Financial infrastructure for travel.

Reconciliation, banking, payments, settlement, FX and working capital financing, built for the global travel industry.
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The world’s first financial operating system purpose-built for the global travel industry.
The Expereon web dashboard: 30-day revenue, outstanding incoming, overdue payments, invoices issued and the income overview charts.
The problem

Travel finance still runs on infrastructure from another era.

Every booking triggers a chain of payments that takes weeks to settle, relies on manual reconciliation, and leaks value at every step.
Today · 01

Payments take weeks

Net-20 to net-60 terms lock working capital across hundreds of supplier relationships, leaving cash trapped long after checkout.
Today · 02

FX costs add up silently

FX fees of 0.5–1.5% on every cross-border payment. Hidden line by line, so a $1bn OTA loses $5–15M a year.
Today · 03

Reconciliation is manual

Manual matching of bookings, invoices and payments accounts for 5–15% of finance team cost. Disputes pile up with volume.

Before and after Expereon

  1. Today
    20–60 days
    Cash locked up in payment terms
    With Expereon
    Free global settlement, 24/7/365
    Routed via the lowest-cost corridor, any day.
    Result
    Minutes
    To settle a payment
  2. Today
    0.5–1.5%
    Bank FX fees per payment
    With Expereon
    FX fees as low as 1 bps
    Every cross-border payment is priced before it leaves.
    Result
    0.01%
    FX fee, USD → EUR, as low as
  3. Today
    15–40
    Counterparty banks per mid-scale OTA
    With Expereon
    Automatic reconciliation
    Invoice matched to booking. Issues flagged automatically.
    Result
    60–80%
    Less reconciliation effort
Illustrative ranges. See important information.
Expereon Platform

Settlement infrastructure for the travel supply chain.

Expereon unifies reconciliation, banking, payments, settlement, FX and working capital financing into a single programmable layer: one financial backbone for the entire travel supply chain.

Platform features

01

Automatic reconciliation

02

Free global settlement, 24/7/365

03

Unified collateral management

04

Automated invoicing

05

Credit lines management

06

Travel-specific features

Refunds, disputes, cancellations
07

API and ERP connectors

08

Business intelligence

How it works

From booking to paid supplier, automatically.

Every booking triggers a chain Expereon handles end to end, without manual intervention.
  1. 1
    Booking
    Guest confirms. Booking data enters Expereon instantly.
  2. 2
    Validation
    Invoice matched to booking. Issues flagged automatically.
  3. 3
    Settlement
    Routed via the lowest-cost corridor. Settled in minutes, any day.
  4. 4
    Confirmation
    Supplier paid. Shared ledger updated. Finance notified.
  5. 5
    Visibility
    Real-time treasury dashboard. All corridors, one view.
Quantified impact

Global settlement 24/7/365. Zero settlement charges.

Same bookings. Same suppliers. Same prices for customers. The savings grow as more travel companies join the network.
90%+
lower transaction costs
20–40 bps
FX saved per corridor
60–80%
less reconciliation effort
Minutes
to settle, vs. T+7–14 standard
Illustrative ranges. See important information.
$9–15M
per $1bn GMV

Net Financial Impact

Value lost today: FX fees of 0.5–1.5%, cash locked up for 20–60 days, and 5–15% of finance team cost. Illustrative ranges per $1bn GMV; see important information.
Architecture

One layer at the centre of travel’s money movement.

Travel companies

OTAs
DEMAND
Bedbanks
INTERMEDIARY
Hotel groups
SUPPLY
Airlines
SUPPLY

Financial operating layer

One programmable layer that settles, finances and optimises every payment.

Reconciliation
Banking
Settlement
Treasury
FX
Virtual cards
Working capital

Rails & counterparties

Banks
Card networks
Suppliers
FX corridors
Custody
VALUE FLOW
OPERATED BY EXPEREON
Financial impact assessment

Estimate Your Operational Savings

Use the parameters below to model the financial impact of the platform based on your current settlement volume and operational profile.

Calculator

$500M
$50M

Value of all bilateral deposits.

100

Estimated Annual Savings

$5.6M
Freed Collateral Capital +$4.0M
Banking Cost Savings +$1.1M
Operational Efficiency +$0.50M
Get Your Custom Report Get in touch
The $5,000/supplier back-office cost assumption is based on an Entravel case study.
Expereon Banking

Business banking* for travel companies.

