Travel payments glossary

AISP (Account Information Service Provider)

A regulated provider that can read bank account information with the customer’s consent under PSD2.

Plain-English definition

An Account Information Service Provider is a firm authorised under PSD2 to access a customer’s bank account information on their behalf, with explicit consent and through regulated open banking APIs. AISPs read balances, transactions and account details, but they cannot move money — that is the role of a Payment Initiation Service Provider (PISP). The AISP relationship is what powers account aggregation, affordability checks, accounting integrations and personal finance dashboards.

Why it matters in travel

For travel businesses, AISP capabilities matter because they can confirm a customer’s bank account, verify a balance before taking a large deposit, or pull bank transactions to match against an incoming customer bank payment that arrived without a clear reference. The same capability can streamline supplier and bank reconciliation work that otherwise eats into operational hours.

For a tour operator chasing references on incoming bank transfers, AISP-driven account information turns a manual matching task into a routine automation. The customer’s bank details are verified, the inbound transaction is pulled, and the match against the booking happens without anyone having to inspect a bank statement. The hours saved per month are real.

The travel businesses that use AISP capabilities well integrate them into reconciliation and verification workflows that finance teams actually use. The businesses that have AISP capability but no workflow change behind it pay for the data and never quite realise the value.

How felloh helps

felloh treats AISP-sourced bank information as another input into the booking-level finance picture, helping match arriving bank payments to the booking they belong to without manual reference chasing. Evidence stays attached to the booking so reconciliation, audit and operational queries draw from one source.

The Cashflow and Bank Accounts views in the dashboard read AISP-connected accounts and surface inbound transactions against the bookings they relate to. Where a customer pays by bank transfer without a clear reference, felloh uses AISP data alongside the booking record to make the match automatically and surfaces only the genuine exceptions for human review.

For a finance team that used to spend hours each week matching unreferenced bank inflows, the work disappears into the booking ledger. Refund verification also gets faster because the customer’s bank details are already validated against the underlying account.

Connect the dots.

See how payments, settlement, refunds and reporting evidence connect around every booking.