Repayd have partnered with Hands In to bring multi-card payment capabilities to our travel merchant accounts. This integration helps reduce payment failures, recover declined transactions, and generate incremental revenue by allowing customers to split high-value travel bookings across multiple cards. With proven results showing $20M+ in incremental sales and 50%+ recovery rates on failed transactions, this partnership reinforces Repayd's position as the leading merchant account solution for the global travel industry.
We're excited to announce our partnership with Hands In, the innovative UK-based payments technology company that's revolutionizing how customers complete high-value purchases. This collaboration brings powerful multi-card payment capabilities to Repayd merchants, helping travel companies reduce failed transactions, recover declined payments and generate incremental revenue.
Repayd continually enhance our platform with solutions that directly address the unique challenges facing travel businesses. This partnership with Hands In represents another significant advancement in our mission to provide the most comprehensive merchant account solution for the travel industry.
For travel businesses processing high-value bookings, payment failures due to credit limits and insufficient funds are a persistent challenge. This partnership solves that problem, reinforcing Repayd's position as a leading travel payments provider.
The Payment Challenge Facing Travel Companies
Every travel merchant knows the frustration: a customer spends time carefully selecting their perfect trip, goes through the entire booking process, and then their payment fails. Maybe their credit limit won't cover the full amount. Perhaps they're trying to split a group booking across multiple cards. Or their single card simply doesn't have sufficient funds available at that moment.
The result? Lost revenue, disappointed customers, and abandoned bookings that your team worked hard to generate.
Traditional payment systems force customers into a binary outcome: the transaction either succeeds or fails. When it fails, customers often abandon the purchase entirely rather than trying again with a different payment method. For high-value travel bookings averaging thousands of dollars, these failed transactions represent significant lost revenue.
Industry data shows that payment failures cost travel businesses millions in unrealized bookings. Credit limits become particularly problematic for premium experiences, multi-person bookings, and last-minute travel where customers may already have substantial charges on their cards.
This is precisely why travel companies need more than generic payment processing—they need a merchant account built specifically to solve these industry challenges. Repayd addresses these issues comprehensively, and our partnership with Hands In adds another powerful tool to our merchant account platform.
How Multi-Card Payments Transform Travel Bookings
Through our integration with Hands In, Repayd merchants can now offer customers the flexibility to split payments across two or more cards within a single checkout flow. This simple capability solves multiple problems simultaneously.
Eliminating Credit Limit Barriers
Customers can combine their debit and credit cards, use multiple credit cards, or mix personal and corporate payment methods. A family booking an $8,000 cruise can split the payment across two cards with $4,000 limits rather than being declined. A business traveler can put part of an expensive trip on their corporate card and the remainder on their personal card.
Recovering Failed Transactions Automatically
The multi-card option can be enabled directly at checkout, giving customers flexibility from the start. Even better, it can be triggered automatically as a recovery prompt after a failed transaction, giving customers an immediate alternative rather than losing them to abandonment.
When a payment fails due to insufficient funds, instead of seeing an error message and leaving your site, customers receive a prompt asking if they'd like to split the payment across multiple cards. This recovery mechanism turns failed transactions into successful bookings.
Improving Customer Experience
Payment flexibility isn't just about preventing failures—it's about providing a superior booking experience. Customers appreciate having options, especially for significant purchases. The ability to split payments demonstrates that you understand their needs and have built your systems around customer convenience rather than rigid payment rules.
Proven Results: $20M+ in Incremental Sales
Hands In's multi-card payment technology has already generated impressive results across their merchant network. The platform has facilitated over $20 million in incremental sales, with more than 50% of that amount recovered from transactions that would have otherwise failed due to insufficient funds.
For Repayd clients, this translates directly to bottom-line impact:
- Reduced payment decline rates mean more bookings convert to confirmed revenue rather than abandoned carts.
- Recovered failed transactions turn what would be lost sales into successful bookings without any additional marketing spend.
- Higher average order values become achievable as customers can comfortably book more expensive experiences knowing they can split payments.
- Improved conversion rates result from removing friction at the most critical point in the booking journey—payment completion.
Seamless Integration with Repayd's Travel Merchant Account Platform
The Hands In integration fits naturally within Repayd's infrastructure, strengthening what is already the most comprehensive travel focused payment solution. Our clients already benefit from the several travel specific features that set Repayd apart:
- Trust Accounts that protect customer funds and build confidence.
- Protected Processing with integrated chargeback insurance.
- Multi-Currency Pricing and global payment capabilities.
- Control Accounts for optimal cash flow management.
- Advanced risk intelligence trained on travel transaction patterns.
- Expert support from specialists who understand travel operations.
Now, multi-card payment capabilities add another powerful tool to our platform. The integration works within your existing checkout flow without requiring complex technical changes. Users can configure when and how the multi-card option appears—whether as a standard option for all customers or triggered specifically as a recovery mechanism for failed payments.
What This Means for Repayd Clients
If you're a Repayd client, this partnership delivers immediate, tangible benefits:
Key Benefits For Tour Operators
High-value tour packages often bump against credit limits. Multi-card payments enable customers to book that dream safari, adventure expedition or luxury tour without worrying whether a single card can cover the full amount. Group bookings become easier to process as different participants can contribute using their own cards within a single transaction.
