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ACS uses the combined buying power of its members to negotiate favourable merchant terms with merchant services providers. ACS will have a number of merchant facility providers known as Payment Partner.

As part of joining ACS your business will be required to join one of these Payment Partners to enjoy the benefits of Scheme. Each Payment Partner is different having diverse services and products and are offered to you, as your business is ATAS accredited. It is important that you evaluate each offers from the payment partners and select the one that best suits your business.

Upon AFTA receiving your application your details will be provided to all of the below listed payment partners.

Approved Payment Partners


TravelPay was the first approved Payment Partner, joining in June 2017. TravelPay provides its established payment solutions to travel agents who wish to benefit from the additional financial protections provided by ACS. TravelPay has extensive experience working with many ATAS travel agents. TravelPay already provides payment solutions to hundreds of travel agents and their team of BDMs has more than 100 years’ travel industry experience.


TC Pay

TC Pay is a range of payment solutions exclusively available to Travellers Choice member agents to support the needs of their customers in today’s dynamic environment.

Services include ‘LayBy’ which provides members with a comprehensive layby offer not available through any other agents; ‘BizPay’ which assists with the payment of everyday business overheads and rewards members with Qantas Business Reward Points; and, ‘CardPay’ developed in partnership with TravelPay to offer members an alternative method to process client credit card payments.

Features of CardPay:

  • Simple online payment portal
  • No cost to the agency
  • Card transactions processed before 4pm on business days are deposited in the nominated bank account the next business day
  • Simple and user-friendly reconciliation report (PDF/PAY/CSV) sent daily with details of credit card transactions
  • Top of the range, state of the art processing systems which are PCI compliant
  • Ability to have a customer facing link (B2C) on agency website, invoices, brochures or email signature
  • Part of the AFTA Chargeback Scheme (ACS)
  • Access to negotiated rates for Mastercard, Visa and American Express
  • Backed by merchant service provider TravelPay

TC Pay
First Data

First Data is pleased to be appointed as an approved merchant acquirer for ACS. As one of the largest independent merchant acquirers in the world we have a long history of working with this industry and staff specifically trained to understand the travel sector. With more than 25 years payments experience in Australia we are focused on helping customers grow their business. From boutique travel outlets to major retailers, First Data enables businesses to accept a range of payment types – easily, securely and reliably, whether business is conducted in-store, on the go, by phone, or online.

First Data

Express Pay

Express Pay is an online merchant card service platform exclusively available to members of Express Travel Group. Locally developed by a reputable financial services technology group in conjunction with the National Australia Bank (NAB), Express Pay is built on solid architecture, is PCI-compliant and linked to a dependable banking institution.

Powered by Fat Zebra and backed by the merchant services provided by the nab and First Data. Express Pay also utilises the operational and merchant services of Travel Pay as a Preferred Supplier.

Features of Express Pay

  • Accessible via single sign-on within the Express Travel Member Platform.
  • A quick 2-step process to make a payment. 
  • No cost to your agency. 
  • AFTA Chargeback Scheme (ACS) approved and integrated. 
  • Compatible with Book Safe Agent™ 
  • Backed by merchant services provided by the nab and First Data. 
  • A single rate† across VISA, MasterCard credit cards with the ability to integrate your own negotiated AMEX rate. 
  • The ability to print out / email receipts per transaction. 
  • A user friendly Express Pay Merchant Dashboard featuring daily transaction reporting and administrative tools. 
  • Ability to also have a customer-facing (B2C) payment module for incorporation onto your own website.

Express Pay

Mint Payments

Mint joined ACS as a payment partner in September 2017, offering our travel clients an added value to our payment solutions. Mint is an ASX listed payments provider, established since 2005, with operations in Australia, New Zealand and Singapore. Travel is one of Mint’s key verticals and Mint are committed to offering payment solutions that are innovative and relevant to travel. Mint currently offers a seamless integrated payment solution through mid-office systems such Tramada and TravelPartner, as well as other travel software leaders as OTALabs. Mint’s integration with these travel partners enables travel agents to take payments directly from the mid office, eliminating keying errors, improving reconciliation and overall efficiencies.


Fat Zebra

Fat Zebra is proud to be the member of ACS. Fat Zebra is a Level 1 PCI DSS Compliant payment gateway provider that can support merchants operating in Australia and New Zealand. Fat Zebra currently supports merchants in the travel industry, as well as partners that have integrations with various reservation systems. Fat Zebra offers an easy to integrate payment solution that supports features such as advanced fraud tools, digital wallets (MasterPass, Visa Checkout, ApplePay & AndroidPay), and surcharging based on the card category.

Fat Zebra

SecurePay is delighted to partner with AFTA and its members to facilitate ACS payments. SecurePay is all about giving you and your customers more choice. With SecurePay Online Payments, your customers can pay how they want to. SecurePay has provided online payment processing services to Australian businesses since 1999. SecurePay offers ATAS Accredited travel agents easy access to a wider choice of payment methods, improved payment processing and the protection provided by ACS.


Wirecard is pleased to join payment partner AFTA as a member of ACS. Wirecard AG is a global technology group that supports companies in accepting electronic payments from all sales channels. As a leading independent supplier, the Wirecard Group offers outsourcing and white label solutions for electronic payments. A global platform bundles international payment acceptances and methods with supplementary fraud prevention solutions. With regard to issuing own payment instruments in the form of cards or mobile payment solutions, the Wirecard Group provides companies with an end-to-end infrastructure, including the requisite licenses for card and account products. Wirecard AG is listed on the Frankfurt Securities Exchange (TecDAX, ISIN DE0007472060, WDI).



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