Virtual cards that pay your travel business back.
You already pay airlines, cruise lines, hotels and tour operators. Pay eligible suppliers by TL Virtual Card instead and earn cashback on that spend, from 1.00% at our standard rates, with tighter control and simpler reconciliation.
- No set-up fee
- No monthly charges
- Cashback paid monthly
Cashback applies to eligible supplier card payments and is subject to supplier acceptance, card eligibility and commercial terms.
Up to 1.35% cashback when you sign up by 31 October 2026.
New Travel Ledger customers can access promotional cashback on eligible TL Pay Virtual Card supplier payments for two months from their TL Pay Virtual Cards Go Live Date.
Standard rates after the promotional period
- CoreFrom £0 monthly eligible card spend1.00%
- GrowthFrom £350k+ monthly eligible card spend1.10%
- ScaleFrom £800k+ monthly eligible card spend1.20%
New customers only. Sign up by 31 October 2026. Promotional cashback rates are valid for two months from the customer’s TL Pay Virtual Cards Go Live Date. Cashback applies to eligible supplier card payments only and is subject to supplier acceptance, card eligibility, card type, category/interchange and commercial terms.
You're already making the payments. Why not get paid for making them?
Every week, your team pays suppliers by bank transfer. Those payments cost you time and earn you nothing.
Pay the same eligible suppliers by TL Virtual Card and the spend earns cashback, credited to you monthly. Nothing changes for your customers, and very little changes for your team: you create a card, pay the supplier and Travel Ledger handles the rest.
At the 1.00% Core standard rate, £100,000 of eligible card spend in a month would earn £1,000 cashback.
Illustration only. Your cashback depends on eligible spend, supplier acceptance and terms.
See what your supplier payments could earnBuilt for every travel business that pays suppliers.
Travel agencies
Pay tour operators, cruise lines and accommodation suppliers by card, and earn cashback on bookings you're already making. Agents booking through Expedia TAAP can use our integrated TL Virtual Cards.
Tour operators and DMCs
Pay hotels, ground handlers, transfer companies and other suppliers with a card for each booking, each with its own limit and validity.
Flight shops and consolidators
Airlines made up a third of TL Virtual Card spend between April and September 2026. Turn airline spend into cashback where carriers accept card payment.
Cruise specialists
High-value cruise deposits and balances can earn meaningful cashback. One customer earned £788 on a single £65,000+ booking.
Travel management companies
Control hotel and travel supplier payments with card-level data that feeds straight into reconciliation.
Homeworking networks and consortia members
Give every member or branch a simple way to pay suppliers by card, with central visibility.
Acceptance varies by supplier, country and payment scenario.
Where travel businesses are earning cashback.
Between April and September 2026, around 90% of TL Virtual Card spend went to three categories:
- 37%
Cruise lines
- 33%
Airlines
- 20%
Online travel platforms and bedbanks
The rest went to tour operators, accommodation and other travel suppliers. If you pay suppliers in these categories, there's likely to be eligible spend in your business.
Share of TL Virtual Card spend, April to September 2026, rounded. Online travel platforms include Expedia TAAP.
Where to look for eligible spendAcceptance may vary by supplier, country and payment scenario.
Why suppliers accept virtual cards.
Many suppliers value the speed, security and certainty of card payments.
Faster payment.
Funds can be received quickly, without waiting for traditional settlement cycles.
Greater certainty.
Once a card payment is authorised, the supplier knows the payment is being processed.
Simpler reconciliation.
Clear payment references make it easier to match bookings and payments.
A payment method that works for both sides: value for you, speed and certainty for your supplier.
From sign-up to cashback in four steps.
Get your registration link. Speak to our team and we'll set up your Travel Ledger account.
Open your TL Pay account online. Free, with our banking partner Adyen, and guided by our onboarding team.
Pay suppliers by TL Virtual Card. Create single-use, multi-use or API-enabled cards from your dashboard.
Receive cashback monthly. Cashback on eligible spend is paid the month after you use your cards.
Three routes to eligible supplier payments.
A unique card created for a specific supplier payment, booking value or scenario — with tight limits and validity.
Reusable cards for approved supplier relationships and regular payment workflows — governed by clear controls.
Automate card creation and payment data capture from your booking, back-office or supplier systems.
Travel Ledger Virtual Cards dashboard.
Account balances, card creation and full transaction history — managed alongside the rest of your Travel Ledger workflow.
| Status | Card ref | Supplier | Amount | Charge date |
|---|---|---|---|---|
| Captured | VC-40219 | Example Airline Ltd | £4,285.00 | 12/03/2026 |
| Issued | VC-40221 | Example Bedbank | £1,930.00 | 12/03/2026 |
| Scheduled | VC-40225 | Example Cruise Line | £12,460.00 | 13/03/2026 |
| Captured | VC-40228 | Example IATA · BSP | £3,110.00 | 13/03/2026 |
Keep what works. Earn on the rest.
TL Virtual Cards don't replace payment arrangements that already work for you, such as valuable credit terms or established supplier agreements. Keep those, and use TL Virtual Cards for the eligible payments that currently earn nothing.
Some travel businesses now build virtual card acceptance into their supplier agreements, alongside rates and terms. Payment method is becoming part of the commercial conversation, not just an admin decision.
Read our guide to payment fraud and supplier contractsWhere could TL Virtual Cards fit into your payment strategy?
- Valuable credit termsKeep using them
- Established payment arrangement that worksKeep it
- Supplier currently paid by bank transferCheck whether they accept TL Virtual Cards
- Card-accepting cruise line, bedbank or accommodation supplierConsider TL Virtual Cards
- Recurring eligible supplier paymentsConsider Multi-Use TL Virtual Cards
- One-off or high-value eligible supplier paymentConsider Single-Use TL Virtual Cards
We can review your existing supplier payments with you and help identify where TL Virtual Cards could make commercial sense.
Check your payment opportunity
“Business is going really well, and it's been a very busy few months for us. The integration has worked really well and has helped drive additional sales.”
“The virtual cards are working really well. We’re using them with a wide range of tour operators and cruise lines, and we’ve just received our first cashback payment—so the owners are very happy!”
How one customer paid a £65,000+ cruise booking with their first TL Virtual Card payment and generated £788 cashback.
Virtual card questions from travel businesses.
Travel Ledger ecosystemManaged within the Travel Ledger ecosystem.
TL Virtual Card activity sits alongside Travel Ledger payment workflows, helping customers maintain better control and visibility across both on-platform and eligible off-platform supplier payments.
- TL Virtual Card activity in the Travel Ledger dashboard
- Aligned with TL Pay & Settlement workflows
- Reconciliation data alongside remittance
- One platform for on-platform and eligible off-platform payments
Find out what your supplier payments could earn.
Check your cashback opportunity in under a minute with Payment IQ, or book a demo and we'll review your supplier payments with you.
Talk to our team about supplier payments, settlement, reconciliation or payment opportunities.
Visit the Travel Ledger Help Centre for support articles and platform guidance.