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Empowering Fintech to Lead in the New Era of Travel

In today’s complex travel ecosystem, banks, credit card issuers, and insurance providers are no longer just facilitators—they’re key enablers of global mobility and protection. But the evolution of airline retailing brings growing challenges:

  • Fraud-prone last-minute bookings
  • Opaque refund policies
  • Fragmented loyalty experiences
  • Real-time risk exposure from disruptions and insolvencies

To stay competitive, financial institutions must deliver secure, personalized, and seamless travel benefits—all while managing risk, compliance, and rising customer expectations.

Fintech Travel Solutions

The Opportunity

Metric
Value
Annual Travel Insurance Market
$20+ Billion
Projected Travel Insurance CAGR
15% through 2030
Airline Payments Processed (2024)
$1 Trillion+
Processing Cost Burden
$20 Billion annually
Admin Cost of Insurance Processing
$2.7 Billion annually

How TWAI Helps Fintech Win

Key Benefits

Reduce Refund & Chargeback Risk

Real-time visibility into ticket status and policy-level data ensures proactive resolution and fewer disputes.

Streamline Insurance Claims & Fraud Detection

Instantly validate disruption-related claims with airline-verified data to cut false positives and speed payouts.

Expand Loyalty Value Propositions

Enable smarter redemptions (points + cash) and embed rich travel content to deepen cardholder engagement.

Deliver Premium Cardholder Services

Offer unused ticket audits, smart fare tracking, and embedded coverage as white-labeled perks.

Power Seamless Payments with GQ Pay

Leverage intelligent payment orchestration to increase approval rates and lower processing costs across channels.

Embedded Insurance by TWAI

Capture the Moment: Embedded Insurance at the Point of Sale

Unlock the Growing $20B+ Travel Insurance Market.

The global travel insurance sector is expanding at over 15% annually—driven by rising traveler demand for protection, seamless booking, and embedded coverage at the point of sale.

Partnering with TWAI’s Travel Retailing Suite empowers insurance providers to tap directly into this momentum. Through GQ Retail, GQ B2C, GQ Dynamic, and AccessOne, insurers can seamlessly integrate products into airline and travel ecosystems—reaching customers in-channel, at the moment they book.

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GQ Pay: Powering Travel Payments for Card Issuers & Payment Providers

GQ Pay helps credit card networks and payment providers grow transaction volume, boost approval rates, and gain strategic placement in the fast-growing $1T+ global travel market. Integrated directly into airline and OTA checkouts, our payment orchestration turns every booking into a high-value opportunity for your brand.

    Why partner with GQ Pay?
  • Smart BIN Routing – Optimize approval rates and reduce declines through intelligent transaction routing.
  • 500+ Global & Local Payment Methods – Reach more customers in more markets, with localized checkout experiences.
  • Card-Targeted Promotions – Drive engagement with personalized offers, rewards, or point multipliers at checkout.
  • Enterprise-Grade Security – PCI DSS-compliant, with advanced fraud detection and chargeback protection.
  • Embedded Distribution – Get your card front and center across TWAI’s network of airline and travel sellers worldwide.
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GQ Pay Travel Payments
TicketAudit by TWAI

TicketAudit by TWAI

Discover Hidden Refunds. Deliver Premium Value.

TicketAudit helps credit card and travel insurance providers uncover unused airline tickets and unclaimed refunds—turning forgotten travel into a powerful value-added service.

Deliver smarter service, improve customer trust, and unlock new loyalty opportunities.

    Key Benefits for Card Issuers & Insurance Providers:
  • Automated Refund Detection Scan global airline data to identify unused, refundable tickets—no manual input needed.
  • Card-Level Matching Link airline purchases to specific cardholder transactions for proactive account servicing.
  • Claim & Refund Validation Help validate insurance claims or initiate refund processes with airline-verified ticket data.
  • Drive Loyalty with Found Money Empower customers to recover hidden value—boosting engagement and satisfaction.
  • Seamless White-Label Integration Offer TicketAudit as a premium, branded feature for elite cardholders or policyholders.

    • Let’s Turn Missed Trips Into Meaningful Moments Deliver real value where your customers least expect it.

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Frequently Asked Questions (FAQs)

TWAI provides an integrated suite of travel retailing, payment orchestration, and refund intelligence solutions. These include GQ Pay for smarter payments, TicketAudit for unused ticket recovery, and embedded travel insurance tools—helping financial institutions reduce risk, increase engagement, and unlock new revenue.
Through GQ Pay, TWAI offers smart BIN routing, payment retries, fraud protection, and localized payment methods—all designed to boost approval rates and lower chargebacks in airline and travel purchases.
TicketAudit is TWAI’s refund intelligence platform that automatically detects unused airline tickets and unclaimed refunds. It supports insurance claim validation, enhances cardholder loyalty, and provides white-labeled services for premium customers.
Yes. TWAI enables insurers to validate disruption-related travel claims in real time using verified airline ticket data—speeding up claim processing and reducing fraud.
The global travel insurance market exceeds $20 billion and is growing at a 15% CAGR through 2030. Airline-related payment transactions surpassed $1 trillion in 2024, with over $20 billion in processing costs.
TWAI integrates insurance products directly into the booking flow via GQ Retail, GQ B2C, and AccessOne—enabling insurers to sell policies at the point of purchase, increasing conversion and relevance.
GQ Pay supports over 500+ global and local payment methods, including cards, wallets, bank transfers, and Buy Now Pay Later (BNPL)—ensuring travel sellers and financial partners can serve customers in any market.
Yes. TWAI’s payment platform is PCI DSS-compliant, with built-in fraud detection, chargeback protection, and tokenization to ensure security and compliance across all payment channels.