Payments in travel are reconciled by hand more often than anyone admits.

The vCardHub landing page in German, headlined the central hub for virtual travel payments, with three stacked virtual cards carrying airline names and counters for active cards and EU countries
The public face: one hub for virtual travel payments. The cards behind it are issued per booking.

What the product does

A virtual card per booking, per supplier, per cost centre. Instead of one company card paying forty suppliers a month and finance reconstructing afterwards which charge belongs to which trip, every payment carries its reference from the start.

Airlines, tour operators, hotels, car rental. Settled through regulated issuers in Germany, connected to booking tools and ERP systems by API or file transfer.

The positioning problem

Payment products are sold on trust, and trust in this category is claimed identically by everyone: secure, compliant, seamless. Three words that appear on every competitor's page and distinguish nothing.

What actually differentiates a product like this is the boring part: that a charge on a statement can be traced back to a passenger name record without anyone opening a spreadsheet. So that is what the communication leads with, and the compliance language sits underneath where a finance director will look for it rather than at the top where it becomes wallpaper.

Five vCardHub virtual cards fanned out, each issued to a different supplier such as Coral Travel, Radisson Blue and airtuerk Service GmbH, next to the four step process from connecting systems to reconciliation
One card per supplier and booking. This is what keeps a charge traceable to a passenger name record.

What I worked on

Brand and visual system. The site and its structure. And the part that is invisible from the outside: which data fields have to travel with a card for the reconciliation promise to hold, and how they get there from a booking system that was never designed to pass them along.

That last piece is where most payment integrations quietly fail. The card issues fine. The reference field arrives empty, and three months later finance is back to matching by amount and date.