B2B Travel Infrastructure 2.0

Modern Financial Infrastructure for Global Travel Payments

Streamline cross-border B2B settlements.

Collect booking payouts globally through local banking rails and settle with regional hotel partners, DMCs, and ground operators instantly via stablecoin rails.

80+

Countries

Instant

Settlement

150+

Local payment methods

Move Travel Money Faster, Protect Margins, and Simplify Operations

Collect bookings globally, pay suppliers instantly, optimize FX, and reconcile every transaction automatically.

Multi-currency collections.

Collect bookings in 30+ currencies without FX losses.

Instant supplier payouts.

Pay hotel partners in their currency, in under a minute.

Dynamic FX Optimization.

Every FX conversion at the rate you see on Google.

Automated reconciliation.

Every payment auto-matched to your booking ledger, no manual work.

Market Overview

Designed for the Realities of Global Travel Commerce

Booking-Triggered Payments.

Automatically initiate payouts in real time whenever booking events occur.

Deposit & Balance Management.

Separate settlement flows for pre-trip deposits and post-trip balances.

Multi-Currency Treasury.

Hold and manage multiple currencies from a single account.

Programmatic Compliance.

KYC, AML, and transaction monitoring built into payment workflows.

Automated FX Rules.

Set conversion thresholds and automate currency management.

Booking-Level Audit Trails.

Instantly track every payment, payout, refund, and FX conversion.

Webhooks & API Automation.

Embed payments directly into your travel platform with a single API.

Stablecoin & Local Rail Settlement.

Experience instant settlement via stablecoins and local networks.

Reduced Settlement Cost.

Protect your margins by eliminating correspondent banking fees.

From deposits and balance payments to supplier payouts and cancellations, Echo Money handles the payment workflows that traditional banking infrastructure was never designed for.

0.2%

charge

Traditional Banking

3.5%

charge

vs.

Mid-market FX

FX Markup

Instant settlement via local rails or stablecoins

3–5 day settlement

Built for every player in the B2B travel stack

Six segments. Six payment problems. One infrastructure layer.

Online Travel Agencies (OTAs)

Consolidate global booking collections across 40+ markets into a single ledger with one unified rate. Eliminate fragmented FX conversion points, protect transaction margins, and streamline multi-currency reconciliation instantly.

Tour Operators & Destination Management Companies (DMCs)

Pay local ground agents, hotels, and transport providers instantly in their preferred currency. Bypass legacy correspondent banks to route payouts to 80+ countries in under a minute, securing inventory without delays.

Business Travel

Streamline corporate client account funding and automate high-volume global travel payouts without expensive international wire friction. Move funds across local rails while retaining real-time visibility over corporate spending.

Concierge Services

Execute high-value client transactions with zero-error settlement via a secure double-entry ledger. Ensure every ultra-luxury booking, private charter, and bespoke itinerary payment is fully tracked, confirmed, and auditable in real-time.

Corporate Travel Management Companies (TMCs)

Fund global corporate travel itineraries across 80+ countries while retaining absolute visibility over transaction flows. Streamline localized spending reports and execute instant cross-border settlements.

Wholesale Bedbanks & B2B Hotel Distributors

Align incoming distributor collections directly with outbound supplier payouts on an intraday basis. Eliminate float, reduce working capital requirements, and settle continuously instead of in slow batches.

Developer-First API & Integration Documentation

Build custom booking flows, trigger immediate supplier payouts based on check-in webhooks, and automate your back-office financial ledger systems with minimal development overhead.

Webhooks for Instant Reconciliation. Receive real-time JSON payloads the exact second a payout is executed, cleared, or settled on local or on-chain rails.
Idempotency Engine Protection. Built-in cryptographic idempotency keys prevent accidental double-payouts or duplicate hotel bookings during high-concurrency network drops.
Sandbox Environment. Test complex cross-border travel transaction routes across 30+ virtual geographic testbeds before moving to production.

create_payment.js

// Initiate a cross-border payment
const echo = require('@echomoney/sdk');
const client = new echo.Client({
  apiKey: process.env.ECHO_API_KEY
});
const payment = await client.payments.create({
  from: { accountId: 'acct_sg_7xK9mP', currency: 'SGD' },
  to: { accountId: 'acct_mx_3nR2wQ', currency: 'MXN' },
  amount: 1000,
  rail: 'auto', // Echo picks optimal rail
  idempotencyKey: 'pay_20240318_001'
});
// -> { id: 'pmt_9xK2p...',
// status: 'settled',
// rate: 'mid-market',
// settled_in: '<1m' }

Enterprise-Grade Compliance.
Every transaction, every corridor.

Travel payments carry unique compliance requirements such as cross-border AML, multi-jurisdiction tax treatment, and global beneficiary verification.

Echo Money's programmatic compliance layer runs automatically on every payment, in every corridor, without adding settlement delays.

AES-256 encryption, end-to-end
100% segregated client funds
99.99% API uptime
24/7 transaction monitoring
AML/KYC on every payment

How Travel Payments Work With Echo Money

1

Booking confirmed. Once a booking is confirmed, Echo Money automatically creates a payment instruction with the payout amount, currency, and beneficiary details. No manual payment processing required.
2

FX rate locked. Echo Money provides a transparent FX quote before the payment is executed. The rate is locked at confirmation, giving travel businesses certainty over costs and protecting against currency fluctuations.
3

Payment routed. Echo Money automatically selects the most efficient payment route, reducing settlement times, costs, and dependency on correspondent banking networks.
4

Funds delivered & reconciled. Hotels, airlines, tour operators, and other travel partners receive funds in their preferred currency, with reconciliation handled automatically.

FAQs

How does Echo Money handle multi-currency hotel settlements for OTAs?

OTAs collect in whatever currency the traveler pays and settle each hotel in its local currency from a single account. We hold balances across 50+ currencies and convert at mid-market FX only at the moment of payout, so every booking reconciles to one clean settlement instead of a stack of double conversions.

Can Echo Money pay hotel partners and DMCs in their local currency?

Yes. We pay hotels, DMCs, and ground operators across 80+ countries over local rails and bank deposit, so partners receive funds in their own currency without correspondent-bank deductions eating into the payout.

How does Echo Money handle the timing gap between booking deposits and final settlement?

Booking deposits are held as fiat or stablecoin balances and released to suppliers on your schedule. You can lock the FX rate at booking or at payout, so the gap between the deposit and final settlement never exposes your margin to rate movement.

What happens to held funds between booking and supplier payment?

Held funds sit in segregated balances, reconciled to each booking reference and never commingled with operating cash. You can see, move, or refund them in real time right up until the supplier is paid.

Is Echo Money regulated for B2B travel payment flows?

Yes. Echo Money is operated by Falcon Fintech Ltd, registered as a Money Services Business (MSB) under FINTRAC (Canada), Reg. No. 1001264158, and settles B2B travel flows within a compliant cross-border framework.

Ready to modernize your international travel payments?

Join the world's most innovative travel companies using Echo to reclaim their margins.

FINTRAC regulated $0 setup 5-min onboarding