Overview
MCC 4722 covers travel agencies, online travel agents, and tour operators that arrange travel packages, flights, accommodation, and experiences on behalf of travellers. This includes both traditional high-street agencies and major online platforms.
Transaction Profile
Mid to high value, moderate frequency, card-not-present dominant, significant advance purchase periods, instalment payment plans common, high seasonal variability
Card Network Notes
Visa and Mastercard classify travel agents as requiring enhanced monitoring due to future delivery exposure. Acquirers should track advance payment ratios and supplier settlement terms.
Risk & Compliance
Medium risk. Significant future delivery exposure due to advance booking models. Travel disruptions, supplier failures, and cancellations create chargeback vulnerability. The collapse of travel companies (such as Thomas Cook) demonstrated systemic risk. Package travel regulations provide consumer refund rights in many jurisdictions.