netherlands
Spain
Ireland
Hong Kong
Singapore
USLicences in three jurisdictions
Local issuing
Local issuing across the Netherlands, Spain, Ireland, Hong Kong, Singapore and the US, backed by licences in three jurisdictions.
Settlement that reaches your whole supplier base
Americas
2 currencies
- USD
CAD
MXNComing soon
Europe
10 currencies
EUR
GBP
CHF
SEK
NOK
DKK
PLN
CZK
HUF
RON
Middle East & Africa
3 currencies
AED
SAR
ZAR
Asia Pacific
10 currencies
- HKD
- SGD
AUD
JPY
CNH
NZD
THB
MYR
PHP
IDR
Solutions built around who you are paying
Corporate payables
If you’re a business outside travel paying suppliers and vendors, or managing expense, advertising and subscription spend, we’ve got you covered.
Explore our solutions for corporate payables