# Travel Rewards API for Fintechs and Neobanks | OnArrival > Travel rewards for card programs and neobanks: flights, hotels, forex and insurance through one SDK, with no travel-domain engineers to hire. See the stack. Source: https://www.onarrival.com/solutions/fintech --- # Add travel to your financial product. Put flights, hotels, currency exchange and insurance inside the app your cardholders already open every day. We bring the supplier connections and run the operations behind them. [Design the travel tab](https://www.onarrival.com/demo) [Model the economics](https://www.onarrival.com/pricing) ## At a glance ### Who it’s for Neobanks, card programs and fintech apps that want to offer travel. ### The problem today Adding travel means signing suppliers, building booking screens and handling every change and refund. ### With OnArrival One integration puts travel booking in your app. We run the supplier operations behind it. [Next step: Design the travel tab](https://www.onarrival.com/demo) ### Key facts - 38 currencies captured and settled - Points-to-travel on any inventory we connect - PCI scope reviewed for your integration ### Terms in plain English SDK A code package your developers add to the app. FX Foreign exchange: converting between currencies. PCI scope The card-security rules for the parts of your system that handle card data. Why fintechs pick us ## Travel product and operations through one integration. 01 Embedded checkout Ready-made booking screens in your brand. Customers never leave the app. 02 Points-to-travel Customers spend rewards on any inventory we connect. You set the earning rules per product. 03 Card-aware payments Pay with the saved card, instant authorisation, and the exchange rate locked at quote. Capabilities ## From in-app search to supplier payment. ### Embed Fits your app and your brand. - React, React Native and Vue - White-label theming - In-app checkout - Multiple languages ### Reward Turn points into trips. - Earn rules per product - Tier-based pricing - Mile and point partners - Promo and voucher engine ### Pay Take payment the way your customers already pay. - Saved-card payments - 3DS / SCA checks - Wallets, UPI and BNPL - Refund netting ### Comply Meet the rules for payments and data. - Helps reduce PCI scope - Sanctions screening - GDPR and data-request ready - Customer-managed keys In the app ## The whole trip, one checkout. The cardholder searches, pays with the card already on file, and earns or spends points without leaving your app. ### Fits into your app Use the integration that suits your app. Any payment checks or provider hand-offs stay inside checkout. ### Pay with the card on file Saved card, 3DS where required, exchange rate locked at quote. ### Earn and spend in one place Points are earned and redeemed on the same booking. Rewards, redeemed ## Turn the points balance into a trip. Let cardholders spend rewards on real flights, stays and experiences, at a rate you set, inside the app they already use to pay. ### Card-aware pricing Tier and product multipliers, exchange rate locked at quote, settlement handled. ### Supplier operations included Supplier connections, after-booking work and disruption handling come with the SDK. The risk boundary ## You add the feature. We run supplier operations. Before launch, decide who is merchant of record in each market: your business, or OnArrival where that setup is offered. Your agreement also sets payment scope and regional disclosures. ### Confirm your PCI scope Saved-card (tokenised) payments can reduce exposure to raw card data. Your integration still needs the PCI assessment that fits its payment flow. ### Merchant and agent of record Your business or OnArrival can be merchant of record. The commercial agreement sets who handles ticketing and seller duties in each launch market. ### FX and settlement handled Settlement links to the booking. Where offered, the quote shows the locked exchange rate and how long it holds. ### Disclosures per region Travel and insurance terms for each market appear automatically. Time to launch ## From first test to first booking. Start with test inventory once sandbox access is approved. Then match your brand, connect rewards and finish the production checks for your launch. 1. Install Add the SDK Install the SDK and use your approved sandbox key to try test inventory. 2. Theme Match your app Your colours, fonts, corner radius and currency apply to every screen automatically. 3. Wire rewards Connect your points Link your rewards balance to the redemption API and set earn-and-spend rules. 4. Ship Go live Launch to a small group first, then roll out. Every event goes to your data warehouse. In production ## Built for card programs. Get started Put the first booking on your roadmap. [Request sandbox access](https://www.onarrival.com/signup) [Scope the launch](https://docs.onarrival.com/) Related ## Pairs well with Most of our customers use two or three of these together. [Travel sellers Run search, book, ticket and refund on one modern platform.](https://www.onarrival.com/solutions/travel-sellers) [Loyalty redemption Let members redeem points against any inventory we connect.](https://www.onarrival.com/solutions/loyalty) [Embedded travel Bring the full travel stack into the product you already ship.](https://www.onarrival.com/solutions/embedded)