Balances sit in your own named account at a US national bank, opened and run entirely inside Expereon, and earn interest while they wait to be paid out. Every cross-border payment is priced before it leaves.
1 bps
FX fees as low as
USD → EUR as low as 0.01%
3.45%
Interest, up to
on deposits*
US
Partner bank
Accounts held at a US bank*

Key features

01

FX fees as low as 1 bps

Currency conversion priced from 0.01%.
02

Cross-border payments

International wires, ACH and instant payments.
03

Interest-bearing deposits*

Up to 3.45% on balances, held at our partner bank.
04

Virtual cards (VCC)

Up to 3% rebate on card spend.
05

Business accounts*

Payment approvals, team roles and permissions.
06

US partner bank*

Accounts held at a US bank.
Open an account
Expereon Banking · App
The Expereon mobile app: available balance, Marketing Budget and Treasury accounts, and recent transfers.
*Expereon is a financial technology company, not a bank. Banking services provided by our US partner bank.
Platform and Banking

One platform. Every partner integrated.

Clients onboard once and work in one interface and one API. Expereon connects and coordinates the regulated banks, card issuers, payment and financing partners behind every service.
FeaturesBankingPlatform
Banking features
FX fees as low as 1 bpsIncludedIncluded
Cross-border paymentsIncludedIncluded
Interest-bearing deposits, up to 3.45%*IncludedIncluded
Virtual cards (VCC), up to 3% rebateIncludedIncluded
Business accounts, approvals, teamsIncludedIncluded
US partner bank*IncludedIncluded
Platform features
Automatic reconciliationNot includedIncluded
Free global settlement, 24/7/365Not includedIncluded
Unified collateral managementNot includedIncluded
Automated invoicingNot includedIncluded
Credit lines managementNot includedIncluded
Refunds, disputes and other travel featuresNot includedIncluded
API and ERP connectorsNot includedIncluded
Business intelligenceNot includedIncluded
Coming soon
Factoring and receivables financingNot includedComing soon
Corporate cards, up to 3% rebateNot includedComing soon
*Expereon is a financial technology company, not a bank. Banking services provided by our US partner bank.
Working capital

Financing built on live booking data.

Seeing every booking and settlement as it happens, Expereon makes financing available against real cash flows, requested and drawn inside the platform, turning confirmed demand into liquidity at a lower cost.

Factoring

Sell settled receivables for immediate cash, priced on live performance.

Receivables financing

Advance against confirmed bookings before the settlement date arrives.

Supplier financing

Pay suppliers early on demand, while buyers keep their standard terms.

Revolving credit

Draw and repay flexibly against a live, data-backed credit line.
Virtual cards

Virtual cards: one rail within the platform.

Not every supplier sits inside the network. Virtual cards extend the same control to the card-accepting world, issued against a booking and reconciled back to it like every other Expereon payment.
Automatic

Auto-issued at booking

A single-use card is generated automatically, scoped to the exact amount, supplier, and date.
Manual

On demand in seconds

Finance issues a card from Expereon in seconds for any ad-hoc payment, with preset limits, expiry, and spend controls.
Every card

Reconciled to the booking

Scoped, single-use, matched at source, with no card-on-file risk and no manual matching.
Single-use
Scoped per booking and supplier
Instant
Automatic or manual issuance
Up to 3%
Rebate on VCC payments
Intelligence

Business intelligence, built in.

Every settlement feeds a live dashboard, so finance sees the whole book, not just today’s payments.
01

Widgets

KPI cards for 24h bookings, payment volume, and balance movement.
02

Charts

Balances and interest over time with prior-period overlay, 7d to 1y.
03

Feed

Invoice, payment, funding, and seller events in order.
04

Analytics

Payment, treasury, and reconciliation match rates with drill-down.
05

Factoring

Live advance rates, funded receivables, and repayment tracking.
06

Export

Widgets to CSV, dashboard to PDF, and monthly statements.
Mobile web
The Expereon dashboard on a phone: 30-day revenue, outstanding incoming, overdue payments and invoices issued.
Notes

Important information.

  1. 1
    Working capital
    Factoring, receivables financing, supplier financing and revolving credit are provided by independent financing partners, accessed and managed through Expereon. Subject to eligibility and approval.
  2. 2
    Banking and custody
    Accounts, custody and deposit insurance are provided by a nationally chartered US partner bank. FDIC insurance applies at the partner bank, subject to applicable limits. Interest rates shown are maximums and may change.
  3. 3
    Virtual cards
    Cards are issued by a licensed card-issuing partner and managed in Expereon. Rebates shown are maximums and depend on volume and card scheme.
  4. 4
    FX and settlement
    Executed by regulated payment and settlement partners. Rates are indicative; timing can depend on corridor and local banking hours for bank ramp-in and ramp-out.
Disclaimer

Expereon is a technology orchestration platform for professional counterparties. It does not hold client funds or digital assets, provide custody or credit in its own name, or operate the underlying payment or distributed-ledger infrastructure. Banking, custody, financing, and asset-transfer services, where available, are provided or executed by independent third parties or external protocols. Product availability and functionality may vary by jurisdiction, provider, and user eligibility.

Next step

You can start before you integrate.

Becoming a client unlocks value from day one: FX, working capital financing and free global settlement work without touching your systems. Automated reconciliation switches on once the API integration to booking and back-office systems is done.
Book a demo
Get in touch