Nuvei

Nuvei is a global payment technology provider that enables tour operators to accept payments across 200+ markets through a single integration platform. The company specializes in helping businesses expand internationally by providing local acquiring capabilities in 50 markets, support for 150 currencies, and access to over 720 alternative payment methods beyond traditional credit cards. Tour operators benefit from Nuvei's ability to optimize payment routing, automatically directing transactions through the most efficient processing paths to improve authorization rates and reduce cross-border fees. The platform serves businesses of all sizes across multiple industries including travel, hospitality, e-commerce, and digital services, with particular strength in complex international payment scenarios. Nuvei's technology stack combines payment gateway functionality with fraud prevention, payment optimization, card issuing capabilities, and comprehensive settlement services. For tour operators serving global customer bases, Nuvei simplifies the complexity of accepting local payment methods popular in different regions, from digital wallets like Alipay and WeChat Pay to local card schemes and bank transfer systems that vary by country. The platform's modular architecture allows businesses to start with basic payment acceptance and progressively add capabilities like subscription billing, payout services, or card issuing as needs evolve.

Nuvei uses customized pricing structures negotiated individually with each client rather than publishing standard rate cards, with costs varying significantly based on transaction volumes, business models, and required services. The platform's pricing typically includes transaction-based fees calculated as a percentage of payment amount, fixed per-transaction fees, and monthly platform subscription charges that scale with business size and feature requirements. High-volume tour operators typically negotiate more favorable per-transaction rates, while smaller businesses pay higher unit costs to cover the fixed infrastructure expenses Nuvei incurs for providing global payment services. The pricing structure considers factors including payment methods used by customers, geographic markets served, currencies processed, chargeback rates, and risk profile of the tour operator's business model. Tour operators should expect pricing discussions to address interchange optimization opportunities, where Nuvei routes transactions through local acquiring relationships to capture more favorable interchange rates than cross-border processing. The platform's custom contract approach often includes fixed fees for setup, implementation support, and dedicated account management alongside the variable transaction-based charges. Nuvei emphasizes total cost of payment acceptance rather than just headline rates, demonstrating how improved authorization rates, reduced cross-border fees, and operational efficiencies can justify their pricing even if base rates appear higher than simpler alternatives. Businesses interested in Nuvei should prepare comprehensive transaction data including volumes by payment method, currency mix, average transaction sizes, and target markets to enable accurate pricing proposals.

Nuvei serves tour operators across the business spectrum but delivers strongest value for established companies with complex international payment needs or growth ambitions in multiple markets. Small tour operators with primarily domestic operations and straightforward payment requirements may find Nuvei's capabilities exceed their needs, with simpler payment processors offering sufficient functionality at potentially lower costs. Medium-sized tour operators expanding internationally or accepting payments in multiple currencies benefit significantly from Nuvei's local acquiring relationships and alternative payment method support that improve conversion rates in new markets. Large tour operators and travel management companies with substantial international transaction volumes, complex payment flows, and sophisticated fraud prevention needs find Nuvei's enterprise-grade platform well-suited to their requirements. The platform works exceptionally well for businesses struggling with low authorization rates in international markets, as Nuvei's local acquiring and smart payment routing can dramatically improve successful payment completion rates. Tour operators offering high-value experiences to customers in diverse geographic markets appreciate Nuvei's ability to present locally-preferred payment methods at checkout, reducing friction and improving booking conversion. Businesses processing millions of dollars annually in international payments typically find Nuvei's value proposition compelling through a combination of improved authorization rates, reduced payment costs, and operational simplification from consolidating multiple payment providers into a single platform relationship.

