Insurance Solutions for Payment Institutions

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Why Insurance Matters for Payment Institutions

For acquiring banks, PSPs, and card issuers, risk doesn’t end at the point of sale. Merchant insolvencies, settlement defaults, and dispute-driven chargebacks can create sudden financial exposures that undermine stability and restrict growth.

TMU Management provides specialist insurance solutions designed for payment institutions. Our policies protect against the unique risks within the card payment ecosystem, strengthening resilience while enabling institutions to expand portfolios with confidence.

Our Core Solutions

Acquirer Chargeback Insurance

Specialist cover for acquiring banks against chargebacks arising from merchant insolvency, non-delivery of goods or services, and other disputes. Easily embedded into card processing systems and merchant discount rates, this solution reduces exposure and enables continued acquisition across higher-risk verticals with confidence.

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Card Issuing Settlement Cover

Protection for card issuers against settlement default by counterparties in card transactions. This reduces capital exposure, safeguards liquidity, and helps institutions meet card scheme requirements.

Together, these solutions address the critical vulnerabilities faced by payment institutions across the transaction lifecycle.

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Tailored to Your Portfolio

No two payment institutions are the same. Every acquirer, PSP, or card issuer operates with a unique merchant mix, risk appetite, and operational model. That’s why TMU’s solutions are never off-the-shelf. We work closely with your team to design policies that align with your structure, support compliance, and strengthen financial resilience.

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The TMU Advantage

As a regulated MGA, TMU Management combines insurance expertise with specialist knowledge of payment risk. We design solutions that do more than satisfy regulatory scrutiny; they actively enable commercial growth by reducing exposure, improving confidence, and supporting institutions in higher-risk environments.

Get in Touch To Learn How We Can Help Your Payment Institution

If you are an acquiring bank, PSP, or card issuer looking to strengthen resilience, reduce exposure, and support growth, TMU Management can help. Contact our team today to discuss a bespoke solution for your portfolio.

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Our Payment Institution Case Studies

Our clients include acquiring banks, PSPs, and card issuers with diverse portfolios. We’ve enabled institutions to expand into high-growth but higher-risk sectors by embedding insurance at the processing level. We’ve supported card issuers in meeting scheme requirements while reducing the capital burden of settlement default. Each solution is tailored, practical, and built for seamless integration.

Xander Pay

TMU and Xander Pay embed insurance-backed payment protection to secure hotel-agent settlements, improve liquidity and reduce financial risk.

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Travel Ledger

TMU and Travel Ledger embed protected payments insurance into the platform to secure agent-supplier settlements, improve liquidity and enhance trust.

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Travel Counsellors

See how TMU helped Travel Counsellors embed supplier airline failure insurance, safeguarding client funds and boosting trust globally.

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Frequently Asked Questions

Can your solutions be embedded into existing processing models?

Yes. Both Acquirer Chargeback Insurance and Card Issuing Settlement Cover are designed to integrate directly into your processing or settlement flows, enabling simple adoption without disruption.

Do you only work with high-risk sectors?

No. While our solutions are particularly valuable in higher-risk verticals, they are equally effective for diversified portfolios. The aim is to reduce exposure across the board and build resilience.

Are the policies standard or customised?

Every policy is bespoke. We design coverage around your risk profile, merchant mix, and operational needs.

How does this support compliance?

Our solutions help satisfy regulatory and card scheme requirements by demonstrating clear risk-transfer mechanisms, reducing exposure, and supporting financial stability.

Latest News & Insights

Stay informed with the latest updates, industry trends, and expert perspectives from TMU Management. Explore how evolving risks, regulations, and innovations are shaping the future of payment protection.