Repayd, formerly Trust My Travel (TMT)

Site: Repayd | Global, Multi-Currency Travel Merchant Accounts

What does it mean?

Repayd, formerly Trust My Travel (TMT), is a payment and protection solution designed specifically for travel companies. Their service combines:

• Merchant acquiring – enabling you to accept card payments (Visa/Mastercard, etc.) even if traditional acquirers are reluctant to onboard travel merchants or start‑ups.

• Trust / segregated accounts – customer funds are protected in line with travel regulations and supplier contracts.

• Chargeback and risk management – Repayd manages a large part of the card risk and chargeback handling.

This makes it easier for tour and activity operators, DMCs, and other travel businesses to:

• Start accepting online payments quickly.

• Offer secure, protected payments to customers.

• Reduce the complexity of dealing with traditional merchant accounts and banking arrangements.

After you have created the Repayd payment gateway, it can be used in four main “channels” of usage inside TourCMS:

1. Booking engine (web / customer-facing)

   • When a customer books through the TourCMS hosted booking engine, the card payment is processed via Repayd.

   • The payment result is automatically stored against the booking in TourCMS.

2. Back office (staff-facing)

   • Staff can take payments and process refunds for Repayd transactions directly from the TourCMS back office (where Repayd has been selected as the gateway for that channel).

   • TourCMS communicates with Repayd using the stored transaction reference.

3. B2B channel / B2B Portal

• Repayd can also be used for payments made through the TourCMS B2B channel, including the B2B Portal, when the gateway is configured for that channel.

• Agents using the B2B Portal can take payments through the configured Repayd gateway, with the payment result stored against the booking in TourCMS.

4. API (your own website or integrations)

• If you use your own website or custom integration, you can:

  • Take payment via Repayd (for example, using the Repayd modal or direct integration), and

  • Then record that payment in TourCMS via the payment_create API.

• By sending the Repayd transaction reference into TourCMS, you also enable refunds to be triggered from TourCMS later if needed.

What should I do?

1. Prerequisites

Before configuring anything in TourCMS, make sure:

• You have signed up with Repayd and your account is active.

• You can log in to the Repayd back-office.

• You have the following details from Repayd:

  • Username & password

  • Channel ID

  • Channel secret

  • Site path (for your Repayd account)

  • Any additional API token or configuration they supply

If you are unsure where to find these values, contact Repayd support or check their dashboard documentation.

2. Configuration in TourCMS

Once you are signed up with Repayd, they will give you an API token and credentials that can be used with TourCMS.

To set up your Repayd gateway in TourCMS, use the legacy gateway name shown in TourCMS (Trust My Travel):

1. Go to “Configuration” → “System & Setup” → “Credit card payments”.

2. Create a new gateway of type “Trust My Travel”. This is the legacy name still displayed in TourCMS; it refers to Repayd.

3. Enter the following details:

username
Enter your Repayd username.

password
Enter your Repayd password.

channel id
Enter your Repayd channel ID.

channel secret
Enter your Repayd channel secret.

site path
Enter your Repayd site path for the account.

You can obtain this information by logging into your Repayd account.

After saving, this gateway will be available as:

• The web gateway for hosted booking engines and tokenized email payments.

• The back-office gateway when processing card payments/refunds for bookings (depending on your TourCMS channel configuration).

3. Integrate Repayd into your own solution

If you want to implement your own website or checkout while still using Repayd and TourCMS:

1. Implement the Repayd modal / checkout

   • Use the Repayd documentation and examples for the modal.

   • Your website will handle the user-facing payment process directly with Repayd.

2. Store the payment in TourCMS using the API

   • Once you have a successful payment (with a PSP reference from Repayd), call the TourCMS “create payment” API and attach the payment to the relevant booking:
     https://www.tourcms.com/support/api/mp/payment_create.php

   • Pass the required details such as:

     • Booking ID

     • Amount

     • Currency

     • Payment PSP reference (for example, Repayd transaction/reference ID)

3. Enable refunds via TourCMS

To enable refunds to be initiated from TourCMS, pass the Trust My Travel reference as follows (this example assumes the TMT infinity gateway is configured in your TourCMS Channel as the web gateway):

<payment_transaction_reference>123456</payment_transaction_reference>

and:

<gateway_mode>web</gateway_mode>
<payment_reference>123456</payment_reference>

• payment_transaction_reference / payment_reference should contain the Repayd reference provided when the payment was authorised.

• This allows TourCMS to send the correct reference back to Repayd if you later perform a refund from the back office.

4. Notes & test details

• There is no concept of “authorization only” transactions with this integration (payments are captured immediately).

• Test card numbers (use any future expiry date, year in 4 digits):

  • Test VISA – Success
    4111111111111111

  • Test VISA – Payment failure
    4012888888881881

• Expiry year must be 4 digits (e.g. 12 / 2030, not 12 / 30).

• Refunds for Trust My Travel payments can be initiated in the TourCMS back office, provided the original TMT reference was stored correctly on the payment.