Travel payments glossary

Gateway fee

A per-transaction or monthly fee charged by a payment gateway for connecting the merchant to processing.

Plain-English definition

A gateway fee is a per-transaction or monthly fee charged by a payment gateway for connecting the merchant to the acquirer and processor. It is separate from interchange, scheme and acquirer fees, and from any value-added services the gateway might charge for (tokenisation, fraud, recurring billing). On low-margin product, the gateway fee can be a meaningful share of total processing cost.

Why it matters in travel

Travel businesses often pay multiple gateway fees across multiple acquirers, currencies and channels. Without a clean view of the total, it is hard to know whether consolidating gateways would actually save cash or simply move complexity.

Gateway fees compound silently. A travel group running three brands across four acquirers might be paying gateway fees five different times, plus per-transaction charges, plus value-added charges for tokenisation and 3DS handling. Without a per-booking effective view, even the people negotiating gateway contracts cannot tell which line is the expensive one.

The teams that get gateway costs right read the per-booking effective rate and use it in renegotiation. The teams that do not focus on the headline rate, fail to spot the bundled extras, and discover at renewal that the cost they thought they were managing has quietly grown.

How felloh helps

felloh surfaces gateway costs alongside acquirer, scheme and interchange fees at the booking level so finance teams can see the full cost stack and act on it.

The Merchant Acquirer view in the dashboard breaks the cost stack down — interchange, scheme, acquirer margin, gateway and per-transaction fees — against every booking. Where felloh is also the gateway, the bundled view collapses entirely, and where it sits behind a third-party gateway the fee is still visible against the booking it relates to.

For travel CFOs deciding whether to consolidate gateways or change provider, the picture is complete. The full cost per booking by brand and channel makes the case before the conversation starts.

Connect the dots.

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