Payment Gateway Layer
Payment intent, authorization, capture, callback, failure, refund, transaction reference, and status monitoring.
PAY-GATEWAYPayment and Settlement System
Connect travel transactions with financial control.
Trip Tech builds payment and settlement systems for customer payments, agent wallets, deposits, credit, refunds, supplier settlement, invoicing, reconciliation, and financial reporting.
Payment GatewaysAgent WalletsCredit ControlSettlement and Reconciliation
Travel Finance Control Center
TRANSACTIONS MONITORED
PAYMENTSTracked
WALLETSUpdated
REFUNDSMatched
SETTLEMENTControlled
REFERENCETYPESTATUSAMOUNTOWNER
PAY-72031CardCapturedAED 2,450Auto
WLT-72032WalletPostedAED 11,800Finance
RFD-72033RefundPendingAED 1,240Ops
REC-72034GatewayMismatchAED 680Finance
Transaction Flow
Track every financial event from payment initiation to final settlement.
Every payment should move through a controlled lifecycle with clear status, references, ownership, recovery logic, accounting impact, and reconciliation.
Initiate
Create payment intent, wallet deduction, or credit authorization.
Authorize
Confirm funds, balance, card, gateway, or credit availability.
Capture
Complete the transaction and preserve the financial reference.
Post
Update booking, wallet, invoice, and ledger state.
Settle
Match selling value with supplier and company obligations.
Reconcile
Compare platform, gateway, bank, supplier, and ledger records.
Report
Produce statements, invoices, exceptions, and management information.
Core Modules
Everything needed to manage travel finance workflows.
The platform connects payment processing, agent balances, credit, refunds, suppliers, documents, control, and reporting through one financial layer.
Agent Wallet
Deposits, available balance, deductions, reversals, adjustments, holds, history, and statements.
WALLET-CORECredit Management
Credit limits, payment terms, exposure, overdue review, approval thresholds, and account controls.
CREDIT-ENGINERefund Management
Refund request, supplier status, payment reversal, fees, approval, and final settlement.
REFUND-FLOWSupplier Settlement
Supplier cost, payable, remittance, deposits, billing cycle, adjustment, and settlement reference.
SUPPLIER-SETTLEInvoices and Statements
Customer invoices, agent statements, receipts, credit notes, debit notes, and transaction summaries.
FINANCE-DOCSReconciliation
Match platform, gateway, bank, wallet, supplier, invoice, refund, and ledger transactions.
RECON-ENGINERoles and Audit
Finance users, approvals, restricted actions, adjustment authority, audit history, and accountability.
ACCESS-CONTROLPayment Control
Keep booking and payment states synchronized.
Travel payments can fail, duplicate, reverse, or complete before the booking is fully resolved. The system must preserve each state and protect the customer and business.
PAY-01Payment Intent
Create a unique transaction before sending the user to a gateway.
Create a unique transaction before sending the user to a gateway.
INITIATE
PAY-02Callback Validation
Verify response, signature, amount, currency, and reference.
Verify response, signature, amount, currency, and reference.
VERIFY
PAY-03Idempotent Processing
Prevent duplicate capture, deduction, refund, or posting.
Prevent duplicate capture, deduction, refund, or posting.
PROTECT
PAY-04Booking Synchronization
Connect payment with reservation, ticket, voucher, or order status.
Connect payment with reservation, ticket, voucher, or order status.
SYNC
PAY-05Exception Routing
Escalate uncertain, mismatched, delayed, or partial transactions.
Escalate uncertain, mismatched, delayed, or partial transactions.
RECOVER
Wallet and Credit
Support prepaid, credit, and mixed account models.
PREPAID WALLET MODEL
Control available balance through a transaction-level ledger.
Agents or business clients fund their accounts in advance and use the available balance for bookings and services.
- Deposit request and approval
- Available and reserved balance
- Booking deductions and reversals
- Adjustments with approval
- Transaction-level ledger history
- Statements and balance reports
CREDIT ACCOUNT MODEL
Manage approved exposure with clear limits and controls.
Eligible agencies or corporate clients transact against approved credit with monitored usage and repayment terms.
- Approved credit limit
- Available and utilized exposure
- Payment terms and due dates
- Threshold alerts and account blocks
- Supervisor approval workflow
- Ageing and collection reporting
Transaction State Management
Know exactly what happened at every payment stage.
A financial transaction should never be treated as simply successful or failed. The platform needs precise states, references, recovery logic, and accounting impact.
Initiated
A unique reference is created before the payment or wallet action begins.
Authorized
The gateway, bank, wallet, or credit system confirms funds or exposure.