Nuvei provides comprehensive integration options including RESTful APIs, hosted payment pages, and pre-built plugins designed to connect with tour operator technology ecosystems efficiently. The platform's APIs cover payment acceptance, subscription management, payout distribution, fraud screening, and transaction reporting, enabling deep integration with booking systems, customer relationship management platforms, and accounting software. Tour operators can implement hosted payment page solutions that redirect customers to Nuvei-branded interfaces for payment collection or use direct API integrations that keep customers within the tour operator's branded checkout experience throughout the payment process. The platform integrates with major e-commerce platforms and booking management systems popular in the travel industry, though specific pre-built connectors vary and custom integration work is often required for proprietary systems. Nuvei's webhook notification system delivers real-time updates about payment events, subscription renewals, chargeback notifications, and settlement activities, enabling automated operational workflows and instant response to payment status changes. The platform provides sandbox testing environments, comprehensive API documentation, and code samples in multiple programming languages to support technical teams during integration projects. For tour operators using third-party booking platforms or travel technology solutions, Nuvei may already have established partnerships that simplify integration through existing connections. The integration architecture supports various implementation patterns from simple payment acceptance to sophisticated scenarios including split payments, marketplace facilitation, and multi-party settlement common in complex tour operator business models.

Nuvei provides tiered customer support structures that scale with client size and complexity, ranging from email-based assistance for smaller merchants to dedicated account teams for enterprise clients. Tour operators can access technical support for integration issues, payment troubleshooting, API questions, and platform configuration through multiple channels including phone, email, and online support portals. The platform's support model typically includes implementation assistance during initial onboarding, helping tour operators configure payment methods, set up fraud rules, and optimize routing logic for their specific business requirements. Larger clients receive dedicated account management with regular business reviews, optimization recommendations, and strategic guidance on payment strategy as the business grows and enters new markets. Nuvei's global support infrastructure provides assistance across multiple time zones and languages, important for tour operators serving international customer bases who may need support during various business hours. Technical documentation, integration guides, API references, and developer resources are available through Nuvei's online documentation portal, enabling self-service problem resolution for common scenarios. The platform's fraud and risk management teams monitor transactions continuously, working behind the scenes to protect tour operators from fraudulent payments while minimizing false declines that could harm legitimate customer experiences. Support responsiveness varies by account tier and issue severity, with critical payment processing outages receiving immediate attention while routine configuration questions may have longer response times depending on support package included in the service agreement.

Nuvei establishes formal merchant services agreements with tour operators that outline pricing structures, service levels, integration requirements, and operational responsibilities throughout the business relationship. Contract terms vary significantly based on business size, projected transaction volumes, required services, and negotiated commitments, with enterprise clients often securing multi-year agreements that include volume-based pricing advantages and dedicated support resources. The service agreement covers critical operational details including transaction fees, monthly platform charges, chargeback handling procedures, fraud liability allocation, and compliance requirements that govern payment processing activities. Minimum term commitments typically apply, particularly for businesses requiring substantial implementation support, custom integration work, or dedicated infrastructure that represents significant Nuvei investment. Contract provisions address termination conditions including notice periods, wind-down procedures for ongoing subscription payments or scheduled transactions, and potential early termination fees if agreements are canceled before minimum terms expire. Tour operators should expect contracts to include service level agreements defining uptime commitments, transaction processing speed expectations, and support responsiveness standards that establish accountability for platform performance. The formal agreement protects both parties by clarifying responsibilities for regulatory compliance, data security, dispute resolution, and liability allocation in various scenarios including fraudulent transactions, system outages, or data breaches. Tour operators should carefully review contract terms related to volume commitments, as significant deviations from projected transaction volumes might trigger pricing adjustments or penalty provisions, particularly in contracts with volume-based discounts negotiated based on optimistic growth projections.

