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About ACS

AFTA Chargeback Scheme (ACS) is available to ATAS accredited travel agencies and provides protection against consumer credit card chargebacks which result from supplier insolvency.

The Scheme has been established as a member focused non-profit organisation and there is no cost to members to become participants in the Scheme.

ACS is the first scheme of its kind that offers protection against Forward Delivery Risk that traditionally has not been covered by insurance providers.


"ACS is a Mutual Fund, whereby members contribute to a collective and use their combined purchasing power to spread the cost of managing risk in relation to credit card chargebacks. The structure also enables ACS to tailor risk management products and services to meet the changing needs and emerging risks of the travel industry."

How does the Scheme work?

There are no upfront insurance premiums for you to pay when you join ACS.

When a consumer chooses to pay you by credit card, they will also pay the ACS contribution, which will be held by the fund to cover any losses incurred in the event of a chargeback resulting from supplier failure.

The ACS Contribution can be levied in your credit or debit card surcharging arrangements as ACS is compliant with the Reserve Bank of Australia, Standard No. 3 Of 2016 Scheme Rules Relating to Merchant Pricing for Credit Debit and Prepaid Card Transactions.

By becoming an ACS Member, not only are you ensuring that you are part of a scheme that protects your bottom line, you are also joining a robust organisation that is committed to assist you by providing access to a range of payment partners that offer innovative, tailored and cost effective payment solutions.

Understanding the AFTA Chargeback Scheme >


ACS Infograph

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