Payment processing built by and for travel professionals

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ARC Pay offers effective and efficient options to process credit card transactions for all travel-related products and services.


Trusted by travel professionals for more than 25 years

At ARC, travel is our business. ARC Pay started as a way to add service fees to transactions and grew to help agencies process charges for air travel and group charges – any travel-related payments an agency may need to process. We understand the nuances of the industry, including what many payment processors see as risks.

All major credit cards and preferred digital wallets accepted

The ARC Pay Platform allows your agency the flexibility to offer multiple payment methods and digital wallet options that your travelers expect.

Simple, transparent pricing

ARC Pay has a fixed processing fee* of 3.5% for all cards, including UATP. There are no additional service fees or downgrade costs. *-$.70 minimum, additional gateway fees may apply
Monthly subscription
$17.50 charge only applies when ARC Pay is used.
Fixed processing fee
Enterprise pricing
If your business does more than $5M in annual credit card sales, talk to us about special rates and other ways we can save you money.

Spend less time entering data

Save time and reduce errors when issuing ARC Pay transactions via your GDS. ARC Pay automatically pulls in ticket reservation data so you'll never have to re-enter passenger information or credit card information.
Simplify the business side of your travel business
ARC Pay Systems Integration
Systems integration
ARC Pay transactions feed directly into your back-office systems and streamlines reconciliation and reporting.
ARC Pay IAR Consolidation
IAR consolidation
Along with air ticketing, ARC Pay transactions are consolidated within the ARC settlement environment.
Single-merchant management
Single-merchant management
Using ARC Pay eliminates the need to manage multiple credit card merchant accounts.

Three convenient options to best fit the way you work


Easy, convenient payment processing

Issuing ARC Pay credit card payments via any GDS automatically pulls in ticket reservation data. You never have to re-enter passenger information or credit card numbers.

You process ARC Pay transactions as if you’re booking an airline ticket — using the ARC airline code “890”. This function is native within each of the main GDS providers — Amadeus, Sabre, Travelport (Apollo and Worldspan).

ARC Pay Agreement
ARC Pay Hub

Payment processing for VTCs

ARC Pay Hub is an easy-to-use, web-based credit card processing tool for all travel-related credit card transactions. Used by agencies of all sizes and types, it’s ideal for smaller agencies or Verified Travel Consultants (VTCs) that need a simple payment workflow where GDS access or API integration is not available.

ARC Pay Hub functions as a browser-based “virtual terminal” accessed via My ARC. It allows agencies to process transactions and view reports in a single place. Users can process transactions up to $10,000 that are settled via the normal ARC process and available through IAR on a daily basis.

Get Started Guide
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Seamless payment acceptance

ARC Pay API provides agents, aggregators and airlines with a seamless way to embed ARC’s payment processing directly into their booking experience, including mobile, web or custom software. Your customers will appreciate a one-click payment experience that supports Apple Pay, Android Pay and other travel-focused features and payment methods.

The API will include added security features such as tokenization and full EMV 3DS (3DS 2.0) support. In addition to a direct API, there are two hosted checkout offerings, helping to reduce or remove PCI scope and providing integrators more flexibility.

Developer Portal

Trusted Affiliates

As the ARC Pay Platform continues to grow, we partner with third parties to deliver innovative features and functionality that leverage ARC Pay and our trusted settlement platform.
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Offer Buy Now, Pay Later Service

Give your customers the flexibility to spread the cost of their trips over low monthly payments. ARC and Uplift support ARC-accredited agencies and Verified Travel Consultants (VTCs) that wish to offer buy now, pay later (BNPL) services. Uplift specializes in BNPL services for the travel sector ― their solutions are used by airlines, cruise operators and destinations.

Instructions and links to a step-by-step guide can be found in ARC Pay Hub, accessible from the My ARC tools menu. If you need My ARC access, contact ARC’s Customer Care Center for assistance.

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Product Sheet
Product Sheet
For more information, download the ARC Pay product sheet.
This is the document referenced in the ARA and VTC agreements.
ARC Pay Savings Calculator
Try the ARC Pay Savings Calculator to see how much time and money you might save with ARC Pay.
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Travel Agency Payment Best Practices
Travel Agency Payment Best Practices
A concise guide with advice, best practices and practical examples for travel payment professionals.
Chargebacks Best Practices
Best Practices
A set of best practices to help travel agencies reduce and mitigate chargebacks.
Fraud Prevention Practices
Fraud Prevention Practices
ARC provides advice, education and tools to help recognize and reduce fraud and mitigate risk.
Learn More