Nuvei's transaction fee structure includes multiple components that vary by payment method, transaction type, geographic routing, and negotiated pricing terms with each tour operator. Base transaction fees typically include a percentage of the transaction amount plus a fixed per-transaction fee, with rates varying significantly between domestic and international transactions. Payment method fees differ substantially, with credit card transactions, debit card transactions, alternative payment methods like digital wallets, and bank transfers each carrying different cost structures based on the underlying payment network economics. Tour operators accepting international payments should expect currency conversion fees when customers pay in currencies different from the settlement currency, with rates varying based on currency pairs and transaction volumes. Cross-border transaction fees apply when payments are processed across international boundaries, though Nuvei's local acquiring capabilities can reduce these costs by routing transactions through in-country processing when available. The platform's interchange optimization capabilities can improve overall costs by routing transactions through the most economical processing paths based on card type, transaction characteristics, and available acquiring relationships. High-volume merchants typically negotiate volume-based discounts where per-transaction costs decrease as monthly processing volumes reach specified thresholds, creating incentives for consolidating payment processing through Nuvei. Additional fees may apply for premium services including advanced fraud screening, chargeback management assistance, dedicated account management, or custom reporting capabilities beyond standard platform offerings. Tour operators should request detailed fee schedules during pricing negotiations to understand total effective costs across realistic transaction scenarios reflecting their actual payment method mix, currency distribution, and geographic customer patterns.

Nuvei's settlement timing varies by payment method, geographic market, and risk profile of the tour operator, with most transactions settling within 1-5 business days depending on these factors. Standard settlement schedules for card transactions typically range from 2-3 business days after transaction authorization, though exact timing depends on acquiring bank relationships and whether transactions are processed domestically or internationally. Alternative payment methods have varying settlement speeds, with some digital wallets and bank transfer systems settling within 1-2 business days while others may take longer depending on the underlying payment network infrastructure. Tour operators new to Nuvei or operating in higher-risk categories may experience rolling reserve requirements where a percentage of transaction proceeds are held for a specified period to cover potential chargebacks, fraud, or disputes before being released. The settlement process involves Nuvei collecting funds from multiple payment sources, converting currencies as needed, deducting applicable fees and reserves, and transferring net proceeds to the tour operator's designated bank account. Settlement reporting provides detailed transaction-level information showing gross payment amounts, fees deducted, currency conversions applied, and net settlement amounts, enabling accurate reconciliation against bank deposits. Tour operators with strong processing histories and low chargeback rates may negotiate faster settlement terms or reduced reserve requirements that improve cash flow compared to standard terms offered to new merchants. Currency conversion timing can add slight delays to settlement when payments are collected in multiple currencies and converted to a single settlement currency, particularly when exotic currency pairs are involved requiring additional banking intermediation.

Nuvei supports payment acceptance in over 150 currencies and provides local acquiring capabilities in 50 markets, offering tour operators exceptional flexibility for serving global customer bases. The platform enables customers to pay in their local currencies using familiar payment methods while tour operators receive settlement in their preferred currency, with Nuvei handling all currency conversion automatically. Major international currencies including US dollars, euros, British pounds, Canadian dollars, Australian dollars, Japanese yen, Swiss francs, and other widely-traded currencies are fully supported with competitive exchange rates and efficient settlement processes. Nuvei's currency support extends to numerous emerging market and regional currencies that tour operators need when serving customers in developing tourism destinations or accepting payments from travelers in less common currency zones. The multicurrency capability includes sophisticated features like dynamic currency conversion that presents prices to customers in their preferred currencies at checkout while routing payments through optimal processing paths. Currency conversion fees apply when payments are collected in currencies different from settlement currency, with rates varying based on currency pairs, conversion volumes, and negotiated terms between Nuvei and the tour operator. The platform's local acquiring relationships enable tour operators to accept payments in local currencies and settle in those same currencies when banking relationships permit, avoiding unnecessary currency conversion costs. Tour operators can configure multi-currency pricing on their booking platforms, displaying prices in customer-preferred currencies while processing all payments through Nuvei's unified platform infrastructure. The global currency coverage eliminates the need for tour operators to maintain multiple regional payment processor relationships across different markets, significantly simplifying international payment operations while ensuring competitive foreign exchange rates.