Key Benefits For Aviation Companies
Charter flights and premium aviation services command significant prices. Multi-card capabilities reduce payment failures on these high-value bookings while providing corporate clients flexibility to split payments between business and personal cards as needed.
Key Benefits For Cruise Lines
Cruise bookings represent some of the highest average transaction values in travel. Credit limits frequently cause payment failures for these bookings. Multi-card payments directly address this issue, helping convert more inquiries into confirmed reservations.
Key Benefits For Travel Technology Platforms and Marketplaces
Platforms processing bookings on behalf of multiple suppliers can offer enhanced payment flexibility that differentiates their checkout experience from competitors. Better conversion rates benefit both the platform and the suppliers using it.
Key Benefits For Accommodation Providers
Extended stays, group bookings and premium properties often exceed single-card limits. Multi-card payments make these high-value bookings more accessible while reducing the administrative burden of handling multiple separate transactions.
Why We Chose Hands In
With our travel specific focus and commitment to putting our clients' needs first, selecting the right partner for this integration was crucial. We needed a company that understood the unique challenges of travel payments, offered proven technology, and shared our commitment to merchant success.
Hands In checked every box, making them the perfect partner to enhance our existing platform:
- Proven track record with over $20 million in incremental sales and 50%+ recovery rates on failed transactions demonstrates real-world effectiveness that aligns with Repayd's commitment to delivering measurable results.
- Seamless technology that integrates directly with existing payment infrastructure without disrupting merchant operations or requiring extensive development resources.
- Shared vision for helping merchants capture every possible sale while improving customer experience.
- UK-based innovation from a company that understands European and global payment landscapes, matching our international focus.
"We're thrilled to partner with Will Plummer and the visionary team at Repayd," said Samuel Flynn, CEO of Hands In. "Our shared goal is to help travel merchants capture every sale possible. Multi-card payments are a proven way to achieve that, and we're proud to make it accessible through such a trusted infrastructure for travel payments."
Our Commitment to Merchant Success
At Repayd, we're constantly seeking ways to help our clients grow their businesses and serve their customers better. This partnership with Hands In represents another step in that ongoing commitment.
"Our merchants are constantly looking for ways to enhance customer experience and reduce payment friction," said Will Plummer, CEO of Repayd (part of trust My Group). "By partnering with Hands In, we're helping them turn failed or high-value transactions into confirmed bookings, without adding complexity to their checkout."
We understand that travel businesses operate on thin margins where every conversion matters. Payment failures don't just represent lost immediate revenue—they represent lost customers who may never return, lost word-of-mouth recommendations, and lost opportunities to build lasting relationships.
By reducing payment friction and providing flexible options, we help our merchants protect revenue, improve customer satisfaction, and build sustainable growth.
Getting Started with Multi-Card Payments
For existing Repayd users, enabling multi-card payment capabilities is straightforward. The integration works within your current setup, and our team provides full support throughout implementation. Whether you want to offer multi-card payments as a standard checkout option or deploy it specifically as a recovery tool for failed transactions, we'll help you configure the solution to match your business needs and customer base.
For travel companies not yet using Repayd, this partnership represents one more reason to consider switching to our platform. Multi-card payments, combined with our trust accounts, chargeback insurance, control accounts, multi-currency capabilities, and travel-specific expertise, provide a comprehensive merchant account solution that generic payment processors simply cannot match.
When you choose Repayd, you're not just getting payment processing—you're partnering with a provider that understands your industry, protects your business and continuously innovates to help you succeed.
Our Vision for the Future of Travel Payments
This partnership with Hands In reflects our broader vision for the future of travel payments and reinforces our commitment to building the best merchant account solution for the travel industry. We're committed to making payments more flexible, more intelligent, and more focused on converting bookings rather than creating barriers.
We understand that payment technology should work for merchants and customers, not against them. Traditional payment systems were built for retail transactions, focusing on small values, immediate fulfillment and domestic operations. Travel is fundamentally different, requiring solutions designed specifically for high-value bookings, extended fulfillment periods, international operations, and unique industry challenges.
This is what sets Repayd apart. We don't adapt retail payment systems for travel; we build travel payment systems from the ground up.
We're committed to continuously enhancing our platform with innovations that address real merchant needs. Multi-card payments solve a genuine problem that costs travel businesses millions in lost revenue. Every enhancement we add—from chargeback insurance to control accounts to multi-card payments—reinforces our commitment to support travel companies with the growth, stability, and innovation they need.
About Hands In
Founded in 2022, Hands In is a UK-based payments technology provider helping merchants increase conversions by offering multi-card checkout, group payments, and decline recovery. The company integrates directly with existing payment service providers to reduce payment failures, cart abandonment, and friction in high-value transactions. With over $20 million in incremental sales generated and proven recovery rates exceeding 50% on failed transactions, Hands In delivers measurable results for merchants across various industries.
Ready to reduce payment failures and capture more bookings? Contact our team to learn how Repayd can help your business turn declined transactions into confirmed revenue, with comprehensive protection, control, and growth capabilities that generic processors cannot match.
