Embedded Payments

Embedded Payments

Payments built into your travel software

Kovena enables your travel software platforms to offer fully embedded payments to your customers – hotels, travel agents, and tour operators, without leaving your interface. Your customers onboard, take and operate payments, reconcile and manage disputes inside the software they already use every day.

For Travel Software Providers it means a new revenue stream and a stickier platform.

For Travel Service Providers it means one less system to manage and a payment experience that seamlessly works as part of your core operations

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One partner for the entire payment lifecycle

Kovena provides the complete payment solution – merchant onboarding, payment processing, reporting, chargeback management and ongoing support – under a single integration and a single commercial relationship. There is no stitching together of multiple vendors: everything your customers need to get paid lives in one place.

100% white-label

Every screen, statement, email and notification can be fully branded as yours and customised to your workflow. Your customers experience your brand end to end. They never see Kovena.

What you can build

Every element below is available via REST API or as a drop-in embeddable widget. You can build deep, or ship fast without losing customer experience.

  • Onboarding — fast KYC/KYB merchant onboarding via API or embeddable widget
  • Merchant management system — manage and track merchants, statuses, settings and risk limits from one place
  • Tokenize — securely capture and store cards as reusable tokens
  • Auth — authorise a card for a known or pending amount
  • Charge — capture funds in full or in part against a prior authorisation
  • Refund — full and partial refunds, processed in-platform
  • Surcharging — dynamically surcharge depending on payment type
  • 30-day pre-auth holds — extended authorisation windows suited to deposit holds and longer-lead bookings — a critical capability the travel industry rarely gets from generic processors
  • Complete the hold — capture a held authorisation in full or in part when the booking is fulfilled
  • Payment Request Links — send secure, branded links to collect payment — including card request links
  • In-person payments — POS and terminal support for front-desk and on-site collection*

*only available in certain countries

  • Transaction reporting — complete, real-time visibility of every transaction, inclusive of booking data
  • Disbursement reporting — settlement and payout reporting built so reconciliation happens directly inside your travel software — all booking and payment data in one place
  • Customisable 3DS — tune 3D Secure rules to balance conversion and protection
  • Machine-learning fraud detection — adaptive, data-driven screening that improves over time
  • Chargeback management — end-to-end dispute handling and representment
  • Charge automation — automated charging with secure storage and encryption of locked Virtual Cards issued by OTAs
  • Smart routing — route transactions for higher authorisation rates and lower processing costs
  • FX conversion — accept and convert across currencies
  • Webhook & API notifications — real-time event notifications to keep your platform in sync

Why Travel Operators Trust Kovena Embedded Payments

Kovena is built specifically for travel, giving travel businesses the payment flexibility, risk protection and revenue share they need to grow. We believe in a win-win partnership model: a model that rewards partners fairly and strengthens the authentic, connected travel ecosystem that we’re already proud to be a part of.

The best partner revenue share in the category

Earn a large share of the payments' gross profit, recurring on every transaction.
It isn't a one-off referral fee, it's an ongoing income stream that grows as your platform grows, turning payments into a core revenue line for your business.

Built for how travel actually works

Get 30-day pre-auth holds, settlement aligned to guest check-out, no-show handling and booking-aware fraud screening.
Your customers can take deposits, manage no-shows and protect revenue in ways generic processors can't, so you win and keep more travel clients.

One partner, one integration

Onboarding, processing, reporting, disputes and support are all managed by us.
That means less resources required to build and maintain, and a faster path to launch, freeing your team to focus on your own product.

Your brand, end to end

100% white-label. Every screen, statement, email and notification can be fully branded as your own. You keep the customer, the data and the relationship, so every payment strengthens loyalty to your platform and makes it stickier.

Global reach from one integration

A single commercial agreement opens 10+ currencies and around 35 countries across ANZ, SE Asia, the Pacific, North America, LATAM and the EU.
Expand into new markets without setting up a local entity or signing a new contract each time, so you grow faster and at lower cost.

Let's grow your travel business. It's easy to start

Let us show you the opportunities embedded payments could open up for you and your customers.

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