Nuvei provides comprehensive refund processing capabilities and chargeback management tools essential for tour operators dealing with cancellations, itinerary changes, and customer disputes. Refunds can be initiated through Nuvei's merchant portal, API integration, or by submitting requests through account management channels, with processing typically completing within 5-10 business days depending on payment method and issuing bank timelines. The platform supports full and partial refunds across all payment methods, automatically routing refund transactions back through the same payment channel customers originally used to ensure funds return to the correct accounts. Nuvei does not typically refund original transaction fees when processing customer refunds, creating a cost consideration for tour operators when determining refund policies and pricing structures. Chargeback management includes notification systems that alert tour operators immediately when customers file disputes, providing maximum time to gather evidence and respond to chargeback claims before deadlines expire. The platform's chargeback defense tools help merchants submit compelling evidence including booking confirmations, communication records, proof of service delivery, and cancellation policy documentation to fight invalid chargeback attempts. Nuvei's fraud prevention systems work proactively to reduce chargebacks by identifying high-risk transactions before they process, using machine learning algorithms and rule-based systems to flag potentially fraudulent payments for review or blocking. Tour operators can configure automated refund policies within Nuvei's system, allowing certain refund scenarios to process automatically while routing others through approval workflows based on refund amount, customer status, or other business rules. The platform's reporting provides detailed chargeback analytics showing dispute reasons, win rates, and trends that help tour operators identify operational improvements to reduce future chargebacks and protect revenue.

Nuvei maintains PCI DSS Level 1 compliance, the highest security certification in the payment industry, ensuring that sensitive cardholder data is protected throughout payment processing, storage, and transmission. The platform's compliance infrastructure covers payment gateway operations, tokenization services, fraud screening systems, and data storage, protecting both tour operators and their customers from data breaches and security compromises. Tour operators using Nuvei benefit from significantly reduced PCI compliance burden because payment card data flows through Nuvei's secure infrastructure rather than touching the merchant's servers in most integration configurations. The platform offers tokenization services that replace sensitive card data with secure tokens, allowing tour operators to store customer payment credentials for recurring charges without maintaining actual card numbers in their databases. Nuvei's security architecture includes encryption of payment data at rest and in transit, secure authentication protocols, regular security audits, penetration testing, and continuous monitoring for vulnerabilities that could compromise payment security. The platform helps tour operators understand their PCI compliance responsibilities within the shared security model, providing documentation and guidance on merchant obligations that vary based on integration method and how payment data flows through systems. Hosted payment page implementations minimize merchant PCI scope by collecting card data entirely within Nuvei's environment, while direct API integrations may increase merchant compliance requirements depending on whether card data passes through merchant servers. Nuvei undergoes annual PCI DSS assessments by qualified security assessors, maintains detailed security policies, and implements the extensive technical and operational controls required to protect cardholder data environments according to PCI standards.

Nuvei provides robust recurring payment and subscription management capabilities essential for tour operators offering installment plans, membership programs, or ongoing travel services. The platform's Rebilling Service allows merchants to establish Customer Subscription Payment Plans that automatically execute future payments according to predefined schedules without requiring customer intervention for each transaction. Tour operators can create flexible subscription structures including fixed-schedule billing, usage-based charging, and custom payment plans that align with deposit-and-balance arrangements common in the travel industry. The recurring payment infrastructure supports both initial payments where customers authorize future charges and subsequent automated transactions that process according to subscription terms. Nuvei's subscription APIs enable tour operators to create billing plans, enroll customers in subscriptions, modify payment schedules, process one-time adjustments, and cancel subscriptions programmatically through API calls integrated with booking systems. The platform handles subscription lifecycle management including automated retry logic when payments fail, customer notification about upcoming charges, and grace period handling that prevents service disruption during temporary payment issues. Token-based recurring billing securely stores payment credentials, allowing automated charging across multiple payment methods including cards, bank accounts, and some alternative payment methods that support recurring transactions. Tour operators can configure recurring payment rules that accommodate seasonal payment patterns, promotional pricing periods, and dynamic pricing adjustments based on subscription longevity or customer tier. The platform's reporting provides subscription analytics including renewal rates, churn metrics, failed payment reasons, and revenue trends that help tour operators optimize subscription offerings and reduce involuntary churn from payment failures.