Captured or Posted
The amount is charged, deducted, or posted into the financial ledger.
Payment Success, Booking Pending
The transaction succeeds but the reservation, ticket, or voucher remains uncertain.
Refund Pending
A refund is approved but supplier, gateway, bank, or internal settlement is incomplete.
Reconciliation Exception
Platform, gateway, bank, supplier, wallet, or ledger values do not match.
Supplier Settlement
Connect booking value with supplier obligations.
Travel finance must separate selling price, supplier cost, margin, fees, taxes, payment charges, and final settlement.
01
Supplier Cost Capture
Store net cost, taxes, charges, booking reference, and settlement currency.
RECORD
02
Payable Calculation
Calculate the final obligation after refund, void, adjustment, or cancellation.
CALCULATE
03
Settlement Scheduling
Group obligations by supplier, cycle, currency, branch, account, or agreement.
SCHEDULE
04
Payment and Remittance
Record transfers, deposit usage, references, documents, and approvals.
SETTLE
05
Supplier Reconciliation
Match bookings, invoices, refunds, credits, debits, and final account position.
RECONCILE
Reconciliation
Match every financial record across the travel ecosystem.
Identify missing, duplicated, mismatched, delayed, and manually adjusted transactions before they create larger financial risk.
RECON-01Gateway Reconciliation
Match payment intent, callback, capture, refund, reversal, fee, and settlement records.
RECON-02Bank Reconciliation
Compare platform transactions with bank credits, debits, references, and dates.
RECON-03Wallet Reconciliation
Validate deposits, deductions, reversals, adjustments, holds, and closing balance.
RECON-04Supplier Reconciliation
Match booking cost, refund, invoice, credit note, deposit usage, and payable.
System Architecture
Build one financial layer across every booking channel.
The system can sit behind B2C, B2B, corporate, flight, hotel, and operations platforms to create one consistent financial record.
LAYER-01Transaction Layer
Payment intents, wallet actions, credit usage, refunds, and adjustments
Payment intents, wallet actions, credit usage, refunds, and adjustments
RECORD
LAYER-02Booking Synchronization
Reservation, ticket, voucher, service, and cancellation states
Reservation, ticket, voucher, service, and cancellation states
SYNC
LAYER-03Ledger and Control
Balances, exposure, approvals, invoices, statements, and audit
Balances, exposure, approvals, invoices, statements, and audit
CONTROL
LAYER-04Settlement Layer
Gateway, bank, supplier, customer, agent, and company obligations
Gateway, bank, supplier, customer, agent, and company obligations
SETTLE
LAYER-05Reconciliation and Reporting
Matching, exceptions, statements, and management information
Matching, exceptions, statements, and management information
MEASURE
Delivery Roadmap
Build the system around your payment and finance model.
Booking channels, payment methods, agent accounts, credit policy, suppliers, accounting, approvals, and reporting needs determine the final implementation plan.
Financial Process Review
Map payments, deposits, wallet, credit, refunds, suppliers, invoices, bank, and reconciliation.
Control Design
Define transaction states, approvals, ledger rules, exposure, settlement, documents, and audit.
Platform Build
Develop payment, wallet, credit, refund, settlement, invoicing, reconciliation, and reports.
Integration and Testing
Connect bookings, gateways, banks, suppliers, accounting, and validate failure scenarios.
Rollout and Monitoring
Train users, migrate balances, monitor transactions, resolve exceptions, and improve controls.
Common Questions
Planning a payment and settlement system.
The right structure depends on booking channels, payment methods, account models, supplier obligations, approvals, and accounting requirements.
Can the platform support both card payments and agent wallets?
Yes. It can support payment gateways, prepaid wallets, approved credit, bank deposits, invoices, local payment methods, and mixed account models.
How are duplicate payments prevented?
Unique payment intents, transaction references, callback validation, idempotent processing, and booking-state checks help prevent duplicate charges or deductions.
Can refunds be tracked from supplier to customer?
Yes. Supplier refund status, cancellation fee, gateway reversal, wallet credit, customer payment, approval, and final settlement can be connected.
Can the system manage agent credit limits?
Yes. Credit limits, exposure, usage, due dates, approvals, account blocks, and ageing reports can be configured and monitored.
Can the platform integrate with accounting systems?
Yes. Booking, invoice, payment, refund, settlement, supplier, customer, agent, and ledger data can be exchanged with supported accounting or ERP systems.
Build your payment and settlement system with Trip Tech.
Share your booking channels, payment methods, wallet or credit model, suppliers, refund process, accounting systems, and control requirements.