Can Travel Customers Pay by UPI, Credit Card, Debit Card and Net Banking?

When a customer books a holiday, flight, hotel, tour package, or other travel service, they may not all want to pay in the same way. One customer may prefer UPI, another may want to use a credit card, while someone else may prefer net banking.

For a travel agency, offering the payment methods available under its approved payment setup can make it easier to collect booking advances, full payments, and remaining balances. You can also explore aamax for more information.

With ISIKKO Payments, travel businesses can configure multiple payment modes, including UPI, cards, net banking, and other available payment options, depending on the merchant configuration and applicable payment arrangements.

Can travel customers pay using UPI, cards and net banking?#

Yes. ISIKKO Payments is designed to support multiple payment methods for travel businesses.

Depending on the payment setup, customers may be able to choose from options such as:

• UPI
• Debit cards
• Credit cards
• Net banking
• Other configured payment options

The exact options available to a customer depend on the travel business's approved configuration, payment partner, and applicable onboarding requirements. Not every payment method is automatically available to every merchant.

This allows a travel agency to offer customers a payment experience that matches the payment options enabled for its business.

How does a travel customer make a payment?#

The process can be straightforward.

A typical payment flow works like this:

1. The travel agency creates or shares a payment request.
2. The customer opens the payment page or payment interface.
3. The customer selects the amount to be paid.
4. The customer chooses an available payment method.
5. The customer completes the transaction.
6. The payment status and relevant booking information become available to the travel business.

If you want to understand how a travel agency can initiate a payment request, see How Can I Send a Payment Request to a Customer for a Travel Booking?.

The exact flow can vary depending on how the agency uses ISIKKO with its website, booking process, or dedicated payment setup.

Can I collect an advance payment through UPI or cards?#

Yes, depending on the payment configuration.

Travel bookings are often not paid in one transaction. An agency may collect an advance when the customer confirms the booking and collect the remaining amount later.

For example:

Holiday package: ₹60,000
Advance required: ₹20,000
Remaining balance: ₹40,000

The customer can use an available payment method to pay the ₹20,000 advance. The remaining amount can then be tracked as part of the booking's payment workflow.

If your agency collects both booking advances and later balances, see Can I Collect Both Advance and Full Payments from Travel Customers?.

This is particularly useful for agencies that regularly collect advance payments before confirming hotels, flights, tours, transfers, or other travel arrangements.

Can different customers use different payment methods?#

Yes, where those methods are enabled for the merchant.

Consider a travel agency selling the same ₹50,000 holiday package to three customers:

• Customer A wants to pay the advance using UPI.
• Customer B prefers a credit card.
• Customer C wants to use net banking.

The agency can provide the payment options available in its configured payment setup rather than forcing every customer to use the same method.

The important point is that the available methods depend on the merchant's configuration and applicable payment arrangements.

What happens after the customer pays?#

Accepting a payment is only one part of the process. A travel agency also needs to know who paid, how much was paid, and which booking the payment belongs to.

With ISIKKO's payment workflow, relevant payment and booking information can be made available to the vendor for tracking. Payment information can also be emailed to the vendor, helping maintain a record of the transaction.

For example, after an advance payment, the agency may need to verify:

• Customer details
• Booking details
• Amount received
• Payment status
• Remaining balance
• Next payment requirement

If you want to understand how to verify whether money has actually been received, see How Can I Check Whether a Travel Customer's Payment Was Successfully Received?.

This becomes increasingly important when an agency manages many bookings at the same time.

What if the customer starts a payment but doesn't complete it?#

A customer opening a payment page does not necessarily mean the payment has been received.

A payment can be:

• Successfully completed
• Failed
• Incomplete
• Awaiting confirmation or verification

The agency should check the payment status before treating the amount as received.

For example, a customer may tell an agent, “I have already paid,” while the transaction has actually failed or has not yet been confirmed.

For a detailed explanation, see What Happens When a Customer's Travel Payment Fails or Remains Incomplete?.

Checking the recorded payment status helps the agency avoid treating an unconfirmed amount as received.

Can customers pay the remaining balance later?#

Yes, travel businesses often need to collect payments in stages.

A typical booking could look like:

Total booking: ₹1,00,000
Advance paid: ₹30,000
Balance: ₹70,000

The customer may pay the advance at the time of booking and the remaining ₹70,000 before the agreed due date.

Keeping the payment information connected to the booking makes it easier for the travel team to identify which customers have paid, which customers still have an outstanding balance, and what amount remains due.

If following up on outstanding amounts is a regular problem for your agency, see Can I Automatically Remind Travel Customers About Pending Payments?.

Why do multiple payment methods matter for travel agencies?#

Travel customers have different preferences. Some are comfortable with UPI, while others prefer cards or net banking.

Supporting relevant payment options can help a travel agency:

• Give customers more flexibility
• Collect booking advances more easily
• Accept full or staged payments
• Reduce payment-related back-and-forth
• Keep payment information connected to bookings
• Track received and pending amounts more systematically

However, offering multiple payment methods alone does not solve payment-management problems. The agency also needs a reliable way to confirm transactions and track outstanding amounts.

If your main challenge is keeping track of payments from different customers and bookings, read Why Is It Difficult to Track Customer Payments for Travel Bookings?.

Does ISIKKO work with an existing travel website?#

Yes. ISIKKO Payments can be used with an existing website or as part of the ISIKKO booking experience.

The payment solution is designed to work as a payment layer for travel businesses rather than requiring an agency to rebuild its entire website.

If you already have a travel website and want to understand how the payment setup can be implemented, see How Can I Add ISIKKO Payments to My Existing Travel Website?.

What if I don't have a travel website?#

A travel website is not necessarily required just to collect payments through ISIKKO.

Depending on the business setup, ISIKKO can provide a dedicated payment setup that gives customers a payment interface associated with the travel business.

This can be useful for agencies that currently handle bookings through offline channels, phone calls, WhatsApp, or other booking workflows but still want to provide customers with an online payment option.

You don't need to build a complete travel website just to accept online payments through ISIKKO.

Is ISIKKO itself a payment provider?#

No. ISIKKO is not a payment provider like Paytm or Razorpay.

ISIKKO is a payment solution designed to help travel businesses manage their payment-collection workflow.

Depending on the setup, it can connect the payment process with the customer's booking, payment amount, status, and remaining balance.

The actual payment methods and their availability depend on the merchant's configuration, payment partner, and applicable requirements.

Final Thoughts#

For a travel agency, accepting payments is not just about providing a UPI or card option. The payment also needs to be connected to the right customer, booking, amount, and payment status.

ISIKKO Payments is designed to help travel businesses manage this process by supporting configured payment methods, advance and full payments, balance tracking, and payment visibility within the booking workflow.

If your travel business wants to accept online payments without losing track of which customer paid, how much was received, and what remains due, explore the ISIKKO Payment Solution.