From Chaos to Connectivity: A Day in the Life of NEXY Travel

Meet NEXY Travel, a mid-sized online travel agency that processes thousands of bookings each month. Like many online travel agencies (OTAs), NEXY spent years wrestling with a fragmented payment ecosystem—one vendor for accepting customer payments, another for issuing supplier payments, separate systems for fraud prevention and reconciliation, and a finance team buried in spreadsheets.

Then NEXY made a single change: they consolidated everything onto ConnexPay's unified PayIn-PayOut platform. Here's what a typical day looks like now.

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I. The Morning Rush: Turning Sales into Instant Liquid Capital

8:00 AM — The Booking Surge

As customers across time zones wake up and finalize their travel plans, NEXY's booking engine hums with activity. Credit card payments flow in for flights to Paris, resort packages in Cancun, and last-minute weekend getaways. The PayIn side of ConnexPay processes these transactions seamlessly—credit cards, debit cards, and digital wallets all through a single integration.

The ConnexPay Advantage: In the old days, NEXY would watch those funds sit in limbo for two to seven days, waiting for settlement. During peak booking seasons, this meant hundreds of thousands of dollars were inaccessible—money they needed to pay suppliers, but couldn't touch.

Now, ConnexPay's Sales Allowance feature makes those funds available in real-time. The moment a customer payment is authorized, that capital becomes liquid. NEXY no longer operates as their clients' bank, floating payments while waiting for funds to clear.

Quantifiable Impact: NEXY has reduced its Days Sales Outstanding (DSO) from 14+ days to just 1-3 days. That improvement freed up over $200,000 in working capital—capital they now use to grow without seeking additional financing.

II. Mid-Day Operations: Securing Inventory with Confidence

11:00 AM — Paying Global Suppliers

NEXY needs to pay a boutique hotel in Paris and secure a booking on a low-cost European airline for an upcoming family vacation.

The ConnexPay Advantage: ConnexPay issues single-use virtual cards (VCNs) from the same platform where they accept the customer's payment, with intelligent technology selecting the optimal card type for each supplier.

For different supplier types, ConnexPay automatically optimizes the payment:

• For the boutique hotel: ConnexPay's Intelligent PayOuts (IPO) automatically selects the virtual card that maximizes interchange rebates while ensuring supplier acceptance—using machine learning to pick the optimal card from over 70 available BINs without any manual intervention.
• For the low-cost airline: NEXY uses UATP virtual cards, which airlines accept at interchange rates of 165-197 basis points compared to approximately 265 basis points for standard virtual cards. Lower interchange costs make airlines willing to accept UATP—giving NEXY reliable access to 400+ airlines worldwide, including low-cost carriers like RyanAir and EasyJet that typically decline standard virtual cards entirely.

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Strategic Use: NEXY uses UATP cards specifically for airlines with acceptance challenges—primarily low-cost carriers and airlines that decline standard virtual cards. For major legacy airlines that accept Visa and Mastercard, NEXY relies on ConnexPay's Intelligent PayOuts to maximize interchange rebates. The right card for the right airline, automatically.

Risk Mitigation: Every card issued is restricted by granular spend controls, meaning the card is only valid for that specific transaction and amount, virtually eliminating fraud exposure.

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III. Afternoon Challenges: Handling the Unpredictable

2:00 PM — The Stranded Traveler

The call comes in that every travel agency dreads. A flight cancellation has left a NEXY customer stranded at an airport in a foreign country. She needs an immediate meal voucher, taxi fare to a nearby hotel, and possibly funds for a last-minute rebooking. She's stressed, her phone is almost dead, and the airline's customer service line has her on hold.

The ConnexPay Advantage: In the old world, NEXY would face an impossible choice: ask the traveler to pay out-of-pocket and wait weeks for reimbursement (creating a terrible customer experience), or scramble to read a credit card number over a sketchy phone connection (creating security risks and operational headaches).

Now, NEXY's customer service rep uses ConnexPay's Push to Card technology. Within seconds—not hours, not days—emergency funds are pushed directly to the traveler's mobile wallet. She can pay for her meal, catch a taxi, and check into a hotel while NEXY's team works on rebooking her flight.

The Hero Moment: That stranded traveler doesn't just get home safely—she becomes a NEXY customer for life. Crisis moments like these, handled with instant disbursement capability, transform operational challenges into loyalty-building opportunities.

IV. The Finance Wrap-Up: Reconciliation in Record Time

4:00 PM — Closing the Books

In the old world, NEXY's finance team would spend days manually matching bank statements to GDS bookings, cross-referencing merchant reports, hunting down discrepancies between what the processor said and what the issuer reported. The merchant processor might show $2.4 million, the issuer $2.1 million, the bank $2.3 million—all correct–  but measuring different things at different times. Reconciliation felt like forensic accounting.

The ConnexPay Advantage: Because the platform connects the PayIn and PayOut with a single Order ID, every customer payment is automatically linked to its corresponding supplier payment. There's one source of truth, one transaction record, one version of events. Reconciliation happens automatically, down to the penny.

Quantifiable Impact: The daily reconciliation process that used to take 3 days now takes just 3 hours. NEXY's finance team has reclaimed over 90% of their reconciliation time—time now redirected to margin analysis, growth planning, and strategic financial work instead of spreadsheet archaeology.

V. Evening Review: From Cost Center to Revenue Generator

5:30 PM — Margin Analysis

NEXY's CEO reviews the day's financial performance. What she sees would have been unimaginable a year ago.

The ConnexPay Advantage: NEXY isn't just paying lower merchant fees—they've dropped from 7-8% down to under 3%. But the real transformation goes deeper: NEXY is actually earning interchange rebates on every virtual card payment they make to suppliers.

Every hotel payment, every airline ticket, every car rental—each virtual card transaction generates a rebate that flows back to NEXY's bottom line. Payment operations have transformed from a cost center into a profit center.

The Transformation at a Glance:

• Days Sales Outstanding: 14+ days → 1-3 days
• Merchant Fees: 7-8% → Under 3%‍
• Reconciliation Time: 3 days → 3 hours‍
• Payment Vendors: 7+vendors → 1 unified platform
• Revenue from Payments: $0 (pure cost center) → Rebate revenue on every PayOut

The Future is Unified

NEXY Travel is no longer managing a fragmented plumbing of seven-plus vendors. Their development team stopped spending 40% of backend engineering resources maintaining payment integrations and started building customer-facing features. When support issues arise, there's one call to make, one team who owns the answer—no more “that's not our system” runaround between vendors who blame each other.

By connecting PayIns and PayOuts through ConnexPay's unified platform, NEXY has transformed payment operations from an operational burden into a strategic advantage—creating new revenue while reducing costs and improving customer service.

What Could Your Day Look Like?

Don't let disjointed payments be your bottleneck. Schedule a Business Configuration Discussion to see what unified payments could mean for your travel agency.

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