Payments & reconciliation
Collect from customers, pay suppliers with virtual cards, reconcile automatically.
Book a demoMoney moves in many directions in travel: guests pay by card, agents pay by bank transfer or against credit, suppliers expect prepayment, and refunds arrive weeks later. Wingstack Payments connects these flows to the booking file, so every collection, payout and refund is traceable to the service it belongs to.
Customer payments run through the payment gateways you choose, with 3-D Secure, payment links and instalment options where supported. Supplier payments can be made with virtual cards issued per booking, and settlements from gateways and card providers are reconciled against bookings automatically, leaving finance with exceptions to review instead of rows to match.
- Stripe/Adyen-style payment gateways
- Local acquiring banks and virtual POS
- Virtual card providers
- Bank statement formats (MT940, CSV)
- Wallet payments where supported by the gateway
- Accounting and e-invoicing
- Email and WhatsApp payment links
Capabilities
Route payments by market, currency or card type across the gateways you contract with.
Send secure payment links by email or WhatsApp for offline and group bookings.
Strong customer authentication and configurable risk rules on card payments.
Deposit and balance schedules, agent deposit wallets and instalment options where the gateway supports them.
Issue single-use virtual cards per booking with the exact amount and validity for hotel and supplier payments.
Partial and full refunds linked to cancellations, with chargeback tracking and evidence.
Match gateway settlements, card statements and bank receipts to bookings, with exceptions highlighted.
Collect in the customer’s currency and record settlement and FX differences in accounting.
How it works
- 01Collect
The customer or agent pays at checkout, by link or against credit.
- 02Secure
Authentication and risk rules run before the payment is captured.
- 03Pay out
Suppliers are paid by virtual card or scheduled bank transfer.
- 04Settle
Gateway and card settlement files are imported automatically.
- 05Reconcile
Payments are matched to bookings and exceptions sent to finance.
Benefits
Payment links and online checkout shorten the time to cash.
Virtual cards limit exposure to the exact amount of each booking.
Reconciliation runs automatically, leaving only real exceptions.
Every refund links to its cancellation and original payment.
Frequently asked questions
Can we keep our current payment gateway?+
In most cases, yes. We connect to the gateways and banks you already work with, and can add others for new markets.
Does Wingstack hold customer funds?+
No. Funds flow through your own gateway and bank accounts. Wingstack provides the technology to orchestrate and reconcile them.
How is the payments module priced?+
As a subscription module. Transaction fees are charged by your gateway, bank or card provider under your own agreements.
How is card data protected?+
Card details are handled by the payment gateway through hosted or tokenised flows, so card numbers are not stored in Wingstack.