By Industry: Consumer Fintech
A travel benefit your cardholders
keep coming back for.
ONT embeds curated travel into your card program. Cardholders book at published rates and receive immediate cashback — funded by our direct supply contracts, operated entirely on your rails.
Get in touchHow it works
Published rate. Immediate cashback.
Your cardholder always pays the standard published rate — full rate parity, no exceptions. Our direct supply contracts give us the margin to fund cashback instantly. You control how much of that margin goes to the cardholder.
01
Cardholder books at published rate
Full travel inventory inside your product. Hotels, experiences, car rental, private chauffeur. Consumer pays the standard published rate with their card.
02
ONT processes at direct rate
Our direct contracts with major chains give us rates materially below published. That margin is what makes the cashback possible — without any sub-BAR price ever appearing publicly.
03
Immediate cashback, back on their card
Cashback posts directly to their account. You decide what portion you pass on. The rest is your margin. The cardholder wins. You win. No OTA in the loop.
What you gain
Retention, revenue, and a problem you didn't know we solved.
Retention that compounds
A cardholder who books a hotel through your app doesn't churn. Travel is the category that changes the relationship from transactional to habitual. It's the benefit they talk about.
You control the cashback split
You decide what portion of the margin goes back to the cardholder and what stays with you. Full cashback is competitive positioning. Partial cashback is a new revenue line. Your call.
More transactions. More interchange.
Cashback goes back on the card. Money on the card gets spent. More spend means more transactions, more interchange revenue for you. Travel doesn't just attract users — it reactivates the balance.
Hotels accept the booking
Prepaid cards are routinely rejected at hotel check-in. Because ONT pays the supplier directly, your cardholder's card type is never an issue. We guarantee the booking. They check in.
What your cardholder gets
A travel experience worth talking about.
Curated travel, every vertical
Hotels, experiences, transfers, car rental. Curated direct-contract inventory across the full stack — not a raw aggregator dump. Only what your users actually want.
Better effective price
They pay published rate and get cashback immediately. No discount voucher to manage, no promo code. It just works.
Full service
Something goes wrong at 11pm in Dubai? ONT handles it. Not your customer service team.
Deployment options
Two ways to go live
For platforms with tech teams
Overseas Connects API
Integrate travel directly into your app. Full control over the UX, your cashback logic, your brand. RESTful, real-time, sandbox available today.
Learn moreReady in days
White-label solution
Fully branded travel portal deployed under your product, with no development on your side. We configure, we launch, we operate. Your cardholder sees your brand.
Learn moreSecurity & compliance
Cert. IA-2024-2-8-01 · Renewed June 2026 · Issued by Insight Assurance · Valid through Feb 2027
Why ONT
What makes ONT different
Vetted suppliers
Every property and operator in our network is hand-selected. We stake our reputation on every booking in your product.
Zero intermediaries
Direct contracts. No aggregator layer. Full margin control on every transaction.
Full accountability
When your customer has a problem, we solve it. We don't forward tickets. We own the outcome.
Boots on the ground
Local teams, real knowledge, someone who picks up the phone.
Full travel stack
Hotels, experiences, car rental, private transfers, flights (coming). One relationship, every touchpoint.
27 years of curation
Expertise built serving the world's most demanding clients. Now accessible via API.
Get in touch
A travel benefit that earns its place in your app.
Tell us about your card program and we'll show you how ONT plugs in — cashback mechanics, inventory depth, integration path. Usually one call.